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.
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Article details are correct as of 10 October 2023.
After another record-breaking year, we’re thrilled to have announced the winners of our Partner Recognition Awards 2021.
The awards celebrate the value of working together with intermediaries and are one way of recognising those who go the extra mile to deliver the best possible results for their clients.
Congratulations to all of our winners and highly commended partners, you have all been sent a fantastic prize: