United Trust Bank has announced substantial rate reductions across its second charge mortgage range, making its specialist lending products even more competitive. These changes are designed to support better borrowers needing additional funds or financing for complex property scenarios.
Whether you’re exploring a second-charge mortgage or other specialist solutions, United Trust Bank’s refreshed offerings offer greater affordability and flexibility, helping clients meet their financial goals with confidence.
Known for tailored lending and dedicated service, United Trust Bank remains a trusted choice for intermediaries and clients alike.
The UTB Mortgages for Intermediaries team confirms that these significant rate changes apply across the full Second Charge product suite and are effective immediately. Learn more in our Second Charge Mortgage Guide for brokers.
United Trust Bank Product Range
| Product range | LTV bands & max rate reduction (plans) | Max loan size | Previous adverse (accepted) | Mortgage arrears (last 12m) | Unusual properties (accepted) |
|---|---|---|---|---|---|
| Prime, 0-Status Products | 75% LTV: up to 0.45% reduction (2, 3, 5yr fixed) 80% LTV: up to 1.00% reduction (BoE Tracker, 2, 3, 5yr fixed) |
Max £500k | Unlimited unsecured missed payments if now up-to-date; up to £5k of Defaults/CCJs >2 years ago | 0 | Steel-frame, timber-frame, concrete, listed, ex-local, high-rise flats, maisonettes |
| Near Prime, 1-Status Products | 65% LTV: up to 1.25% reduction (2, 3, 5yr fixed) 70% LTV: up to 1.30% reduction (2, 3, 5yr fixed) 75% LTV: up to 1.60% reduction (2, 3, 5yr fixed) 80% LTV: up to 0.50% reduction (2, 3, 5yr fixed) |
Max £500k to 70% LTV; Max £250k to 75% LTV; Max £125k to 80% LTV |
Unlimited unsecured missed payments if being consolidated; max 1 Default/CCJ with unlimited amount in last 2 years, and unlimited amount/number >2 years ago | Up to 1 | Steel-frame, timber-frame, concrete, listed, ex-local, high-rise flats, maisonettes |
| Near Prime, 2-Status Products | 65% LTV: up to 1.50% reduction (2, 3, 5yr fixed) 70% LTV: up to 2.00% reduction (2, 3, 5yr fixed) 75% LTV: up to 2.30% reduction (2, 3, 5yr fixed) 80% LTV: up to 1.40% reduction (2, 3, 5yr fixed) |
Max £500k to 70% LTV; Max £250k to 75% LTV; Max £125k to 80% LTV |
Unlimited unsecured missed payments if being consolidated; max 2 Defaults/CCJs with unlimited amount in last 2 years, and unlimited amount/number >2 years ago | Up to 2 | Steel-frame, timber-frame, concrete, listed, ex-local, high-rise flats, maisonettes |
Explore our latest Second Charge Product Guides below, updated for clarity, relevance, and tailored business support:
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Standard Second Charge Product Guide – A complete reference for our standard second charge mortgage products, including key features, lending criteria, and terms designed to support a wide range of client needs.
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Packager & Distributor Second Charge Product Guide – Specifically created for packagers and distributors, this guide outlines tailored second-charge solutions, distribution pathways, and the benefits of partnering with a specialist second-charge packager for brokers.
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