United Trust Bank (UTB) Mortgages has strengthened its residential mortgage proposition with rate reductions of up to 100 basis points across selected products and the launch of new 90% and 95% loan-to-value (LTV) mortgages for Super Prime and Prime Plus borrowers.
The changes, effective from 8th July 2026, form part of UTB's ongoing investment in its specialist residential offering, providing brokers with more competitive solutions for customers with smaller deposits, including first-time buyers, whilst maintaining the flexibility and individual underwriting approach for which the Bank is known.
Residential mortgage rates now start from just 5.24%, with new lending available up to 95% LTV and maximum loan sizes of £500,000. Products are also available up to 90% LTV with maximum loan sizes of £750,000, giving brokers greater choice when supporting customers with a wide range of borrowing needs.
Key changes include:
- Residential mortgage rates reduced by up to 100 basis points
- Rates now start from 5.24%
- New 90% and 95% LTV products for Super Prime and Prime Plus borrowers
- Maximum loan sizes of £750,000 at 90% LTV and £500,000 at 95% LTV
Revised pricing includes:
Super Prime
- 2 Year Fixed rates from 5.24%
- 3 Year Fixed rates from 5.39%
- 5 Year Fixed rates from 5.39%
Prime Plus
- 2 Year Fixed rates from 5.44%
- 3 Year Fixed rates from 5.59%
- 5 Year Fixed rates from 5.59%
In addition, revised pricing has been introduced across several Prime, Near Prime and Specialist residential mortgage products.
Andrew Ferguson, Commercial Director - Mortgages, BTL & Bridging at United Trust Bank, said: "The specialist residential market continues to evolve and brokers need lenders able to combine competitive pricing with the flexibility to support customers whose circumstances don't always fit standard lending criteria.
“These latest changes reinforce our commitment to helping brokers place more business with UTB. Alongside significantly reduced rates, we've introduced higher LTV products to help customers with smaller deposits access home ownership whilst continuing to provide the relationship-led service and pragmatic underwriting our broker partners value.
“This is another important step in the ongoing development of our residential proposition and forms part of our wider programme of investment across Mortgages, Buy-to-Let, Bridging and Second Charge lending."
