If your client’s birthday falls within the next 6 weeks they can benefit from the ‘use age next birthday’ option where we’ll base LTVs and borrowing thresholds on their age at the next birthday. In the case of joint borrowers, the ‘age next birthday’ option applies to the youngest borrower only. The ‘use age next birthday’ option will be automatically selected by default, but it’s worth noting that the loan can’t complete until your client reaches their birthday. If you need the loan to complete as quickly as possible, then you may prefer to de-select this option.