Important information on our mortgage products - new product range

24 Mar 2025

From today, Monday 24 March, we've refreshed our product range and pricing. The changes include an increase to our Joint Borrower Sole Proprietor (JBSP) maximum loan size for Owner Occupier Repayment mortgages to £1,000,000, new Owner Occupier Interest-Only products to 80% LTV, and the introduction of our House in Multiple Occupation (HMO) products to general sale.

Further details of our product changes are below:

Owner Occupier Fixed Rates

Our 2 Year and 5 Year Fixed Rate Repayment and Interest-Only mortgage products have received rate adjustments. Additionally we have increased the maximum loan for our Joint Borrower Sole Proprietor (JBSP) Repayment mortgage products, from £500,000 to £1,000,000.

Repayment 
Our 2 Year Fixed Rate products have decreased by 0.10%, and our 5 Year Fixed Rate products have increased by 0.15%.


Interest-Only

Our 2 Year Fixed Rate product for 60% LTV has decreased by 0.05%. Additionally we've launched new 2 Year and 5 Year Fixed Rate products up to 80% LTV with no maximum loan size.

*Please note: Our 2 Year Fixed Rate Interest-Only JBSP product still has a maximum loan of £500,000

Buy to Let Fixed Rates

Our 2 Year Fixed Rate products have decreased by 0.10% and there have been no changes to our 5 Year Fixed Rate products.


New Limited Company Buy to Let House in Multiple Occupation (HMO) products

We have expanded the availability of our 2 Year and 5 Year Fixed Rate House in Multiple Occupation (HMO) mortgage products, which are now open to all intermediaries for purchase and remortgage and can be used for properties with up to four bedrooms and a maximum of six tenants.

Key information

  • This product is only available for Limited Company Buy to Let mortgages
  • This product is not available for student lets or care homes. 


Discounted Variable Rates

All Owner Occupier and Buy to Let Discounted Variable Rates remain unchanged.

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 additional semi-exclusive products available via our packaging partners. For further information, speak to your local BDM

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 from pensions and investments to mortgages. 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:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace 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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