The comment follows criticism from specialist packager Complete FS which said insisting on a minimum income level outside the rent generated from the property no longer made sense as property prices and rents increased.
But Heron said the Paragon Group would continue to use the £25,000 minimum income.
He said: “We have maintained that profile for a long time and the proof of the pudding is the eating.
“We have one of the very best credit profiles of any buy-to-let lenders in the market, if not the very best quite frankly.”
Earlier this week Mortgage Trust launched an 80% loan-to-value range which is its highest LTV offering since it withdrew from the market following the financial crisis when it offered 85% deals.
Since its re-emergence in 2010 its highest LTV has been 75%.
Heron said in order for the Paragon Group of lenders to be able to offer 80% LTV products it needed the funding markets to be “stable and supportive”.
And due to its steady and cautious return to lending it has gained the support it requires.
The 80% Mortgage Trust range is being released on a limited quota basis so the quality of the business can be controlled.
Heron said for each release of products there will be a pre-agreed number of million pounds of applications set aside.
When this is reached the quality of that business will be reviewed to make sure it has the correct account profile before setting the limit for the next quota.
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