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 27/04/2026
1 MIN 25 SECS
2 DAYS
1 DAY
10 DAYS
48 HOURS
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.
