New 2 and 5-year fixed rates across residential, expat, BTL and holiday let range

On Wednesday 3rd September 2025, we launched new 2 and 5-year fixed-rates across residential, buy-to-let (BTL), holiday let and expat lending, giving brokers more choice when placing cases for homeowners, landlords and overseas borrowers.

The new range includes:

●      Residential capital and interest two-year fixed – 65% LTV – at 5.40%

●      Residential interest-only two-year fixed – 75% LTV – at 5.70%

●      BTL five-year fixed – 70% LTV – at 5.95%

●      Holiday let five-year fixed – 70% LTV – at 6.10%

●      Expat BTL five-year fixed – 70% LTV – at 6.40%

The arrangement fee for the two-year fixed rates is £499 and for the five-year fixed it is £1,499, apart from the Expat rate which is £1,999. All of these fees can be added to the loan, as long as the loan to value does not exceed the maximum permitted.

For the two-year fixed rates, the early repayment charge is 3% and 1% and for the five-year fixed rates it is 4%, 3%, 2%, 1% for years 4 and 5.

These rates are designed to provide brokers with a wider set of fixed-rate choices to support clients with varying needs, from homeowners looking for shorter-term certainty to landlords and expats seeking long-term stability on rental investments.

The inclusion of both capital and interest and interest-only residential options is aimed at ensuring flexibility for borrowers with different repayment preferences, while the new BTL and holiday let products help strengthen support for landlords expanding or diversifying portfolios.

As a mutual lender, we are committed to supporting brokers with flexible, manually underwritten mortgage solutions. We offer a wide range of products with loan sizes from £25,000 to £2.5 million.

Our Distribution Director Robert Oliver, said:

“Brokers have been clear that they want more fixed-rate options they can rely on, especially for cases involving landlords, holiday lets and expat borrowers. With these new products, we’re making it easier for brokers to support their clients, keeping the process straightforward and free from unnecessary hurdles.

“Our role is to take a flexible, common-sense approach so brokers can focus on building relationships and getting deals over the line.”

For more information on our new products, check out our mortgage range.
 

Discuss a case or product with your BDM/KAM

If you’d like guidance on a client case or need help choosing the right product, your local BDM is ready to support you.

Alternatively, you can speak to our dedicated Intermediary Support Team on 01384 489 195