22 April 2026 - Product changes

On Wednesday 22nd April, we're making changes across our mortgage range.

Changes at a glance

• Introduction of new 5-year fixed products across Expat Ltd Co BTL, HMO & HMO Ltd Co BTL, standard BTL and Contractor.

• Relaunch of JBSP and JBSP First Time Buyer.

• Refresh of our retention range, including new LTV tiers.

• The sale of a remortgaged property will now be accepted as a repayment vehicle across our standard range, replacing the dedicated Lending Into Retirement product and opening up more choice for your clients.

• Further criteria enhancements are also coming across our Residential and Buy-to-Let propositions, with full details to follow on Wednesday!

Full details of the latest changes can be found below.

Product withdrawals – important application deadlines

To secure a product being withdrawn, we require a full mortgage application to be submitted, with all fees paid, by 5pm on Tuesday 21st April.

To allow our underwriters the time to review any referrals, please submit DIPs by Midday Tuesday. This gives you the best chance of reaching the FMA submit stage by 5pm.

If you have already submitted an application with us and you want to switch to one of these new products, please add a note to the case with details of the new product you wish to change to.

Thank you for your continued support.