K-hub & Service Levels

We’ve expanded our Shared Ownership product range, allowing your clients to borrow at 85% and 90% of the share price, in addition to the existing 95%, giving them more options and reduced rates.

Minimum share 25%, up to 75% LTV of the total market value.

Reduced rates, up to 85% LTV, across the following ranges:

• Select
• Core
• Hero Mortgage
• Young Professionals
• eKo £1,000 Cashback
• eKo £500 Reward
• Property Plus

Plus, we have reintroduced ‘no fee’ options at 95% LTV. Both ‘fee’ and ‘no fee’ 95% LTV products come in 2, 3 and 5 year fixed rates, available on purchase only.

Reduced rates across all BTL products, including HMO/MUB. Rates are the same for Limited Company clients, now starting from 5.19% for 75% LTV, 5 year fixed with a 2% fee.

Plus, we have a number of special rates for your landlord clients, including those with HMO/MUB. Check out our product guide for all the details.

We have increased our 90% LTV range to include fee-paying options and introduced a range of 95% LTV Special rates.

95% LTV is for purchase only. Completion fees cannot be added to Residential applications over 90% LTV.

Reduced rates on selected Resi fixed term products up to 85% LTV with rates starting from:

65% LTV | 5YR FIX | 5.29% | £999 FEE| FREE VAL| £500 CASHBACK

65% LTV | 2YR FIX | 5.59% | £999 FEE | FREE VAL| £500 CASHBACK

 

*Free legals available for remortgage applications
**Excluding Right to Buy, Tracker and Flexi Fixed for term products

All our Resi and BTL products (including Limited Company) now come with Cashback until 31st January 2024.

Standard cashback T&Cs apply to eKo products. Excludes Flexi Fixed for Term. We reserve the right to withdraw the offer at any time before 31st January 2024.

• Select rates reduced by up to 31bps across 65% to 85% LTV products
• Core rates reduced by up to 70bps across 70% to 85% LTV products
• Large Loans, Young Professional, Hero, eKo, Right to Buy all reduced by up to 75bps
  

Our lowest rates are our 65% LTV Select Specials, both with incentive options including £500 cashback.

65% LTV | 5 YR FIX | 5.59% | £999 FEE
65% LTV | 2 YR FIX | 5.89% | £999 FEE

Plus, all our products now come with Cashback until 31st January 2024.

NEW low LTV Special rate with enhanced cashback

• 65% LTV | 5 YR FIX | 5.89%
• 65% LTV | 2 YR FIX | 6.19%

Free valuation and £500 cashback for purchase
Free valuation and either £500 cashback or free legals for remortgage

REDUCED rates across Tracker mortgages
Up to 85% LTV, with free valuations added to all 75% and 80% LTV products

NEW fixed rate Specials all including free valuations

• 70% LTV | 2 YR FIX | 4.19%
• 70% LTV | 5 YR FIX | 4.79%
• 75% LTV | 2 YR FIX | 4.64%
• 75% LTV | 5 YR FIX | 5.04%

NEW Tracker Special
75% LTV | 2 YR VARIABLE | 5.60% | 3% FEE | FREE VALUATION

REDUCED rates across Tracker mortgages
Up to 80% LTV, with free valuations added to all existing Tracker products