We’re excited to announce that, from 24 October 2025, four brand‑new Core Residential (incl. JBSP) products will be available. This includes two and five-year fixed-rate products and refreshed discounted options up to 95% LTV, offering reductions of up to 179 basis points (bps).
The expanded range is designed to provide brokers with greater choice when supporting clients with smaller deposits, including first-time buyers and families buying together with options, such as JBSP, Later Life, and Tailored Term.
New product details
- Core Residential – 2 Year Discount 5.10% variable (1.79% off Homeowner Variable Rate) – 90% LTV – HVD28
- Core Residential – 2 Year Discount 5.39% variable (1.50% off Homeowner Variable Rate) – 95% LTV – HVD29
- Core Residential – 2 Year Fixed 6.25% – 95% LTV – HVF25
- Core Residential – 6.10% fixed to 31/01/31 – 95% LTV – F274
All products include no application fee, an £800 completion fee, £250 cashback, and a 10% annual overpayment allowance.
This refresh also follows our Buy-to-Let rate reductions in September.
Laura Sneddon, Head of Mortgage Sales & Distribution commented:
“Affordability remains one of the biggest challenges for brokers and their clients, and that’s exactly where products like these make a difference. Our new two- and five-year fixed options, alongside refreshed discounted rates of up to 179 basis points, are designed to give brokers more flexibility when structuring cases across higher LTV bands.
“What we’re seeing more often is clients don’t always fit traditional profiles. Whether it’s first-time buyers combining incomes, families helping each other, or more complex financial arrangements, JBSP continues to prove its value as a practical solution. It gives borrowers the framework to buy together, while keeping ownership simple and clear.
“By updating our high LTV residential product suite, we’re making sure brokers have the right tools to support those real-life scenarios.”
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Our dedicated Business Development team will be happy to speak to you about any cases you have, explain how our specialist products and flexible criteria can benefit your clients, or answer any questions you have. Get in touch on 01455 894 084. Or send us a message on our Live Chat, our response time is often only seconds!
Please note product details and criteria are correct at launch and are subject to change.
