K-hub & Service Levels

Providing greater affordability for your landlord clients requiring a simple income ratio proposition.

The detail:

• Up to 75% LTV
• Assessed at the higher of initial payrate or 5%
• Available to Limited Company at the same rates
• Offered on our standard, green mortgage and HMO/MUB ranges
• Appears as a separate product on sourcing systems: BTL Prime

   

Resi
Reduced rates on selected products from 82.5% - 95% LTV.

• 75% LTV | 2 year fix | 3% Fee | Free Val | 4.64%

Plus, we've launched two new HMO/MUB specials:

• 75% LTV | 2 year fix | 3% Fee | 4.75%
• 75% LTV | 5 year fix | No Fee | 5.84%

• Shared Ownership, HTB, RTB
• Select, Core, Resi 6 and Resi 12
• Special rates now from 4.99% (5 year fixed, 70% LTV, £999 fee).

• Special rates now from 3.89% (2 year fixed, 70% LTV, 5% fee).

We’re pleased to be adding 1 year fixed rate options to our Resi and BTL products (including limited company), for purchase and remortgage:

Residential

• 75% LTV, £999 fee, 6.04%
• 80% LTV, £999 fee, 6.09%
• 85% LTV, £999 fee, 6.49%

BTL (including limited company)

• 75% LTV, 2% fee, 4.49%
• 80% LTV, 2% fee, 4.94%

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%