We’re pleased to announce that from 30 January 2026, we are reducing rates across our Core Residential (incl. JBSP), Income Flex, and Buy-to-Let ranges. These updates reflect our ongoing commitment to supporting brokers and their clients by keeping our products competitively priced and aligned with current market conditions. Full product details can be explored below.
This latest round of enhancements follows several product changes introduced earlier this month, including:
- Three brand-new Income Flex products available up to 95% LTV.
- A new two-year Discount Ltd Company Buy-to-Let product.
- Selected rate reductions and term extensions across key product ranges such as Core Residential (incl. JBSP), Skilled Worker visas, Income Flex, LTD Company Buy-to-Let and more.
Income Flex rate reductions
Income Flex mortgages are designed specifically for your clients that require extra understanding and flexibility around non-standard or multiple sources of income. Our criteria considers various types of additional income whether the applicant is salaried, self-employed or a contractor.
- Income Flex – 2 Year Discount variable reduced from 4.94% to 4.74% (2.15% off Homeowner Variable Rate) – 80% LTV – IFHD13
- Income Flex – 2 Year Fixed – reduced from 5.69% to 5.62% – 80% LTV – IFHF70
- Income Flex – 2 Year Fixed – reduced from 5.99% to 5.92% – 90% LTV – IFHF71
- Income Flex – Fixed to 30/04/31 reduced from 5.99% to 5.89% – 90% LTV – IFHF72
These products have zero application fees, offer £250 cashback with a £800 completion fee.
Core Residential rate reductions
This range is designed for clients with straightforward financial circumstances, including first‑time buyers, remortgagers, and families purchasing together. It also offers flexible options such as Joint Borrower Sole Proprietor (JBSP), Later Life, and Tailored Term.
- Core Residential – 2 Year Discount variable reduced from 4.80% to 4.50% (2.39% off Homeowner Variable Rate) – 80% LTV – HVD30
- Core Residential – 2 Year Fixed – reduced from 5.60% to 5.42% – 80% LTV – HVF29
- Core Residential – Fixed to 30/04/2031 reduced from 5.59% to 5.43% – 80% LTV – F282
- Core Residential – 2 Year Fixed – reduced from 5.90% to 5.72% – 90% LTV – HVF30
- Core Residential – Fixed to 30/04/2031 reduced from 5.82% to 5.69% – 90% LTV – F283
These products have zero application fees, offer £250 cashback with a £800 completion fee.
Buy-to-Let rate reductions
Our Buy-to-Let mortgages (BTL) are available to first‑time buyer landlords as well as experienced landlords. These rate reductions are designed to support brokers working with clients who value certainty over their repayments, whether they’re planning for the short term or looking for longer‑term stability.
- Buy-to-Let – 2 Year Discount variable reduced from 4.74% to 4.55% (2.34% off Landlord Variable Rate) – 75% LTV – BTD131
- Buy-to-Let – 2 Year Fixed – reduced from 5.55% to 5.35% – 75% LTV – BTF112
- Buy-to-Let – Fixed to 30/04/31 reduced from 5.64% to 5.45% – 75% LTV – BTF113
These BTL products are offered with a £999 completion fee and a £250 application fee.
Christopher Holmes, Products & Proposition Senior Manager added:
“We’re here to deliver solutions that make mortgages more accessible and affordable. These reductions will mean you can offer more competitive options to your clients on our key ranges.”
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Get in touch with our team
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.
