Important Changes to Mortgage Products - September 2025

30 Sep 2025

From today, Tuesday 30 September,  we've refreshed our product range and pricing and have introduced new products for Buy to Let Limited Companies with Expat shareholders and/or directors. 

Further details are below:

NEW: Buy to Let Expat Limited Company

We have launched 2 and 5 Year Fixed Rate products for sale to Buy to Let Limited Company landlords, who are registered as companies in the UK and have expat shareholders and/or directors in one of our acceptable countries.

  • Available for Purchase and Remortgage
  • Available up to 75% LTV 
  • Assessed against minimum 125% ICR
  • Remortgages have a free valuation up to £500k property value, discounted valuation over £500k
  • 5 Year Fixed comes with £500 cashback for Remortgages
  • Available on a Repayment or Interest-Only basis
  • Our usual Limited Company and Expat criteria applies
  • Companies to be Special Purpose Vehicles (SPVs) registered in the UK under SIC code 68100, 68209 or 68320
  • Shareholders and/or directors to be UK passport holders who are expats in one of our acceptable countries

 

 

 

Owner Occupier Fixed Rates

Repayment

Core Range
  • 2 and 3 Year Fixed Rates have decreased by 0.10%
  • 5 Year Fixed Rates are unchanged.
Joint Borrower Sole Proprietor (JBSP):
  • 2 Year Fixed Rates have decreased by 0.10%
  • 5 Year Fixed Rates are unchanged
  • There's still no Application Fee for these products.


Interest-Only

All fixed rates remain unchanged.


Buy to Let Fixed Rates

  • All 2 Year Fixed Rates have decreased by 0.10%
  • All 5 Year Fixed Rates have decreased by 0.05%.


Managed Mortgage Rates and Discounted Variable Rates

Our Managed Mortgage Rates will reduce by 0.25% from 1 October.

This means:

  • Pay rates for our Discounted Variable Rates will also drop by 0.25% on this date
  • We've updated our website and product literature to reflect this change from 30 September, a day ahead of the changes.
     

Semi-exclusive products

On top of our standard range of products we have additional semi-exclusive products available via our packaging partners. For further information, speak to your local BDM.

We have a team of BDMs ready, willing and able to answer any of your queries. If you don’t have a BDM in your area, you can contact our dedicated Mortgage Desk

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Affordability Calculator

Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator

Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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A new BDM will be covering your area soon. In the meantime, our experienced business support team are on hand to support you with any applications, case updates or any queries you may have.

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

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