This gives the following initial pay rates:
Stepped Light - 5.15%, self cert available up to 90%
Stepped Maxi - from 6.01%
Light Adverse - from 4.96%
Medium Adverse - from 5.01%
Heavy Adverse - from 5.16%
Heavy Adverse 90% at 7.36%
Right-to-buy from 6.16%
Buy-to-let from 5.36% with no need to prove rental income
