K-hub & Service Levels

We’ve reduced selected BTL rates by up to 25bps, across all our BTL products: Prime, Prime eKo, Core and HMO/MUB.

Highlights include:

Rates now start from:
Prime range, 2 Year, 75% LTV, 5% fee, 3.49%
Prime range, 5 Year, 75% LTV, 5% fee, 4.59%

Other highlights include:

Prime:
2 Year, 75% LTV, 3% fee, 4.14%
5 Year, 75% LTV, 3% fee, 4.82%

Prime HMO & MUB:
5 Year 75% LTV, 3% fee, 5.09%
5 Year 75% LTV, 5% fee, 4.84%

And we’re still offering a free valuation across all our products (including Residential).

View all rates in our BTL Product Guide.

Good news - we’ve made a range of rate reductions across both our Buy to Let and Residential products, to support more of your clients.

• Buy to Let: Selected 75% LTV rates reduced on Prime, Prime eKo and Core.
• Residential: Resi Select rates reduced by up to 0.25% across all fee options and LTVs.

Free valuations across all products still applies.

For full rates, criteria and product details, please see our product guides below.

Residential Product Guide and Buy to Let Product Guide.

Great news - we’ve boosted our 5-year affordability, so your residential clients could now borrow more.

We’ve also launched a couple of new residential specials to support this:

• £999 fee: 5.49%
• No fee: 5.59%

Plus, we’ve updated rates on both Resi 6 and Resi 12. Find out more in our Product Guide.

We’re pleased to welcome Gemma Davies and Paul Dodimead to the Sales team.

Gemma has joined as BDM for Central West, covering most of Wales, Shrewsbury, Birmingham and as far east as Coventry. Paul has joined as BDM for the East, covering Norwich, Ipswich, Cambridge, Chelmsford, Colchester and as far south as Romford.

Gemma brings more than 20 years’ experience in the mortgage industry, having worked across banking, estate agencies and brokerage before moving into business development.

Paul joins with more than 25 years’ experience in financial services, including senior BDM positions. Having also worked as a mortgage adviser, he brings extensive knowledge of both the intermediary and lending landscape.

Both Gemma and Paul report to Phillip Pinson, Regional Sales Manager – North.

We're pleased to share some great news for your Residential clients, with new Special rates and fee options now available, and free valuations now across ALL our products.

We already have this available for your landlord clients and are thrilled to apply this incentive across our whole product range.

As well as the free valuation, your remortgage customers can also choose from free standard legals or £250 cashback.

All details are available in the Product Guide.

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.

• £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

• 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.

Following broker feedback we’ve updated our green mortgage initiative to now offer lower rates on selected products. It is also now available to your remortgaging clients as well as purchase clients.

To be eligible for the eKo reward, the property needs an energy efficiency rating of A or B for residential, and your client needs to meet our Select credit criteria. For your landlord clients, the property needs an energy efficiency rating of A, B or C and they need to meet our Prime credit criteria.