VM Exclusives Product Reductions

We have some reductions with our exclusives tonight (21/10/2024).

90% LTV Purchase Fix and Switch fee-saver with Free Valuation and £250 Cashback, unchanged at 5.19%

NEW 75% LTV Remortgage 5 Year Fixed Rate with £1,495 fee, at 3.94%.

WITHDRAW 75% LTV Remortgage 2 Year Fixed Rate with £895 fee, at 4.24%.

WITHDRAW 75% LTV Remortgage 5 Year Fixed Rate with £895 fee, at 3.94%.

75% LTV Remortgage fee-saver will be increased by 0.09%, to 4.64%.

90% LTV Purchase 2 Year with £995 fee and free valuation, unchanged at 4.85%

90% LTV Purchase 5 Year with £995 fee and free valuation, unchanged at 4.43%

90% LTV Purchase 2 Year fee-saver with a free valuation, unchanged at 5.10%

90% LTV Purchase 5 Year fee-saver with a free valuation, unchanged at 4.56%

New Limited Edition – buy to let rates

With effect from Tuesday 22^nd October, we’ll be making a number of changes across our residential and Buy to Let (BTL) mortgage product ranges.

Summary of changes:

Existing residential customer switching / borrowing more – 2 Year Fixed Standard at 80% and 85% LTV decreasing

Residential First Time Buyer / Home mover – 5 Year Fixed Premier Exclusive at 60%, 70% and 75% LTV increasing, 2 Year Fixed Fee Saver at 60% LTV increasing, 2 Year Fixed Standard at 60% LTV increasing, 2 Year Fixed Standard at 80% and 85% LTV decreasing, 2 Year Fixed High Value Mortgages at 60% LTV increasing, 5 Year Fixed Fee Saver at 60%, 70% and 75% LTV increasing, 5 Year Fixed Standard at 60%, 70% and 75% LTV increasing, 5 Year Fixed High Value Mortgages at 60%, 70% and 75% LTV increasing.

Residential First Time Buyer / Home mover Energy Efficient Home (A & B EPC Rated Properties) – 2 Year Fixed Fee Saver at 60% LTV increasing, 2 Year Fixed Standard at 60% LTV increasing, 2 Year Fixed Standard at 80% and 85% LTV decreasing, 5 Year Fixed Fee Saver at 60%, 70% and 75% LTV increasing, 5 Year Fixed Standard at 60%, 70% and 75% LTV increasing.

Residential Remortgage – 5 Year Fixed Premier Exclusive at 90% LTV decreasing, 2 Year Fixed Fee Saver at 60% LTV increasing, 2 Year Fixed Fee Saver at 85% and 90% LTV decreasing, 2 Year Fixed Standard at 60% LTV increasing, 2 Year Fixed Standard at 80%, 85% and 90% LTV decreasing, 2 Year Fixed High Value Mortgages at 60% LTV increasing, 5 Year Fixed Fee Saver at 60%, 70% and 75% LTV increasing, 5 Year Fixed Fee Saver at 90% LTV decreasing, 5 Year Fixed Standard at 60%, 70% and 75% LTV increasing, 5 Year Fixed Standard at 90% LTV decreasing, 5 Year Fixed High Value Mortgages at 60%, 70%, and 75% LTV increasing, 5 Year Fixed Premier Exclusive at 60%, 70%, 75% LTV increasing.

Residential Remortgage Energy Efficient Home (A & B EPC Rated Properties) – 2 Year Fixed Fee Saver at 60% LTV increasing, 2 Year Fixed Fee Saver at 85% and 90% LTV decreasing, 2 Year Fixed Standard at 60% LTV increasing, 2 Year Fixed Standard at 80%, 85% and 90% LTV decreasing, 5 Year Fixed Fee Saver at 60%, 70% and 75% LTV increasing, 5 Year Fixed Fee Saver at 90% LTV decreasing, 5 Year Fixed Standard at 60%, 70% and 75% LTV increasing, 5 Year Fixed Standard at 90% LTV decreasing.

Residential Remortgage Cashback – 2 Year Fixed Fee Saver at 60% LTV increasing, 2 Year Fixed Fee Saver at 85% and 90% LTV decreasing, 2 Year Fixed Standard at 60% LTV increasing, 2 Year Fixed Standard at 80%, 85% and 90% LTV decreasing, 5 Year Fixed Fee Saver at 60%, 70% and 75% LTV increasing, 5 Year Fixed Fee Saver at 90% LTV decreasing, 5 Year Fixed Standard at 60%, 70% and 75% LTV increasing, 5 Year Fixed Standard at 90% LTV decreasing.

