• 2-Year and 5-Year Fixed Rates for both Standard and Specialist products
• Lending available for HMO, MUFB, and Ex-Pat clients
• Max LTV – 75% for SPV and 70% for HMOs.
• SPV 2-Year Fixed: Rates reduced by 40bps across all LTVs; 2.00% arrangement fee remains.
• SPV 5-Year Fixed: Green rate now 4.75%, Non-Green 4.85%; fees reduced to 1.50% (75% LTV), 1.25% (65% LTV); £4,000 flat fee option available.
• Standard 5-Year Fixed: 30–35bps rate reduction across all LTVs.
• 2-Year Fixed HMO: 85–90bps rate cuts; new rates as low as 5.05% (Green); 2.00% arrangement fee unchanged.
• 5-Year Fixed HMO: Flat rates of 5.05% (Green) and 5.15% (Non-Green) across all LTVs; fees reduced to 1.50% (50% & 65% LTV), 2.00% (70% LTV).
• MUFB properties now priced in line with HMO range.
• No changes to Expat & NRI products, SVR (remains at 7%), or Retention Range (no upfront fees).
