United Trust Bank has announced an important product update. Click here for the latest Master Broker/Packager/Distributors product guides. Or here for the updated product guides for Direct/Networks/Club. If you have any new applications you wish to discuss, please Contact us for more information.
ANNOUNCEMENTS
UTB: Buy-to-Let Rate Update
We’re making some important updates to our Buy-to-Let mortgage range, which will go live on Thursday 1st October 2026.
Rates have been updated across the range and now start from 4.19% on a Standard Range 2-Year Fixed and 5.99% on a Standard Range 5-Year Fixed, with loans available from £50,000 to £1.5 million and up to a maximum of 80% LTV.
Pipeline
All pipeline applications submitted on existing products will continue to be honoured, provided a mortgage offer is issued on or before Monday 2 November 2026.
Further Information
Full details are available in the latest Buy-to-Let Product Guide, and sourcing systems will be updated shortly.
UTB: Residential Second Charge Rate Update
We’re making some important updates to our Residential Second Charge products, which will go-live on Friday 25 September 2026.
Rates have been updated across the whole range and now start from 6.39%, with loans available from £10k to £1m, and up to a maximum of 85% LTV.
Pipeline
All pipeline applications submitted on existing products will continue to be honoured, provided a mortgage offer is issued on or before Monday 2 November 2026.
Further Information
Full details are available in the latest Second Charge Product Guide, and sourcing systems will be updated shortly.
UTB: 90% LTV Second Charge Product Withdrawal
We would like to inform you that as of Friday 18th September, our 90% LTV Residential Second Charge products will be withdrawn.
Brokers wishing to secure a 90% LTV product should ensure applications are submitted before withdrawal.
Pipeline Applications
Any application submitted on a 90% LTV product prior to withdrawal will continue to be processed and the product honoured, provided:
- The application is fully submitted before product withdrawal.
- A formal mortgage offer is issued on or before 15 October 2026
Applications not offered by 15 October 2026 may be required to move onto the prevailing product range.