BTL Remortgage – 2 Year Fixed £3999 Standard at 60%, 65% and 75% LTV decreasing, 2 Year Fixed Fee Saver at 60%, 65% and 75% LTV decreasing, 2 Year Fixed £1999 Standard at 60%, 65% and 75% LTV decreasing.

Further information –

• The product finder tool and sourcing systems will be updated for Tuesday 22^nd October.
• Use our ‘Chat with us’ service to request a rate change on an existing mortgage application. Please note, due to increasing demand, wait times may be longer than usual. 
• To secure existing product codes, please submit applications in full by midnight, Monday 21^st October.
• All evidential and supporting documentation must be provided within 30 calendar days of submission.

Our latest mortgage product update

We’re making some changes to our new lending mortgage range. These changes affect new mortgage applications only.

Key Product Updates – Selected Residential products priced up or withdrawn. See our latest updates

Products will be withdrawn from the system at midnight on Monday 21 October 2024 – see our latest updates for details. You’ll be able to apply for any new products from the stated launch date.

New Limited Edition – buy to let rates

Click here

BTL Refresh: 23 Oct 2024

As of the morning of the 23^rd October 2024, Foundation Home Loans will refresh some of its BTL product range which includes updated rates/fees and withdrawals.

Update

By Tom Denman-Molloy, Intermediary Sales Manager, Mansfield Building Society

After almost a year since its last rise, the Bank of England Base Rate finally decreased from its recent high of 5.25% to 5.00% in August 2024. According to forecasters, another base rate cut could be on the horizon by the end of the year. While inflation has not yet reached the 2% target, it seems to be stabilising just above that level. However, there is still a long way to go, and there’s no denying that it has been a tough few years for the UK economy, the effects of which have hit borrowers hard. Affordability has been a key challenge for many, with higher interest rates restricting the purchasing power of would-be homeowners and limiting the options available to those looking to remortgage. According to figures from the recent Building Societies Association Property Tracker report, 68% of respondents cited the cost of monthly mortgage payments as the main barrier to buying a home. Similarly, rising living costs continue to stretch household finances, leaving many households hoping for some relief in their mortgage payments.

Responding swiftly to support borrowers – As a lender committed to supporting homebuyers and property investors with unique circumstances, affordability challenges can be particularly acute when product availability is limited. While competition in the market can place a healthy focus on the initial rate and monthly repayments, it can also distract from the overall cost of borrowing. Shortly after the Bank of England Base Rate reduction, Mansfield followed suit and reduced both our Standard Variable Rate (SVR) and follow-on rate, the latter being used to stress test affordability on prime residential, Versatility, and Shared Ownership mortgages. Our recent SVR reduction, along with linked follow-on and discounted rates, was accompanied by a reduction in our fixed-rate products. Together, these measures help provide prospective borrowers with the affordability boost needed to more comfortably meet our borrowing criteria and reduce the pressure of monthly repayments, whether choosing a fixed or variable product.

Improving access to flexible lending – Improving affordability is especially important in the current economic climate, where some borrowers may have previously failed affordability stress tests due to rising interest rates. In some cases, these borrowers may have struggled to secure the funding needed to purchase a property. Others may have found it difficult to remortgage onto a more suitable deal, particularly if they were seeking to raise funds or consolidate debts. Individual underwriting enables lenders to better understand the varied circumstances of borrowers, including those who may have experienced a credit blip, allowing them to secure the financing needed to get back on track. As the Base Rate begins to stabilise, and hopefully reduce further, lenders must maintain a strong focus on whether they can help ease the burden on borrowers. After a prolonged period of instability and rising rates, lending accessibility is about more than just reducing the initial rate. It requires reviewing the overall cost of the mortgage and, critically, focusing on the type of lending being offered.

A common sense approach– If you’ve got a case on your desk that requires a common sense approach to lending then please pick up the phone to our Broker Support team on 01623 676360 or visit https://www.mansfieldbs.co.uk/intermediaries/. 

Rate Change – Embargoed until midnight tonight

We are increasing rates by 30, 20 and 10 bps across some of our products.

