K-hub & Service Levels

Rate reductions across our Residential Select range, our product range for those who don't quite fit the high street.

• 65% / 75% LTV rates starting from 5.29%
• 90% LTV rates starting from 6.09%
• 95% LTV rates starting from 6.44%

Plus new lower rates for your landlord clients. All rates are available to individuals and limited companies with identical pricing and fees.

Buy to Let Core - affordability bespoke by product. New rates include:

• 70% LTV, 2 year fixed, 3.19%, 5% fee and free valuation
• 75% LTV, 5 year fixed, 4.79%, 3% fee and free valuation
• 80% LTV, 5 year fixed, 5.64%, 2% fee

Buy to Let Prime - affordability based on higher of Initial payrate or 5%. New rates from:

• 75% LTV, 5 year fixed, 4.39%, 5% fee

For all residential and BTL customers, there’s no credit scoring or upfront application fees, with every case assigned a dedicated underwriter from application through to completion.

As we continue to grow we want to continue to provide excellent sales support to our broker partners and so have restructured the field BDM team to ensure consistent service across the whole nation.

Phillip Pinson and Stephen Chitty have been promoted to Regional Sales Managers for the North and South respectively, whilst retaining their existing BDM positions. Sharan Cochrane has also been promoted to Regional Sales Manager for Scotland and Northern Ireland.

Both Phillip and Stephen will have the 4 x regional BDMs in their area reporting into them, as we maintain our strong 11-person field sales team. The remit of our BDMs remains the same, educating brokers and expanding their businesses by identifying opportunities for growth and development.

Our Professionals mortgage offers enhanced affordability to take into account the earning potential your clients have, allowing them to borrow up to 6 x their income.

Already available to Chartered accountants, Actuaries, Barristers, Commercial pilots, Dentists, Medical doctors and Solicitors, we have now expanded upon the professions that we can accept to include:

• Architects
• Chartered engineers
• Chartered surveyors
• and Veterinary surgeons

To qualify for our Professionals mortgage, your client needs to be registered with the appropriate UK professional body, and be fully qualified and practicing in their specific field.

To help your clients provide you with the correct information to place their cases, just click the link below for our guide on Source of Deposit requirements.

We’ve put together a handy guide so you can see what documents we require depending on your application. It also includes some helpful hints and tips – all designed to help you get your clients’ case submitted right first time.

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