New products aim to support brokers with specialist clients and broaden options for high-LTV borrowers
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Specialist lender United Trust Bank (UTB) has introduced a range of 90% loan-to-value (LTV) two-, three-, and five-year fixed rate mortgage products, expanding its specialist mortgage offerings to kick off 2025.
The new products are aimed at first-time buyers, home movers, and those looking to remortgage, particularly customers who may not meet mainstream lending criteria due to their circumstances or property type.
The 90% LTV mortgages are available for terms of up to 40 years and can accommodate borrowers who will be up to 85 years old at the end of the term. The products also feature flexible criteria, catering to those with complex or self-employed income, as well as customers with impaired credit histories.
In addition, the offering supports a wide range of property types, including non-standard constructions, high-rise apartments, and properties near commercial buildings.
The introduction of the new 90% LTV products marks the first in a series of product and criteria enhancements under the bank’s “Get January Jumping” campaign, with further updates expected in the coming weeks.
Buster Tolfree (pictured), director of mortgages at United Trust Bank, said the new offering addresses challenges brokers face when placing higher-LTV deals for clients with specialist needs.
“We know how difficult it is for brokers to place higher LTV deals for their specialist customers, so we think this new set of 90% products will help them get 2025 off to a great start,” Tolfree said.
“Even better is that this is just the first of a series of enhancements we’re making in January to make it even easier for brokers to recommend UTB mortgages to their customers.”
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