Important changes to our mortgage products - March 2026

13 Mar 2026

From today, Friday 13 March, we've launched a new range of fixed rate products, across both our Owner Occupier and Buy to Let offerings, with options available for new and existing customers.

In response to the current volatility across financial markets, our new range of fixed rates is more condensed than usual. We aim to return with our full range of fixed rates as soon as possible.

Please note, our existing customers will now need to select products from the new on-sale range. The fixed rates that we withdrew on Tuesday 10 March, which remained available for existing customers, have now been fully withdrawn and are no longer available for further advances and product switches.

Further details of our product changes are below:

Owner Occupier Fixed Rates

Repayment

Available to new and existing customers. 

table showing the Owner Occupier Repayment Fixed Rates

*Additional security required. Minimum LTV 80%.


Interest-Only 

Available to new and existing customers. 

table showing the Owner Occupier Interest-Only Fixed Rates

Buy to Let Fixed Rates 

New Business

Table showing Buy to Let new business fixed rates

Existing Borrower

Table showing the Buy to Let Existing Borrower Fixed Rates

Buy to Let HMO 

Available to new and existing customers.

table showing the Buy to Let HMO Fixed Rates

Managed Mortgage Rates

Please note that our Managed Mortgage Rates are not changing at this time.

Semi-exclusive products

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

See full details of our new product range.

Our team of BDMs now cover the whole of England, Wales and Scotland, and are all ready to answer your queries and guide you through the application process.

BDM March 26

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:

A NEW BDM WILL BE COVERING YOUR AREA SOON.

Our experienced Business Support Team are on hand to support you with any applications, case updates or any queries you may have.
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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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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

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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