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Reduced rates on expat, buy to let and later life products

We've reduced rates on a range of later life, expat and BTL products, including our five year fixed and discounted rates. Additionally, we can now  also accept top slicing on our 2 year fixed rate BTL.

Details on our new products can be found on individual product pages or by downloading our mortgage rate guide.

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.