9:33 AM, 9th May 2025, About 2 weeks ago
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Several UK specialist lenders have introduced innovative products to address the evolving needs of professional landlords and property investors, offering greater flexibility and competitive pricing.
Hampshire Trust Bank (HTB) has rolled out Portfolio Edge, a structured lending solution designed for brokers helping landlords with complex portfolios.
This product merges a two-year fixed-rate term mortgage at 4.99% with a bridging facility at 0.7% per month, enabling landlords to sell assets without early repayment penalties.
HTB’s managing director of specialist mortgages, Alex Upton, said: “Portfolio Edge is built for exactly what brokers are dealing with – affordability blocks, structural complexity and clients who need more than a standard refinance.
“It gives them flexibility and clarity in one solution, and we’ve priced it to give them a real edge in the market.”
He added: “Most importantly, it gives landlords breathing room to sell properties, reduce leverage and refinance smoothly later, without early repayment charges biting when it matters.”
Following the Bank of England’s 0.25% base rate cut to 4.25% this week, Together has reduced rates across its bridging and variable rate term products.
Unregulated bridging loans now start at 0.89% for first charge residential properties, while commercial property loans begin at 1.00%.
Regulated bridging rates have also fallen, with first charge products at 0.83%.
The lender’s director of intermediary sales, Tanya Elmaz, said: “The base rate cut has an impact on lowering our cost of funds and we’re pleased to be able to support growth in the residential and commercial property sectors.”
Aldermore has launched zero-fee limited edition buy to let products for both individual and company landlords.
New rates include a two-year fixed rate at 6.09% and a five-year fixed rate at 5.79% for single residential properties, with multi-property options slightly lower at 6.04% and 5.74%, all up to 75% loan-to-value (LTV).
Jon Cooper, director of mortgages at Aldermore, said: “These latest limited editions follow on from numerous rate reductions and product enhancements in recent months.
“We’re always on the lookout for ways to offer good value and significant choice to a vast array of borrowers.”
Atom bank, recognised for its top Trustpilot rating among UK mortgage lenders, has cut rates on its commercial investment fixed-rate mortgages, with reductions ranging from 0.11% to 0.40% depending on LTV bands.
Rates now start at 5.92%, with additional discounts for loans between £1 million and £4 million.
Atom’s head of business lending, Tom Renwick, said: “I have no doubt that brokers and their clients will welcome these rate reductions which provide businesses with even more competitively priced options.
“Atom bank is committed to supporting businesses take the next step, and will continue to improve our proposition wherever possible, as demonstrated by both these rate cuts and the recent introduction of simplified stressed interest rate calculations.”
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