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

While footballers are scoring goals, we’ve released more rates to help you score big with your clients:

Residential - TWELVE new special rates for 90% LTV on our Select range, for purchase and remo, including:

• 5 year fixed, £999 fee, 6.44%
• 2 year fixed, £999 fee, 6.89%

Plus, we’ve lowered rates on our 90% LTV products for Hero, Professionals and eKo Reward.

Buy to Let (including Limited Company) - 3 new 75% LTV special rates and a new 2 year fixed rate now available:

• 5 year fixed, 3% fee, 5.09%
• 2 year fixed, 5% fee, 4.19%
• 2 year fixed, 3% fee, 5.04%
• 2 year fixed, £4,000 fee, 5.79%

We’re pleased to launch a number of new Special rates – get them while you can.

Professionals:
Following from our removal of max age at application, we’ve made this product available to more clients who meet the Professional range criteria and launched the following Special rates:

• 2 year fixed, 90% LTV, No fee, 7.19%
• 5 year fixed, 90% LTV, No fee, 6.79%

95% LTV Specials:
For your clients looking to make a purchase with a small deposit, we’ve launched the following rates all featuring £1,000 cashback and free valuation.

• 2 year fixed, 95% LTV, No fee, 7.69%
• 3 year fixed, 95% LTV, No fee, 7.39%
• 5 year fixed, 95% LTV, No fee, 7.19%

We have removed the age limit on our Professionals range, meaning more clients could benefit from this product and the enhanced affordability.

The following professions are eligible:

• Chartered accountants
• Actuaries
• Barristers
• Commercial Pilots
• Dentists
• Doctors
• Solicitor

• Reduced rates on Residential products up to 92.5% LTV, including our Select and Core ranges.
• Our new Mid LTVs are also included, with the rates now from 5.74% for 5 years fixed at 82.5% LTV with a £999 fee.
• Lower Buy to Let rates, including Limited Company, HMO/MUB and Core products.

For all rates and details, view our Residential Product Guide and Buy to Let Product Guide.

We've reduced the rates on our BTL Specials and added even more for your landlord clients:

• 2 year fixed, 70% LTV, 5% Fee, 4.15%
  
  
• 2 year fixed, 75% LTV, 3% Fee, 5.04%
• 2 year fixed, 75% LTV, 5% Fee, 4.54%
  
  
• 5 year fixed, 75% LTV, 5% Fee, 4.69%
• 5 year fixed, 75% LTV, 3% Fee, 5.09%

Introducing LTV solutions that provide more options for your residential clients. Designed to offer better rates so they only pay for what they need. Available across our Select range for Residential clients, with fee and no fee options, and fixed for either 2 or 5 years:

82.5% LTV
- 2 Year fixed | 6.27% with £999 fee or 6.52% with no fee
- 5 Year fixed | 6.07% with £999 fee or 6.17% with no fee
87.5% LTV
- 2 Year fixed | 6.74% with £999 fee or 6.99% with no fee
- 5 Year fixed | 6.47% with £999 fee or 6.62% with no fee
92.5% LTV (Purchase only)
- 2 Year fixed | 7.24% with £999 fee or 7.47% with no fee
- 5 Year fixed | 6.79% with £999 fee or 6.99% with no fee