Live from today, Wednesday 25 June 2025, we’ve reduced rates on 20 products across our key product ranges, including Core, Income and Credit Flex, Flex Plus and more.
Core Residential
These Core products are ideal for clients with straightforward financial situations. These products also include JBSP, Later Life and Tailored Term options.
- Core – 5.39% fixed to 30/09/30 – 80% LTV – Rate amended from 5.62% to 5.39% – F259
- Core – 5.64% fixed to 30/09/30 – 90% LTV – Rate amended from 5.82% to 5.64% – F260
Buy-to-Let
Ideal for individual or limited company landlords looking to purchase or remortgage residential rental properties. These products are suitable for both experienced landlords and first-time investors who meet our lending criteria.
- Buy-to-Let – 2 Year Fixed – 75% LTV – Rate amended from 5.75% to 5.65% – BTF102
- Buy-to-Let – 5.62% fixed to 30/09/30 – 75% LTV – Rate amended from 5.85% to 5.62% – BTF103
- LTD Company 5.56% fixed to 30/09/30 – 70% LTV – Rate amended From 5.79% to 5.56% – LCF35
Income Flex
Our Income Flex mortgages are specifically designed for applicants who have non-standard or irregular income arrangements and are unlikely to meet standard affordability criteria.
- Income Flex (x5.5) – IFHF37 – 5.76% fixed to 30/09/30 – 80% LTV – Rate amended from 5.99% to 5.76% – IFHF43
- Income Flex – 2 Year Fixed – 80% LTV – Rate amended from 6.10% to 5.89% – IFHF41
- Income Flex – 5.69% fixed to 30/09/30 80% LTV – Rate amended from 5.85% to 5.69% – IFHF44
- Income Flex – 2 Year Fixed – 90% LTV – Rate amended from 6.25% to 6.15% – IFHF42
- Income Flex – 5.90% fixed to 30/09/30 90% LTV – Rate amended from 5.99% to 5.90% – IFHF45
Credit Flex
Credit Flex mortgages are for clients the need flexibility around their with credit history issues including missed payments, CCJs, payday loans, bankruptcy, etc.
- Credit Flex – 2 Year Fixed – 80% LTV – Rate amended from 6.10% to 5.99% – CFHF15
- Credit Flex – 5.79% fixed to 30/09/30 – 80% LTV – Rate amended from 5.89% to 5.79% – CFHF16
Skilled Worker Visa and Visas Buy-to-Let
These products have been designed specifically for skilled workers on overseas working visas, including those working in health and social care. Our Visas Buy-to-Let are designed to help skilled professionals, entrepreneurs, and investors on visas to purchase or refinance property in the UK.
- Visas – 2 Year Fixed – 90% LTV – Rate amended from 6.19% to 6.09% – VISF34
- Visas – 5.75% fixed to 30/09/30 – 80% LTV – Rate amended from 5.85% to 5.75% – VISF35
- Visas – 5.94% fixed to 30/09/30 – 90% LTV – Rate amended from 6.12% to 5.94% – VISF36
- Visas Buy-to-Let – 5.66% fixed to 30/09/30 – 75% LTV – Rate amended from 5.89% to 5.66% – VBF4
Flex Plus
Our latest product range is designed for individuals with unique or highly complex circumstances relating to their credit history, income, or employment, or who are purchasing a non-standard property.
- Flex Plus – 2 Year Fixed – 80% LTV – Rate amended from 6.25% to 6.15% – FPF5
- Flex Plus – 2 Year Fixed – 90% LTV – Rate amended from 6.40% to 6.30% – FPF6
- Flex Plus – 6.22% fixed to 30/09/30 – 80% LTV – Rate amended from 6.45% to 6.22% – FPF7
- Flex Plus – 6.27% fixed to 30/09/30 – 90% LTV – Rate amended from 6.50% to 6.27% – FPF8
Chris Holmes, Products and Propositions Senior Manager said:
“As part of our ongoing commitment to deliver competitive products and acting in the best interests of our partners, we’re pleased to share the benefits of our financial resilience. Although the Bank of England Base Rate remains unchanged, we’ve proactively implemented a rate reduction to support your clients.”
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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.
