Purchase rates going down plus other changes

14/04/2026

On Thursday 16 April, we're reducing selected FTB and home mover fixed and tracker rates, plus BTL purchase fixed rates.

In our product transfer range, we’re reducing some residential and BTL fixed rates.  

There are no changes to residential or BTL remortgage rates or tracker rates in our product transfer range.

New business

Fixed rate reductions

  • FTB and home mover - selected fixed rates reducing by up to 0.28%. 
  • Large loan - home mover - all fixed rates reducing by up to 0.12%.
  • BTL purchase - selected fixed rates reducing by up to 0.25%.

Tracker rate reductions

  • FTB and home mover - selected tracker rates reducing by up to 0.30%.
  • Large loan - home mover - all tracker rates reducing by 0.15%.

Product transfers

Fixed rate reductions

  • Residential - all 80% and 85% LTV 1, 2, 3 and 5 year fixed rates reducing by up to 0.19%. All 90% and above 90% LTV 1 and 2 year fixed rates reducing by up to 0.25%.
  • BTL - all above 75% LTV 2 and 5 year fixed rates reducing by 0.10%.

Please visit our product transfers page for more detail about how to view and submit a request plus how to change or cancel a new deal for your client.

Monthly housekeeping

Roll on of our new business benefit end date plus all charge end dates and completion deadlines by 1 month. 

Completion deadlines will roll on to:

  • 30 October 2026 for FTB and home movers
  • 26 February 2027 for new build only products
  • 2 November 2026 for remortgages
  • 5 September 2026 for product transfers

September product transfer maturities will now be eligible to book a new deal.

More information

  • Product codes will be replaced across our new business and PT ranges.
  • Submit applications and PT requests on our current ranges by 10pm on Wednesday 15 April.
  • Rate bulletin (issue 11) and new build rate bulletin (issue 11) will be available on our website on Thursday 16 April.
  • Log on to Introducer Internet to view your client’s choice of PT rates on Thursday 16 April. See the product transfer rate bulletin (effective 16 April 2026) on our website.

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