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

Advisers warned against 'tick-box' cashflow modelling

Advisers warned against 'tick-box' cashflow modelling

Cashflow modelling ‘only as good as the information you put in’

Sahar Nazir
clock 06 November 2025 • 5 min read
Azets Wealth expands in South West with Evans Falco acquisition

Azets Wealth expands in South West with Evans Falco acquisition

Evans Falco will join Azets’ operations later this year

Sahar Nazir
clock 06 November 2025 • 1 min read
SJP firm Twelve Wealth Management acquires fellow partner practice

SJP firm Twelve Wealth Management acquires fellow partner practice

Managing director Matt Smith joins the firm

Isabel Baxter
clock 05 November 2025 • 1 min read