New lower rates on our most popular products.
What's New
New lower rates on our most popular products
Star product: 5-year fixed Tier 2 adverse
Our new 5-year fixed rate on Tier 2 products is now one of the most competitively priced in the market – offering great value for customers with minor credit blips.
- 5-year fixed rates from 4.74%
- 2-year fixed rates from 4.89%
- 3-year fixed rates from 4.99%
- All £0 fee products now come with a refund of valuation fees and £300 cashback
What's New
Reduced rates, expanded LTV options and new limited editions
- Rates down on all buy to let products
- Rates on limited editions for non-portfolio landlords now from 3.59% on 2-year fixed
- Rates from 4.14% on 2-year fixed non-HMO (single dwelling properties)
- New limited edition LTV ranges - 65% and 75% LTV for loans £125,000-£325,000
What's New
Refurbishment buy to let range
- Standard rates from 5.64%
- EPC C+ refurbishment rates from 5.44%
What's New
New simpler range with updated rates
- Tier 1 and Tier 2 products combined into a single refurbishment range
- Lower rates for heavier refurb deals based on the current value of the property
- Rates from 0.65%pm
- No ERC and min 1 month interest
- No max loan amount
What's New
We’ve slashed our product transfers by up to 0.35% with rates now from just 4.24%
- Buy to let rates from 4.24% (reduced by 0.10%)
- Residential rates from 6.04% (reduced by up to 0.35%)
- Variety of product fee options: £0, 1% and 3%
- Products for limited companies, personal ownership and HMOs
Residential
Highlights and Features
- 5-year fixed rates from 4.74%
- 2-year fixed rates from 4.89%
- 3-year fixed rates from 4.99%
- All £0 fee products now come with a refund of valuation fees and £300 cashback
- Available up to 95% LTV (97% when fees are added)
- Adverse accepted
- Home movers
- Remortgages
- New build purchases
- First-time buyers
- Customers looking for an alternative to high street lenders
- Customers with adverse credit history
- Self-employed customers with only 1 year’s accounts
Help to Buy
Highlights and Features
- Rates from 6.79%
- Up to 75% LTV
- Historic CCJs, defaults, DMPS and mortgage and secured loan arrears accepted
- Loans from £25,001 to £750,000
- Help to Buy purchase (Wales) and Help to Buy remortgage accepted
- Customers buying new build properties
- Existing Help to Buy customers looking to remortgage
- We accept new purchase applications on the Help to Buy Wales scheme
- We accept remortgage applications on the Help to Buy England, Help to Buy Wales and Help to Buy Scotland schemes
Right to Buy
Highlights and Features
- Rates from 6.79%
- Up to 100% discounted purchase price
- Historic CCJs, defaults, DMPS and mortgage and secured loan arrears accepted
- Loans from £25,001 to £750,000
- Customers buying their social housing property
- Purchase only
- Houses only
- England only
