EXCLUSIVE UPDATE | Arrangement Fees Waived on Qualifying Cases
We’re pleased to share a limited-time semi-exclusive opportunity available to Connect Network members with Allica Bank. For qualifying new lending applications submitted between now and 30 September 2026, Allica Bank will waive arrangement fees across selected larger loan applications: Owner-Occupied Loans – £750,000+ Commercial & Semi-Commercial Investment Loans – £750,000+ Specialist Buy-to-Let Loans – £1.5m+ […]
Why local market insight matters more than ever
The latest Q2 2026 Pegasus Insight Landlord Trends report, produced with Foundation, shows that while the buy to let sector remains resilient, regional market differences are increasingly shaping landlord behaviour. Nationally, 86% of landlords report making a profit and average rental yields stand at 6.4%. However, performance varies significantly by region, with notable differences in […]
When to use Refurbishment Buy-to-Let
Our refurbishment buy-to-let range offers an alternative way to fund the purchase and refurbishment of a property. The range can be used for non-structural and modernisation works which can be signed-off under the Competent Persons Scheme, without the need for building controls sign-off. The project might typically include: Replacement Bathrooms Replacement Kitchen Full rewiring Garage […]
Case Scenario: First-Time Buyer JBSP at 100% LTV
Following our recent launch, here’s an example of the type of customer we may be able to help, subject to meeting our lending criteria and affordability requirements. Customer Two first-time buyers looking to purchase a home for £300,000 Launched their own business in the last two years, leaving them with limited usable income Have invested […]
Less Admin, Greater Deposit Flexibility and Longer Terms
We’re making it even easier for brokers to place Buy to Let business with criteria enhancements designed to reduce administration and provide greater flexibility for landlords. What’s Changed? Income Evidence Previous: Mandatory for all applications. New: No income evidence required. Gifted Deposits Previous: Accepted from immediate family only. New: Accepted from a wider range of eligible family members, including […]
BACK-TO-BASICS: Landlord types
Landlord experience and ownership structure can shape how a case is assessed. Some are buying their first investment property, while others have built substantial portfolios over many years. That’s why understanding landlord type is one of the basics of placing the right case. We support a broad range of borrowers, including: First-time buyers First-time landlords […]
Must see ‘unmortgageable’ properties research revealed for brokers
1.5m UK home overlooked by mainstream lenders Get the insights The hidden opportunity in overlooked homes Over 1.5 million unmortgageable homes across the UK Post-war non-standard properties in Birmingham alone ~£300bn Equity value trapped in unmortgageable home Our report reveals the scale of opportunity and how brokers can help unlock £300bn of trapped equity. Funding […]
Enhancements to our Foreign Currency Mortgage Offering
We’ve had a recent enhancement to our criteria which I’d really appreciate if you were able to share with the adviser base please? It involves how we assess foreign income and with it being repriced. As we continue to develop our offering so your clients have more options with us, we’re pleased to share changes […]
We’ve enhanced our residential lending criteria
We’re committed to making it easier for you to place business with us. Following your feedback, we’ve made some changes to our policy for customers who are employed on fixed term contracts. Changes to fixed term contracts Applicants on a fixed term contract who fall into one of the categories below will now be assessed […]
Rates down. Now from 3.51%
Rates are down across selected products: 1, 2 and 5-year fixed in our small landlord range, every limited edition, and 2-year fixed in our medium and large landlord ranges. The reductions apply across both single family let and complex property products. Highlights 1-year fixed, 75% LTV, 3% fee – 3.83% 2-year fixed, 55% LTV, 5% fee […]