These products will be updated in our platforms tomorrow morning (19th of October). There are few cases affected, and the relevant brokers will be contacted to get the cases submitted (accepted by client & fee paid) to ensure they secure the rate. As it is a Friday the brokers have until Tuesday midnight to secure. The affected products are highlighted in yellow in column A. The guides will be live on the website tomorrow morning.

Complex ownership structure?

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Product News: Product Launch 18.10.2024

On Friday 18^th October we will be reducing selected rates across our 5 year fixed rate Purchase, Remortgage, Shared Ownership and New Build Ranges. We will also be extending end dates to March across these products.

All products listed revert to WBBS SVR (currently 6.59% variable) for the term. Customers may benefit from a lower reversionary variable rate dependent upon their respective Loan to Value (LTV).

Withdrawn Products

The following products will be withdrawn from COB Thursday 17^th October:

New product launch

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Product Withdrawal Notification

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Lower Rates on our 85% LTV Refurb Bridge

This Autumn, we’ve reduced the rate on our 85% LTV Refurbishment Bridging product – now just 0.98%, providing a net LTV of 74%. What does this mean for your Landlord customers?

• Lower cost of borrowing means cheaper financing for new purchases.
• Ideal for HMO investors looking to secure and convert properties quickly.
• Clients can secure their exit with us at the same time with a range of Buy-to-let options.

With our fast funding and seamless process, your customers can take advantage of this lower rate to secure their next investment. Take advantage of our bridging loans for your clients’ HMO investments. Whether you’re purchasing and refurbishing an HMO or refinancing, we’ve got the solution. Plus, with our bridging loans, transitioning to a long-term Buy-to-Let product is effortless once your project is complete.

Product features: 74% Net LTV on day 1, Use the GDV value when exiting onto our Buy-to-Let, Rolled interest up to 85% gross, Minimum loan £100k, No monitoring on the works, First-time investors, Lend off open market value and All done in the Mortgages Portal. Get started

Halifax Intermediaries product launch 18.10.2024

On Friday 18 October we are making the following changes to our product range;

Remortgage – Rate increases on 2 and 5 year fixed rate products of between 0.11% and 0.24%.

Product transfer and further advance – Rate increases on selected products

Further information – The product search tool on the Halifax Intermediaries Website, Halifax Intermediaries Online and sourcing systems will be updated by Friday 18 October. To secure existing product codes, please submit applications in full by 8pm on Thursday 17 October.

Important Barclays product news

From tomorrow, Friday 18 October, we are changing rates on a selection of products across our Purchase and Remortgage ranges. Please see the rate overview guide for information of all our product changes. You can access the full range of Barclays mortgage products, effective from tomorrow, within our updatedIntermediary and Reward rate sheets.

Product withdrawal timings – Please be advised that upon withdrawal, the products will be removed from the dropdown options within our application services. For new lending, an application needs to have been started and the product selected from the dropdown, on or before the date of withdrawal (Thursday 17 October) and must be submitted prior to the last application date (Saturday 26 October). For product transfers, the product must be selected and application submitted on or before Friday 18 October.

Welcome to Hinckley & Rugby for Intermediaries

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Our latest mortgage product update

We’re making some changes to our new lending mortgage range. These changes affect new mortgage applications only.

Key Product Updates – 3 Residential products withdrawn. See our latest updates

Products will be withdrawn from the system at midnight Thursday 17 October – see our latest updates for details. You’ll be able to apply for any new products from the stated launch date.

Help your clients jump into a new home

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We’re making changes to our Residential and BTL New Business, and Residential Product Transfer and Additional Loans product ranges

We appreciate the market is volatile at present, and whilst not always possible, we will endeavour to give you at least 24 hours’ notice of any upcoming changes.

On Friday 18 October, we’re making changes to our Residential and BTL New Business, and Residential Product Transfer and Additional Loans product ranges. The current ranges will be withdrawn at 10pm on Thursday 17 October (8pm for Residential Product Transfer and Additional Loans) and the new ranges will be available at 8am Friday 18 October. What’s changing?

Residential New Business changes

90% LTV products increased by up to 0.15%

75% LTV products increased by 0.28%

80% and 85% LTV products increased by 0.22%

No changes to residential 95% LTV products, £5k Deposit and tracker products. Click here to visit our Residential New Business product finder.

