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 Announces Second Charge Product Changes
We will be updating rates across our second charge pricing plans, with the refreshed range going live on Wednesday 3rd June. These updates apply to the 85% LTV range, and as part of this change, 90% LTV will be withdrawn for the time being. The product fee for loans under £125k will also be set at £995.
Second Charge Products
Super Prime:
- 2yr Fixed Rate ERC – 5.89%
- 3yr Fixed Rate ERC – 5.79%
- 5yr Fixed Rate ERC – 5.39%
- 5yr Fixed Rate, No ERC – 6.35%
Prime Plus:
- 2yr Fixed Rate ERC – 6.49%
- 3yr Fixed Rate ERC – 6.39%
- 5yr Fixed Rate ERC – 5.74%
- 5yr Fixed Rate, No ERC – 6.40%
Prime:
- 2yr Fixed Rate ERC – 7.49%
- 3yr Fixed Rate ERC – 7.39%
- 5yr Fixed Rate ERC – 6.34%
- 5yr Fixed Rate, No ERC – 7.00%
Near Prime:
- 2yr Fixed Rate ERC – 8.79%
- 3yr Fixed Rate ERC – 8.69%
- 5yr Fixed Rate ERC – 7.49%
- 5yr Fixed Rate, No ERC – 7.85%
Fees:
- Product fee for loans under £125k are set at £995
- All other fees remain unchanged
Full details are available in our Second Charge Product Guide. You can download the latest version below, and sourcing systems will be updated shortly.
All pipeline applications submitted on existing products will continue to be honoured, provided an offer is issued on or before Wednesday 15th July 2026.