K-hub & Service Levels

The 5 year Step Down fixed rate option provides an initial fixed rate for the first 2 years, followed by a lower fixed rate for the remaining 3 years, giving your client an overall saving compared to the equivalent Resi 6 or 12 5 year fixed rate.

Please note that sourcing for Step Down fixed rate will vary depending on your sourcing system of choice.

For Mortgage Brain, Trigold and 27tec, please see our "FAQ: How do I source the Step Down fixed rate?" on the Resi 6 or Resi 12 landing page.

We’re kicking off the summer holidays with new and reduced Special rates across Resi and BTL.

Residential - New 70% LTV specials starting from:

• 2 year fixed, 70% LTV, £999 fee, 5.49%
• 5 year fixed, 70% LTV, £999 fee, 5.34%

BTL - New 70% LTV specials starting from:

• 2 year fixed, 70% LTV, 5% fee, 3.99%
• 5 year fixed, 70% LTV, No fee, 5.79%

BTL - Reduced 75% LTV specials starting from:

• 2 year fixed, 75% LTV, 3% fee, 4.89%
• 5 year fixed, 75% LTV, 3% fee, 4.99%

Plus, all BTL Special rates come with free valuation.

Get them while you can.

We’ve reduced selected rates across our Resi and BTL ranges, including 2, 3 and 5 year deals

Residential - Reduced rates and new specials across our Select, Core and Shared Ownership ranges including:

• Select 3 year fixed rates reduced
• Core 2, 3 and 5 year fixed rates at 90% LTV reduced
• Two new 2 year fixed rate Specials on our Select Range at 75% LTV
  - 2 year fixed rate, £999 fee, 5.79%
  - 2 year fixed rate, No fee, 6.09%
• Three new 5 year Specials for Shared Ownership at 85%, 90% and 95% LTV

Buy to Let (including Limited Company)

• Reductions to selected 2, 3 and 5 year fixed term rates at 75% and 85% LTV, including fee and no fee options

We have created this handy guide to help you explain to your clients the way that first payments work, depending on their completion date.

To help you explain to your client the stages their mortgage application goes through once you have submitted their case.

Download our simple one-page guide to get all the information you need to know about our criteria on CCJs, arrears, defaults and more.