Buy to Let New Business changes

65% and 75% LTV products increased by up to 0.30%

60% and 80% LTV products increased by up to 0.20%

Click here to visit our BTL New Business product finder.

Residential Product Transfer and Additional Loans changes

Fixed rates are increasing:

• 65% LTV products increasing by up to 0.40%
• 75%, 80% and 85% LTV products increasing by up to 0.30%
• 90% LTV products increasing by up to 0.20%
• 95% LTV products increasing by up to 0.30%
• 100% and 100%+ LTV products increasing by up to 0.10%

No change to BBR trackers or end dates.

Click here to visit our Residential Existing Borrower product finder.

Hodge rebrands 50+ Mortgage range to Resi Retire

Hodge has rebranded its 50+ mortgage range to Resi Retire and removing the requirement for borrowers to be aged over 50 to access them. This change reflects Hodge’s commitment to making lending more inclusive and aligned with customer aspirations rather than age.

As part of the Resi Retire range, a two-year fixed rate at 85% loan-to-value (LTV) is now available at 6.35%, with a £995 product fee. Additionally, a two-year fixed rate at 60% LTV has been introduced, offering a rate of 5.68%, also with a £995 product fee.

This rebrand follows the earlier launch of Hodge Resi, which expanded access to professional mortgage products for individuals aged 21 and over with complex income streams.

Alongside the rebrand, Hodge is reducing selected rates and introducing higher-fee, lower-rate products. For example, the two-year fixed rate at 75% LTV with a £995 fee has been reduced from 6.15% to 5.79%, and the five-year fixed rate at 75% LTV has been reduced from 5.75% to 5.59%.

Emma Graham, business development director commented: “As always at Hodge, it’s key that we are constantly listening to and working closely with our intermediary partners to ensure we are developing products and making changes that really make a difference to the end customer.

“Our new Hodge Resi and Hodge Resi Retire products represent a big change for us here at Hodge. We have fundamentally repositioned our propositions to define our customers based on their goals and aspirations rather than their age, which is historically where the later life lending market has been. We have challenged ourselves and asked why products that cater for customers lending into their retirement stipulate a minimum age of 50.

“We are excited to see how the Resi Retire products will be welcomed by the market and are looking to chat brokers, IFAs and networks about how they can help customers get the outcomes they need from their mortgages.”

For more information on Hodge Resi and Resi Retire products, or to explore how they can help meet your mortgage needs, please get in touch with our team today. 

Residential range withdrawals.

We’re withdrawing the following residential ranges:

Limited edition (Tier 0-5)

5-year fixed 70% LTV (Tier 0-5)

Want to secure a rate from our current range?

You must fully submit applications by 5pm today Wednesday 16 October. Current range deadline 16 OCT, New range 17 OCT.

Arriving tomorrow – New £0 upfront products

Questions? Call your BDM, contact 0800 116 4385 or use Chat.

Weekly content

Economic Update – October 2024

We’ve teamed up with 4most Economic Consultants to provide you with a monthly economic update. The update for October is now available to download.

The update covers:

• Inflation and interest rates
• Labour market
• Housing market
• Rental market
• Mortgage market activity
• Rate analysis

Read the update:  https://www.themortgagelender.com/media/siddyt3y/october-2024-society-economic-update.pdf?utm_source=Weekly+update&utm_medium=email&utm_campaign=Economic+update&utm_content=October

HSBC UK’s economy webinars – please join us

Want to know more about the current economic climate?

We’re excited to be bringing you another detailed update on the current mortgage market.

Join Tracie Burton, Senior Corporate Account Manager, and our Group Economist for their latest views on the global and UK economy, along with their reflections on the Autumn budget and US presidential election.

To register for one of the webinars, please click on your preferred option below and enter your details.

Once confirmed, please save the invitation to your calendar.

All webinars will last approximately 60 minutes.

Any questions?

There will be a Q&A session at the end of the presentation, however If you would like to submit a question beforehand, please email intermediary.marketing@hsbc.com and we will endeavour to answer these on the webinar.

We look forward to seeing you.

Good news, we’ve reduced our BTL ICR rates improving your clients affordability

What’s changed?

