We are pleased to announce we’ve carried out a BIG spring refresh of our product range to ensure products are meeting your clients’ needs.
Quick Summary
- We’ve introduced a 95% LTV product to our Income Flex range, making it easier for clients struggling to meet affordability.
- We’ve introduced a new fixed rate Flex Together product (our enhanced JBSP mortgage).
- We’ve reduced interest rates across our Income Flex, Credit Flex and Buy to Let products.
- We’ve withdrawn a 2 Year Discount Flex Together product
Explore all the product updates below and if you have any questions, please get in touch with our team.
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What are the new products?
Great news! We’ve introduced a 95% LTV Income Flex product to support borrowers with non-standard income who have smaller deposits or who are struggling with affordability.
We’re now offering a fixed rate product in our Flex Together range, our enhanced JBSP mortgage, allowing up to four borrowers on a mortgage application (including family members and friends). Learn more.
- Flex Together (JBSP) – 2 Year Fixed 6.29% – 90% LTV – JHF1
- Flex Together (JBSP) – 2 Year Discount 5.99% variable (2.05% off Homeowner Variable Rate) – 90% LTV – JHD3
We’ve launched a new discount product providing more options for your clients in search of competitive rates at lower LTVs.
Existing product updates
Standard mortgages rate updates
Our Standard mortgages are available for those who do not have unusual or complex circumstances. This includes older applicants who meet our later life criteria, first time buyers and applicants looking to purchase a new home. They are also available for those looking to remortgage if they have owned the property for at least six months. Explore our criteria.
| Product name | LTV | Old interest rate | Old Product code | New Product name | New interest rate | New product code |
|---|---|---|---|---|---|---|
| 2 Year Discount- (HVR – 2.25%) | 90% | 5.79% | HVD1 | 2 Year Discount- (HVR – 2.05%) | 5.99% | HVD11 |
| 2 Year Fixed | 95% | 6.99% | HVF1 | 2 Year Fixed | 6.29% | HVF3 |
Income Flex rate reductions
Our Income Flex mortgages are specifically designed for applicants who have non-standard or irregular income arrangements and are unlikely to be able to meet standard affordability criteria to secure the mortgage they require. This could include individuals seeking higher income multiples, consideration of irregular income patterns, multiple income streams, 100% commission, CIS contractors, or consideration of the profits of their business. Explore Income Flex criteria.
| Product name | LTV | Old interest rate | Old Product code | New Product name | New interest rate | New product code |
|---|---|---|---|---|---|---|
| Income Flex – 2 Year Discount- (HVR – 1.95%) | 80% | 6.09% | IFHD1 | Income Flex – 2 Year Discount – (HVR – 2.05%) | 5.99% | IFHD3 |
| Income Flex – 2 Year Discount- (HVR – 1.75%) | 90% | 6.29% | IFHD2 | Income Flex – 2 Year Discount – (HVR – 1.85%) | 6.19% | IFHD4 |
| Income Flex – 2 Year Fixed | 80% | 6.95% | IFHF3 | Income Flex – 2Year Fixed | 6.25% | IFHF6 |
| Income Flex – 2 Year Fixed | 90% | 7.15% | IFHF4 | Income Flex – 2 Year Fixed | 6.45% | IFHF7 |
| Income Flex -Fixed to 28/02/29 | 80% | 6.19% | IFHF5 | Income Flex – Fixed to 31/07/29 | 6.09% | IFHF8 |
Credit Flex rate reductions
Credit Flex mortgages are suitable for individuals whose credit history or credit score means they are not able to secure a standard mortgage, or applicants who do not wish to be assessed using automated credit scoring. This could include those who have missed payments or defaults, or have satisfied County Court Judgment (CCJs). Explore Credit Flex criteria.
| Product name | LTV | Old interest rate | Old Product code | New Product name | New interest rate | New product code |
|---|---|---|---|---|---|---|
| Credit Flex – 2 Year Fixed | 80% | 7.19% | CFHF1 | Credit Flex – 2 Year Fixed | 6.45% | CFHF3 |
Buy to Let Ltd Company rate reductions
Ltd Company Buy to Let mortgage products are designed to support existing, and would-be landlords, who are looking to maximise their borrowing potential. It will also benefit those who wish to grow their portfolios through the creation of a Special Purpose Vehicle, which will be dedicated to managing their portfolios. Explore Buy to Let criteria.
| Product name | LTV | Old interest rate | Old Product code | New Product name | New interest rate | New product code |
|---|---|---|---|---|---|---|
| Ltd Company – Fixed to 31/05/29 | 80% | 5.95% | LCF19 | Ltd Company – Fixed to 31/07/29 | 5.54% | LCF21 |
| Ltd Company – Fixed to 31/05/29 | 80% | 5.31% | LCF18 | Ltd Company – Fixed to 31/07/29 | 5.10% | LCF22 |
Product withdrawn
Stay informed
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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 about our Mortgage Referrals Committee. 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.
