Your round-up of mortgage rate changes and product updates over the past week
If you’re trying to keep up with the constant stream of lender changes, you’re in the right place. This is your broker-friendly snapshot of what’s moved over the past week—what’s gone up, what’s come down, and which moves were limited to certain products, terms, or LTVs.
Mortgage Introducer keeps a close eye on reprices, new product launches and withdrawals, plus any lending criteria changes that are genuinely worth having on your radar—so you can scan the headlines fast and get back to advising clients.
Updates are listed alphabetically to make it easy to jump straight to the lenders you care about.
Here’s your weekly round-up of UK mortgage rate and product changes from the past seven days:
Atom bank reduced rates across its entire Prime mortgage range by 15 basis points (bps), with two-year fixed rates now starting at 5.29% at up to 85% LTV with a £900 fee; the cuts cover all products up to 95% LTV across both fee-charging and fee-free options.
Barclays cut mortgage rates across its residential range, reducing two-, three- and five-year fixed products and tracker rates, with reductions of up to 33bps — the sharpest among five-year fixes, where the 60% LTV product with a £899 fee fell from 4.76% to 4.43% — while simultaneously withdrawing its 3.96% two-year tracker best-buy.
BuildLoan launched its commercial finance proposition to intermediaries nationwide following the completion of a successful pilot in Q1 2025, with the offering covering owner-occupied premises, investment assets and mixed-use properties, and designed to complement the firm's existing development finance, bridging, renovation mortgage and self-build capabilities.
Castle Trust Bank made rate cuts across its bridging and buy-to-let mortgage ranges, with Light Refurbishment Bridging reduced to 0.70% per month across all LTV bands, Heavy Refurbishment Bridging cut to 0.99% per month, and TermTen Buy to Let standard rates now available from 5.69% up to 70% LTV.
Clydesdale Bank implemented reductions of up to 12bps on selected two- and five-year fixed-rate residential product transfer mortgages, with end dates on the affected products also moving to 30 September of the relevant year.
Fleet Mortgages cut rates across a range of its two- and five-year 75% LTV fixed-rate buy-to-let products, reducing two-year HMO/MUFB rates by 20bps — from 4.79% to 4.59% for standard and 4.69% to 4.49% for EPC 'A' to 'C' — and trimming five-year fixed rates by 10bps across standard, limited company, and HMO/MUFB products, with all affected products carrying a 3% fee and a £750 minimum.
Foundation relaunched its enhanced Property Plus buy-to-let proposition, offering specialist lending for non-standard property types including flats above commercial premises, with a new limited-edition S2 5-year fixed rate at 6.59% (75% LTV, 1% fee, free valuation, no application fee), alongside standard two- and five-year fixes at 6.39% and 6.49% respectively.
Gatehouse Bank introduced limited-edition two- and five-year Home Purchase Plan (HPP) and buy-to-let products for new UK resident customers, cutting starting rates by up to 0.66% on HPP and up to 0.51% on BTL products across all finance-to-value bands, while also reducing rates by up to 0.14% on selected two-year BTL products for UK expats and international residents.
Gen H cut rates by up to 20bps across its high LTV mortgage range, with two- and three-year fixes at 95% LTV reduced by 20bps and equivalent products at 90% and 85% LTV cut by 10bps.
Keystone Property Finance reduced rates by 15bps across its buy-to-let fixed product ranges, with two- and five-year fixed rates now starting from 3.29% at 70% LTV on its Standard range, and also expanded its HMO and multi-unit criteria to permit a maximum of 20 occupants or units, up from 15.
Landbay made rate reductions of up to 20bps across its core and specialist mortgage ranges, with Core five-year fixed-rate 75% LTV products now available from 4.74% and two-year fixed rates from 3.99%, while Specialist HMO/MUFB equivalents fell by 10bps to 5.44% and 4.34% respectively.
London Credit trimmed its semi-commercial bridging rates by up to 8bps across its product range, reducing its maximum 70% LTV monthly rate from 1% to 0.92%, with pricing now starting from 0.80% per month.
Market Harborough Building Society launched a guaranteed service commitment for its core bridging finance range, promising a decision in principle within four working hours and a formal offer within five working days of application, with a £500 charitable donation to the broker's chosen charity if either deadline is missed.
Molo slashed rates across its UK resident BTL and semi-commercial ranges, with reductions of up to 30bps, bringing standard two-year fixed rates down to 2.95% at 75% LTV and five-year fixes to 4.65%, while semi-commercial five-year fixed rates fell to 6.25% and a new two-year fixed product launched at 5.65%.
Nationwide implemented rate cuts of up to 28bps across its two-, three-, five-, and 10-year fixed mortgage range, bringing its lowest available rate to 4.29%, with reductions covering first-time buyers up to 95% LTV, remortgage customers up to 90% LTV, and home movers, including a no-fee two-year fix at 60% LTV for remortgage at 4.83% and a no-fee five-year fix at 90% LTV for first-time buyers at 4.89%.
Rely launched a limited-edition buy-to-let range for non-portfolio landlords covering HMOs and non-HMOs at 55% and 65% LTV, with two-year fixed rates from 3.51% and five-year fixed rates from 4.58%, available for both purchase and remortgage; the lender also cut its minimum buy-to-let loan size to £25,001 across its ranges.
The Mortgage Lender launched a range of limited-edition buy-to-let products and cut rates by up to 15bps across its fixed-rate range, with two-year fixed rates starting from 3.79% and available with either a 5% completion fee or fixed completion fee options, also reducing rates on two-year and five-year fixed products including HMO and multi-loan offerings.
The Mortgage Works dropped rates by up to 26bps on selected two-, three-, and five-year fixed-rate buy-to-let and limited company buy-to-let products for new and existing customers, with reductions including a two-year fixed remortgage rate lowered to 3.49% and a limited company two-year fixed rate dropped to 4.98% with a £3,995 fee at up to 75% LTV.
Vida Homeloans expanded its buy-to-let criteria to accept Special Purpose Vehicle applications where the applicant company is a subsidiary of a parent company, permitting a maximum of two company layers, requiring matching directors across both entities who collectively hold at least 75% of parent company shares, and mandating that all directors and shareholders be named on the mortgage application.
Zephyr Homeloans cut its fixed rates by 15bps across its entire range, with two-year fixed rates now starting from 2.99% and five-year fixed rates from 4.69%, available across its buy-to-let mortgage products with product fee options ranging from 0% to 7%.
Are you a mortgage lender whose product and rate changes weren’t included in this round-up? Email the author to have your latest product updates included.