Interest Coverage Ratio Rates (ICR Rates) reductions

For a Purchase or Remortgage with capital raising:

Product term >= 5 years – 4.75% (previously 5.5%) or product rate +1% (whichever is higher)

Product term < 5 years – 5.5% (previously 6.5%) or product rate +2% (whichever is higher)

For straight switch Remortgage applications:

Product term >= 5 years – 4.75% (previously 5.5%) or product rate +1% (whichever is higher)

Product term < 5 years – 5.5% (previously 6.0%) or product rate +1% (whichever is higher)

We recommend you continue to use the rental calculator on the Accord website to determine the maximum borrowing based on our available products before you submit a DIP.

Introducing Hodge Resi Retire!

From today we’re rebranding our 50+ range into a new proposition called ‘Hodge Resi Retire’. Removing the need for customers to be aged over 50 to access them. Our ‘Hodge Resi Retire’ proposition will provide further flexibility to our products that aim to maximise affordability from aged 21 up to and into retirement, now determined by the customer’s goals rather than their age.

To sit alongside our newly rebranded propositions, Hodge
Resi and Hodge Resi Retire. We’ve added a host of 60% LTV products, supporting the ever-changing needs of customers up to and into retirement.

Lastly, we’ve also reduced rates on our 75% LTV products for our Hodge Resi range. Check our new rates here!

Our HMO/MUB products are changing

Our residential products support those with active and satisfied DMPs, CCJs, defaults and secured/unsecured arrears. So, if you’re not sure which adverse tier your customer falls into, just DIP it, to get an instant decision.

SCENARIO

• Couple expecting their first child looking to upsize
• Found a three-bedroom property worth £300,000
• They had £45,000 equity in current property
• DMP 18 months ago, affecting their credit score

A DIP with us returned a loan of up to £274,500 at 85% LTV that cascaded to a Tier 2 product. Saucy residential products this way😋

Product Launch

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Product launch 15th October

Introducing our 1-year fixed buy to let range Find out more →

With landlords crying out for flexibility in the current market, we’ve introduced a 1-year fixed range with rates from 4.29%.

This shorter term means easy access to future rates or, thanks to a low revert rate of BBR +1.5%, an affordable longer-term product.

Key features:

• Three different fee options (including £0)
• Two different LTV options (75% and 80%)
• 1% ERC
• Opportunity to re-fix at maturity
• Low revert rate of BBR +1.5%

View our new products → Remember, if you’d like to discuss any of your buy to let cases, you can speak to your business development manager, contact our broker liaison team on 01634 888276 or use Live Chat, and we’ll be happy to help.

Selected rate increases across 3 and 5 year fixed rates on Wednesday 16th October 2024

On Wednesday 16th October 2024, Mpowered Mortgages will be increasing a selection of rates across three and five-year residential products:

Purchase range increasing:

• 3 -year fixed rate purchase products on £0 and £999 fee options up to 80% LTV
• 5 -year fixed rate purchase products on £0 and £999 fee options up to 80% LTV

Legal Fee Saver(LFS) & £250 Cashback(CB) Remortgage ranges increasing:

• 3 -year fixed rate remortgage products on £0 fee options up to 85% LTV  
• 3 -year fixed rate remortgage products on £999 fee options up to 80% LTV  
• 5 -year fixed rate remortgage products on £0 and £999 fee options up to 80% LTV  

Products being withdrawn:

• Withdrawal and replacement of selected 3 and 5-year fixed rates products across selected £999 and £0 fee options

No changes to:

• 2 -year fixed rate purchase or remortgage products  
• 2-year BoE Tracker purchase or remortgage products  

Giving you more when there’s missed payments on credit cards & phone plans

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How we can help: Complex Income

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Our HMO/MUB products are changing

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New product launch – new business and retention

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Give Second Chance a Second Thought

The team at Aria Finance, are on a mission to empower brokers to confidently identify and discuss second charge mortgage opportunities with their clients. While the funds raised can be used for almost anything (we’ve even seen cases where they’ve been used to fund a once in a lifetime trip and in another a divorce settlement!), here are some of the more common uses we see:

• Home improvements
• Debt consolidation
• Helping out a child for a property purchase or their wedding
• School or university fees
• Purchasing a holiday home or investment property
• Paying off a tax bill

How can Aria Finance with a Second Charge enquiry?

