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 Residential Mortgages | Rates Reduced by up to 100bps & 90-95% LTV Products Now Available
We are delighted to announce that, from Tuesday 7 July 2026, we are reducing rates across our Residential Mortgage range by up to 100bps and launching new 90% and 95% LTV products for Super Prime and Prime Plus borrowers.
Rates now start from just 5.24%, giving brokers even more opportunities to support customers with smaller deposits and first-time buyers.
Key Highlights
- Rates reduced by up to 100bps across selected residential mortgage products.
- Rates now starting from 5.24%.
- 90% and 95% LTV products available on Super Prime and Prime Plus.
- Maximum loan sizes up to £750,000 at 90% LTV and £500,000 at 95% LTV
A summary of the updated pricing is outlined below, with full details available in our Residential Product Guide.
Super Prime
- 2 Year Fixed rates from 5.24%
- 3 Year Fixed rates from 5.39%
- 5 Year Fixed rates from 5.39%
Prime Plus
- 2 Year Fixed rates from 5.44%
- 3 Year Fixed rates from 5.59%
- 5 Year Fixed rates from 5.59%
Prime
- 2 Year Fixed rates from 6.09%
- 3 Year Fixed rates from 6.04%
- 5 Year Fixed rates from 6.44%
Near Prime
- 2 Year Fixed rates from 6.40%
- 3 Year Fixed rates from 6.35%
- 5 Year Fixed rates from 6.40%
Specialist
- 2 Year Fixed rates from 6.60%
- 3 Year Fixed rates from 6.55%
- 5 Year Fixed rates from 6.60%
Pipeline Applications
All pipeline applications submitted on existing products will continue to be honoured, provided an offer is issued on or before Monday 24 August 2026.