Plus top slicing now available on 2-year fixed rate buy to let
We’ve reduced rates on a range of later life, expat and buy to let products, including our five year fixed and discounted rates.
Additionally, we can now top slice on our 2-year fixed rate BTL product.
What is top slicing
Top slicing is when we can use your client’s personal income to ‘top up’ a shortfall in the Interest Coverage Ratio (ICR).
By taking this additional portion of personal income into account during affordability calculations, this may enable them to access the loan amount required.
Click here for more info.
New product details
Later Life 2.75% 5 Year Discount
- Purchase / remortgage
- 75% LTV up to £750k
- Fees: £699
- Free overpayments up to 50% of the loan
- 2% ERC for 3 years
Later Life 3.25% 5 Year Fixed
- Purchase / remortgage
- 75% LTV up to £750k
- Fees: £699
- Free overpayments up to 50% of the loan
- 3% ERC until 30/09/2024
Buy to Let 3.40% 5 Year Fixed
- Purchase / remortgage
80% LTV up to £500k - Fees: £1,149
- Free overpayments up to 50% of the loan
- 5% ERC until 30/09/2024
Expat Buy to Let 3.35% 2 Year Fixed
- Purchase / remortgage
- 75% LTV up to £500k
Fees: £1,198 - Free overpayments up to 50% of the loan
- 3% ERC until 30/09/2021
Expat Buy to Let 3.00% 2 Year Discount
- Purchase / remortgage
- 75% LTV up to £500k
- Fees: £1,198
- Free overpayments up to 50% of the loan
- 1% ERC for 2 years
Expat Buy to Let 3.50% 5 Year Fixed
- Purchase / remortgage
- 75% LTV up to £500k
Fees: £1,198 - Free overpayments up to 50% of the loan
- 5% ERC until 30/09/2024
Expat residential – foreign currencies now accepted
We’re now able to accept applications from applicants paid in the following foreign currencies: Euro, Swiss Franc, Norwegian Krone, US Dollar, Canadian Dollar, Singapore Dollar, Hong Kong Dollar, UAE Dirham, Qatari Riyal, Kuwaiti Dinar