• Up to 95% LTV
• Lending Multiples that go beyond typical high street limits
• Clients in probation period considered
• Adverse credit considered
• Quicker, smoother timescales with AVM criteria
• Paperless application options (dependant on lender)
• Interest only borrowing available

Find out more about Second Charge Mortgages and how Aria can help here: https://www.ariafinance.co.uk/second-charge-mortgages

How the Hodge Resi Mortgage is making waves in the market 

Launched in August 2024, the Hodge Resi Mortgage has been steadily gaining traction. Designed as a mortgage solution for customers with diverse incomes and in need of a more bespoke approach to lending, the product has been attracting borrowers since the outset.  Available to clients from age 21, with a terms up to 40 years, the Hodge Resi offers mortgage solutions to customer with complex income and affordability needs, regardless of their occupation.

A bespoke product for a unique market  – Hodge Resi is tailored for those whose income structures don’t fit the traditional, high-street lending model. It works for people who need a lender to assess their unique situation beyond current basic income, whether they are employed, self-employed or a combination of both.  We created the Hodge Resi to meet these needs: 

– Borrowers with multiple income sources and complex income structures 

– Self-employed individuals with one year’s trading accounts, regardless of LTV, and acceptance of retained profit where required 

– Experienced fixed-term or day-rate contractors with no minimum income requirements 

– Borrowers wanting to use their employed income until age 80  

– Those looking to maximise affordability through enhanced LTI multiples up to 6x joint income

– Agency and zero-hours workers, including locum doctors and dentists, bank nurses and supply teachers.

Find out more about the Hodge Resi criteria here. 

Real-life success story – One of our early clients perfectly illustrates the real-world impact of Hodge Resi. Nia and Aaron were looking to upsize their home but faced challenges in meeting affordability requirements until the Hodge Resi was able to take a holistic view of their income. Read the full Hodge Resi case study. 

Shared Ownership solutions from TFI

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Santander fixed rates increasing plus other changes on 15 October

On Tuesday 15 October, we’re reducing selected new business residential remortgage fixed rates. All large loan fixed rates are also reducing. We’re increasing selected residential fixed rates in our standard, new build and green ranges. Plus, we’re increasing some Buy to Let and green Buy to Let fixed rates.
In our product transfer range, we’re also making changes to selected residential and Buy to Let fixed rates.
There’ll be no changes to our tracker products in our new business or product transfer ranges.
Remember, we’re withdrawing 8 new business residential 5 year fixed rates at 10pm on Friday 11 October. For more details of these products, go to our website ( https://host.santanderforintermediaries.co.uk/c/AQirkgUQmZ2BBxjY0ruNBSDt3JehAVVvX5eaiDG_cdLhfMdnTZPngFStkuybwzkdBrG9xezk ).

New business – Selected residential fixed rates reducing by up to 0.13% for remortgage clients.
All large loan fixed rates reducing by 0.10%.
Selected residential fixed rates increasing by up to 0.22% across purchase, remortgage and green products.
Selected new build rates increasing by up to 0.10%.
Selected Buy to Let and green Buy to Let fixed rates increasing by 0.03%.

Product transfers –
Selected residential fixed rates reducing by up to 0.16%.
Selected residential fixed rates increasing by up to 0.12%.
Selected Buy to Let fixed rates increasing by 0.03%.

For clients who want to change or cancel their new deal.
If they haven’t accepted their product transfer offer yet, you can select a new product in the online mortgage transfer service for them and a new offer will be issued. Please make sure your client accepts the correct offer for the deal they wish to book.If they’ve already accepted their new deal, you can change to a different deal or cancel the one that’s already booked for them. You must do this at least 14 days before their new deal starts. Please see the ‘Product transfer cancellation process’ section on the Product transfers ( https://host.santanderforintermediaries.co.uk/c/AQirkgUQmZ2BBxjY0ruNBSDu3JehAWueHz8myXdb2eH1mAw2pyVwW9gQO_J1fJ4aBnJVnDnV ) page.

BTL Specials: 15 Oct 2024

As of the morning of the 15^th October 2024, Foundation Home Loans will relaunch its BTL Specials product range. 2 additional products will also be withdrawn and relaunched with no changes.

Landbay’s top BTL products.

Our most popular is the Standard 5-year fixed at 4.69% with up to 75% LTV and a 7% fee, allowing up to 21% increased borrowing. 

Next is the Standard 2-year fixed at 3.79%with 75% LTV and a 6% fee, enabling up to 26% more borrowing. 

Both options feature AVMs for faster processing and savings of around £500 per case—perfect for standard and non-portfolio landlords (3 or less mortgage properties).

Please visit our website for full details.