K-hub & Service Levels
K-hub is a dedicated information and service space where you can view our weekly service levels, support guides, handy reminders and general updates.
Our service levels
Average broker experience as of 11/05/2026
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Our latest news
New lower BTL rates
We're pleased to share that we have reduced rates across our BTL range, including Prime, Core and eKo products.
Core (inc. HMO & MUB): Allows HRTP to benefit from lower ICR by using surplus earned or portfolio income
- Up to 80% LTV
- Reductions of up to 0.20%
Prime (inc. HMO & MUB):Assessed at Higher of Initial payrate plus 2% or 5.50% (2 year fixed) or assessed at Higher of Initial payrate or 5% (5 year fixed)
- Up to 75% LTV
- Reductions of up to 0.20%
Prime eKo (for properties with EPC rating of A, B or C):
- Up to 75% LTV
- Reductions of up to 0.20%
And we’re still offering free valuations on ALL BTL cases.
Please note: our HMO/MUB products are only available in England, Scotland and Wales.
Lower rates on HMO/MUB
We’ve reduced our 2 year fixed rates by 0.15% and 5 year fixed rates by up to 0.20% on HMO/MUB.
Key details:
- £750k maximum loan
- Available on 6 bed HMO or MUB
- Minimum area 30sqm on MUBs
- Suitable for First Time Landlords with a combined minimum income over £75k
Lower rates for clients with complex credit files
We’ve reduced our rates on Resi 12 by up to 1.08% and Resi 6 by up to 1.03%.
- Maximum of 2 unsecured credit arrears in the last 12 months, accounts must now be up to date.
- No defaults within 12 months and a maximum of one in the last 24 months, to have been no more than £1,500.
- No CCJs within 12 months and a maximum of one in the last 24 months, to have been no more than £1,000.
- No secured loan or rent missed payments in the last 12 months, and a maximum of one in the last 24 months.
- No maximum of unsecured credit arrears, last 6 months payments must have been made.
- No defaults within 6 months and a maximum of one in the last 24 months, to have been no more than £1,500.
- No CCJs within 6 months and a maximum of one in the last 24 months, to have been no more than £1,000
- No secured loan or rent missed payments in the last 3 months, and a maximum of one in the last 24 months.
- Please note, Resi 6 is not available to FTBs.
