Why Brokers Love Our Flexible Criteria

When it comes to Interest Only lending, simplicity and flexibility matter. That’s exactly what we offer.

At Hanley Intermediaries, we’ve built an Interest Only proposition designed to help brokers place more cases with confidence — especially those that don’t quite fit the mould elsewhere.

Here’s what sets our criteria apart:

✔ Sale & Downsize Accepted

A straightforward, practical repayment strategy that gives clients more flexibility.

✔ Flexible Minimum Equity Options

Because not every borrower’s situation is the same — and we won’t treat them like it is.

✔ Capital Raising? It’s All About the Story

We take a common‑sense, case‑by‑case view. If the purpose is clear, we’ll listen.

✔ Earned Income Considered to Age 75

Supporting clients who want or need to work longer.

✔ Passive Directors’ Income Considered Beyond 75

For clients with income streams that continue later in life.

✔ Pension & Investment Income Accepted

Ideal for borrowers with diversified financial profiles.

✔ Affordability Assessed on Interest Only

Not capital repayments — giving clients more borrowing freedom.

✔ No LTI Cap

A flexible approach for higher‑earning or complex-income clients.

✔ Loans Over £2m on a Case‑by‑Case Basis

For large loan scenarios that need a bespoke view.

Our approach is simple: real flexibility, common‑sense underwriting, and support that helps brokers say “yes” to more of the cases that matter.

If you have a case to discuss, speak with our Intermediary Team on 01782 255000 or email intermediaries@thehanley.co.uk — we’re here to help.