K-hub & Service Levels

• Reduced rates on Residential products up to 92.5% LTV, including our Select and Core ranges.
• Our new Mid LTVs are also included, with the rates now from 5.74% for 5 years fixed at 82.5% LTV with a £999 fee.
• Lower Buy to Let rates, including Limited Company, HMO/MUB and Core products.

For all rates and details, view our Residential Product Guide and Buy to Let Product Guide.

We've reduced the rates on our BTL Specials and added even more for your landlord clients:

• 2 year fixed, 70% LTV, 5% Fee, 4.15%
  
  
• 2 year fixed, 75% LTV, 3% Fee, 5.04%
• 2 year fixed, 75% LTV, 5% Fee, 4.54%
  
  
• 5 year fixed, 75% LTV, 5% Fee, 4.69%
• 5 year fixed, 75% LTV, 3% Fee, 5.09%

Introducing LTV solutions that provide more options for your residential clients. Designed to offer better rates so they only pay for what they need. Available across our Select range for Residential clients, with fee and no fee options, and fixed for either 2 or 5 years:

82.5% LTV
- 2 Year fixed | 6.27% with £999 fee or 6.52% with no fee
- 5 Year fixed | 6.07% with £999 fee or 6.17% with no fee
87.5% LTV
- 2 Year fixed | 6.74% with £999 fee or 6.99% with no fee
- 5 Year fixed | 6.47% with £999 fee or 6.62% with no fee
92.5% LTV (Purchase only)
- 2 Year fixed | 7.24% with £999 fee or 7.47% with no fee
- 5 Year fixed | 6.79% with £999 fee or 6.99% with no fee

We’ve released two new Buy to Let Specials, giving your landlord clients more options:

• 2 year fixed 5.39% 75% LTV, 3% Fee
• 5 year fixed 4.89% 75% LTV, 5% Fee

• Selected 90% LTV rates reduced by up to 55bps, ranges include Select, Professional, Heroes, eKo and Core
• Selected 95% LTV rates reduced by up to 35bps
• Arrangement fee on 90% and 95% reduced from £1,299 to £999

Lowest Select 90% LTV 2,3,5 year fixed rates are now 6.89%, 6.59%, and 6.44% respectively (all with £999 fee).

Lowest Select 95% LTV 2,3,5 year fixed rates are now 7.39%, 7.09%, and 6.94% respectively (all with £999 fee).

We’ve expanded our Shared Ownership product range, allowing your clients to borrow at 85% and 90% of the share price, in addition to the existing 95%, giving them more options and reduced rates.

Minimum share 25%, up to 75% LTV of the total market value.

Reduced rates, up to 85% LTV, across the following ranges:

• Select
• Core
• Hero Mortgage
• Young Professionals
• eKo £1,000 Cashback
• eKo £500 Reward
• Property Plus

Plus, we have reintroduced ‘no fee’ options at 95% LTV. Both ‘fee’ and ‘no fee’ 95% LTV products come in 2, 3 and 5 year fixed rates, available on purchase only.

Reduced rates across all BTL products, including HMO/MUB. Rates are the same for Limited Company clients, now starting from 5.19% for 75% LTV, 5 year fixed with a 2% fee.

Plus, we have a number of special rates for your landlord clients, including those with HMO/MUB. Check out our product guide for all the details.

We have increased our 90% LTV range to include fee-paying options and introduced a range of 95% LTV Special rates.

95% LTV is for purchase only. Completion fees cannot be added to Residential applications over 90% LTV.