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On Tuesday 20 January, we reduced rates on selected products.

Exclusive Purchase

  • 75% LTV 2 Year Fixed Rate with £895 fee has been reduced by 0.10%, to 3.73%.
  • 75% LTV 2 Year Fixed Rate fee-saver has been reduced by 0.13%, to 3.90%.
  • 80% LTV 2 Year Fixed Rate with £895 fee has been reduced by 0.13%, to 3.73%.
  • 80% LTV 2 Year Fixed Rate fee-saver has been reduced by 0.15%, to 3.90%.
  • 75% LTV 5 Year Fixed Rate with £895 fee has been reduced by 0.07%, to 3.82%.
  • 75% LTV 5 Year Fixed Rate fee-saver has been reduced by 0.05%, to 3.94%.
  • 90% LTV 5 Year Fixed Rate fee-saver has been reduced by 0.03%, to 4.28%.

Purchase

  • 2 year fixed rates with £999 fee have been reduced by up to 0.24%, starting from 3.79%.
  • 2 year fixed rate fee-savers has been reduced by up to 0.21%, starting from 3.98%.
  • 5 year fixed rates with £999 fee have been reduced by up to 0.14%, starting from 3.86%.
  • 5 year fixed rate fee-savers have been reduced by up to 0.10%, starting from 3.97%.
  • Shared Ownership fixed rates have been reduced by up to 0.24%, starting from 3.79%.

BTL

  • 60% LTV 2 Year Fixed Rate with 1% fee has been reduced by 0.08%, to 3.89%.
  • 75% LTV 2 Year Fixed Rate with 1% fee has been reduced by 0.11%, to 3.97%.
  • 75% LTV 5 Year Fixed Rate with 1% fee has been reduced by 0.03%, to 4.14%.
  • 60% LTV 2 Year Fixed Rate with £2,195 fee has been reduced by 0.10%, to 3.87%.
  • 75% LTV 2 Year Fixed Rate with £2,195 fee has been reduced by 0.21%, to 3.87%.
  • 75% LTV 5 Year Fixed Rate with £2,195 fee has been reduced by 0.07%, to 4.10%.

Product Transfer

  • 75% LTV 2 Year Fixed Rate fee-saver has been reduced by 0.06%, to 4.08%.
  • 85% LTV 2 Year Fixed Rate fee-saver has been reduced by 0.05%, to 4.44%.
  • 75% LTV 3 Year Fixed Rate with £999 fee has been reduced by 0.04%, to 3.89%.
  • 75% LTV 5 Year Fixed Rate fee-saver has been reduced by 0.06%, to 4.02%.

IMPORTANT: If a previously submitted Product Transfer is due to complete 31/01/26 and you wish to submit a product switch request then this will be rejected as it would result in your client being charged an SVR payment in February.

All other product switch requests for future maturity months will be processed as normal.

You can find our current rates in our Product Guide.

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