Sesame calls for 90% minimum LTVs

clock

Sesame is calling for lenders to resume normal risk-based lending and to increase loan to values (LTVs) to a minimum of 90%.

John Cupis, managing director of mortgages and general insurance at Sesame, says first time buyers hold the key to building the momentum behind a sustainable recovery. However, he believes this will never happen if lenders do not step up to the plate and start lending at higher LTVs. He says: "Now is the time to resume normal risk-based lending and to move back to the core competency of assessing risk and demonstrating underwriting skills. "Government-owned banks have recently made some effort to lend at higher loan to values, but what is really needed is a widespread commitment by...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Your profession

CII: Vulnerable client management is 'an opportunity for growth'

CII: Vulnerable client management is 'an opportunity for growth'

Firms can expand potential client bases

Isabel Baxter
clock 07 April 2026 • 2 min read
Common language used by advisers triggers anxiety and distrust among retirees

Common language used by advisers triggers anxiety and distrust among retirees

Product-led communication one of the biggest drivers of mistrust

Laura Purkess
clock 01 April 2026 • 1 min read
Advisers: Are you even taking your own advice?

Advisers: Are you even taking your own advice?

Exploring the expenditure consolidation conversation

Nick Ryan
clock 25 March 2026 • 4 min read