Barclays Mortgages is improving its income multiple criteria to help customers with smaller deposits.
The four-times multiple limit on mortgages with a loan-to-value (LTV) of between 85 per cent and 90 per cent has been removed for clients earning up to £50,000.
Instead, all customers in this LTV range will now have access to a 4.49-times income multiple.
A spokesman for Barclays said: "This positive change will help more of our customers with smaller deposits get on, or move up, the property ladder. This improvement supports our recent policy changes where we increased our maximum LTV on new build houses and shared ownership cases."
The multiples apply for its specialist schemes. This means that for the Family Springboard scheme, a maximum multiple of 5.5-times applies for incomes above £50,000.
For the Premier and Wealth clients, a maximum multiple of 5.5-times applies for repayment loans where at least one applicant earns a basic income of £75,000 or more. It will stand at £100,000 for joint applications where neither applicant earns £75,000.
The news was welcomed by Daniel Hodges, mortgage adviser at Suffolk-based Just Mortgage Brokers.
He said: "Barclays decision to review and change its maximum income multiple for those whose income is up to £50000 from the current 4-times to 4.49-times for the higher LTV brackets is pleasing to see.
"With affordability being one of the biggest barriers for many looking to obtain a mortgage, any improvements in this area from a lender can only be seen as a positive move and especially as this change is aimed at the lower income earners that still have the same needs as those on the higher incomes in regard to loan to income ratios."