From 9am on Wednesday 7 October 2026, we’re making rate and LTV changes to selected products across our Core, Income Flex and Buy-to-Let ranges.
We’re also withdrawing two existing customer remortgage products.
See the full list of changes below. If you have a case ready to place or would like to discuss affordability options for a client, our team is here to help.
Purchase and remortgage products
Core Residential (incl. JBSP)
| Product | LTV | Previous code | Previous rate | Previous HVR discount | New code | New rate | New HVR discount |
|---|---|---|---|---|---|---|---|
| 2 Year Discount | 90% | HVD31 | 5.25% | 1.64% | H2D04 | 5.45% | 1.44% |
| 2 Year Discount | 80% | H2D03 | 4.70% | 2.19% | H2D05 | 4.95% | 1.94% |
Income Flex
| Product | LTV | Previous code | Previous rate | Previous HVR discount | New code | New rate | New HVR discount |
|---|---|---|---|---|---|---|---|
| 2 Year Discount | 95% | IFHD12 | 5.59% | 1.30% | IFHD14 | 5.75% | 1.14% |
| 2 Year Discount | 90% | IFD202 | 5.29% | 1.60% | IFHD16 | 5.50% | 1.39% |
| 2 Year Discount | 80% | IFD201 | 4.99% | 1.90% | IFHD15 | 5.19% | 1.70% |
Existing customer remortgage products
Core Residential (incl. JBSP)
| Product | LTV | Previous code | Previous rate | Previous HVR discount | New code | New rate | New HVR discount |
|---|---|---|---|---|---|---|---|
| 2 Year Discount | 95% | HVD15 | 4.64% | 2.25% | DR08 | 4.89% | 2.00% |
| Discount for term | 95% | TDO16 | 4.64% | 2.25% | TDR09 | 4.89% | 2.00% |
| 2 Year Discount | 90% | HVD14 | 4.44% | 2.45% | DR07 | 4.79% | 2.10% |
| Discount for term | 90% | TDO15 | 4.44% | 2.45% | TDR08 | 4.79% | 2.10% |
| 2 Year Discount | 80% | DR05 | 4.29% | 2.60% | DR06 | 4.49% | 2.40% |
| Discount for term | 80% | TDR06 | 4.29% | 2.60% | TDR07 | 4.49% | 2.40% |
Income Flex
| Product | Previous LTV | Previous code | Previous rate | Previous HVR discount | New LTV | New code | New rate | New HVR discount |
|---|---|---|---|---|---|---|---|---|
| 2 Year Discount | 90% | IFRD11 | 4.54% | 2.35% | 95% | IFRD14 | 4.99% | 1.90% |
| 2 Year Discount | 80% | IFRD12 | 4.49% | 2.40% | 80% | IFRD13 | 4.69% | 2.20% |
Buy-to-Let
| Product | Previous LTV | Previous code | Previous rate | Previous LVR discount | New LTV | New code | New rate | New LVR discount |
|---|---|---|---|---|---|---|---|---|
| Buy-to-Let 2 Year Discount | 75% | BDR01 | 4.50% | 2.39% | 80% | BDR04 | 4.80% | 2.09% |
| Buy-to-Let Discount for term | 75% | TDR01 | 4.50% | 2.39% | 80% | TDBR01 | 4.80% | 2.09% |
| Ltd Company 2 Year Discount | 70% | LCR01 | 4.90% | 1.99% | 80% | LCR02 | 4.90% | 1.99% |
Products being withdrawn
The following products will be withdrawn from 9am on Wednesday 7 October 2026:
- Remortgage – 2 Year Discount 4.19% (2.70% off Homeowner Variable Rate) – 60% LTV – DR04
- Remortgage – Discount for term 4.19% variable (2.70% off Homeowner Variable Rate) – 60% LTV – TDR05
Stay informed
Want to be alerted when we launch, update, and withdraw our products?
If you would like to keep up to date with our product launches, criteria updates, and any other changes we make to our product range, you can sign up to our email newsletter below and receive this information straight to your inbox.
Speak to us
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.
