We’ve reduced fixed rates by up to 0.35%

Great news!

We’ve just reduced fixed rates across our range of mortgage solutions by up to 0.35%. Two year fixed rates have decreased by 0.35% whilst three and five year fixed rates are now 0.20% and 0.10% lower respectively.

Residential rates start at 5.84% for tier one cases, including JBSP, self-employed, second homes and simple annexes.  

Simplified buy to let solutions

We’ve simplified our buy to let range, introducing tiered pricing and a standard product fee of 0.65%. We’ve also made top-slicing, lending into retirement and annexes available as standard under tier one, with tier two and tier three options available for more challenging scenarios. Our buy to let range has no minimum ICR, instead affordability is assessed by taking personal and rental income into account. 

You can find the latest rates in our product guide.

Affordability options from a specialist lender

We take a different approach to lending.

We look beyond income calculations and consider overall affordability to find ways to say yes to your clients’ simple and more complex cases. Our daily credit committee assess each case individually to make a swift decision that you can rely on.  

Check out our top eight solutions to help you and your clients overcome the challenge of affordability here.

Get in touch

If you’d like to discuss more, please contact one of our Specialist Business Development Managers on 01858 412345.

Article details are correct as of 10 October 2023.