We’re withdrawing our 95% LTV residential mortgage products from 6pm today, Tuesday 6 April 2021.

We were pleased to be able to offer these products for a limited period, so we could monitor volumes and any impact to our service levels. We’ll now review the findings and aim to return to 95% LTV lending as soon as possible.

We’ll process any pipeline applications as usual. If you want to secure one of these products for your client, the latest you can submit a decision in principle (DIP) is 6pm Tuesday, 6 April 2021.

DIPs will remain valid for 30 days and this will need to be submitted to full application for a DIP accept within this time. If you need to resubmit a DIP, you'll need to select a new product from the range that's available at the time of submission.

We continue to offer our 85% and 90% LTV product for purchase and remortgage with £999 fee:

• 90% LTV - 2 year fixed 4.78%
• 90% LTV - 5 year fixed 4.98%

• 85% LTV - 2 year fixed 4.08%
• 85% LTV - 5 year fixed 4.28%

See our full residential mortgage range here.

We’ve launched a new product switch range and simple switching process for your buy to let clients originated via our Commercial Mortgages broker portal.

Helping you to support your company landlord clients and those with more complex buy to let properties when they come to the end of their initial rate.

You’ll have access to great rates and fee free deals for your clients.

You can product switch your clients up to 3 months before their current mortgage deal comes to an end in 3 simple steps by contacting our Product switch team.  Please note, these rates aren’t available in our product switch portal.

We'll also get in touch with your clients when they're eligible to switch, so they can review their choice of rates with you.

Good for your clients:

                            Great rates - a choice of product switch rates. Take a look at our dedicated range.

                            Hassle free - no new credit or affordability checks

                            Fee free - no valuation, solicitor or product fees

                            Early switches - switch up to 3 months before a current deal ends with no early repayment charges to pay

Good for you:

                            Great rewards - 0.30% procuration fee for every switch

                            Straight forward switching – switch existing clients in a three quick and easy steps

Customer eligibility criteria apply. We'll use your client’s original valuation along with their existing balance to confirm their product switch rates.

See our new specialist buy to let range here.

We’ve launched 95% LTV lending for residential owner-occupied purchases and reduced our rates on 85% and 90% LTV from today, 25 March 2021.

We’re here to support your first time buyers, home movers and self-employed clients looking for a 5% deposit mortgage.

These products are also available on flats (excluding ex local authority) and new build properties, helping even more people buy their dream home.

NEW 95% LTV for purchase only:

• 2 year fixed 5.08% (£999 fee)
• 5 year fixed 5.28% (£999 fee)

Please note: This product isn’t part of the government’s mortgage guarantee scheme.

90% LTV for purchase and remortgage:

• 2 year fixed 4.78% (£999 fee)
• 5 year fixed 4.98% (£999 fee)

85% LTV for purchase and remortgage:

• 2 year fixed 4.08% (£999 fee)
• 5 year fixed 4.28% (£999 fee)

We’re expecting high demand for our 95% LTV products, so we’ll keep them in market for a limited period. We know our turnaround times are important to you, so we’ll monitor any impact on service levels and keep you updated on any changes on our website, helping you manage your clients' expectations.

There’s never been a better time to product switch your existing Aldermore clients’ mortgages.

Our new switch rates are some of the lowest we’ve ever offered for our residential and buy to let range, see our full range here.

And we’ve made it even faster and easier with our new 6 step online switching process, watch our step by step guide here.

• Best rates – our new switch rates are some of the lowest yet for buy to let and residential range (See full range here.)
• Easiest process – switching takes just six simple steps when you use our online portal
• NEW Latest valuations – we now use computer-based valuations to confirm LTV
• Fast comparisons – our rates will be available on all major sourcing systems in the next few days

0.30% procuration fee for you

Plus you still receive a procuration fee of 0.30% for every switch and our team’s here to help whenever you need it.

Clients coming to the end of their current deal?
We’ll write to your clients up to 3 months before their current deal ends so they can get in touch with you. 

Want to know more?

If there’s anything else we can help with, just get in touch with your BDM or click here to find out more.

Great news! We've improved our residential broker portal. It's now quicker and easier for you to product switch your existing owner occupied and individual buy to let clients.

We've made a quick step by step video to help guide you through the process.

Find out more on our dedicated Smarter switching page.

Ready to switch?

Log in to the broker portal to start switching. Or contact the Product Switch team on 01625 469 730*, alternatively email product.switch@aldermore.co.uk.

Following our 3 month review LIBOR has been set at 0.10% (increased by 0.05%).

We will write to all existing customers impacted to confirm their new interest rate and monthly payment amount.

The next LIBOR review will take place on 15 May 2021.

 We’re making some important changes to our residential portal, so it won’t be available this weekend between 6pm on Friday 12 February and 10pm  on Sunday 14  February. We apologise for any inconvenience this may cause.

 We’re making some important changes to our residential portal, so it won’t be available this weekend between 10pm on Friday 5 February and 10pm  on Sunday 7 February. We apologise for any inconvenience this may cause.

We’ve made some changes to our residential and commercial mortgage application process.
These changes will help us improve the way we review and process applications, so we can make quicker and better informed decisions for you and your clients.
When you submit a new application, we’ll now ask you to upload the documents we need to the portal at this new pre-full mortgage application (FMA) stage.
It’s really important that nothing is missed, as we won't start assessing your case until we have everything asked for on the checklist.
Applications will stay open for 7 working days, giving you time to upload the documents. If we receive an application without all requested documents or after the 7 day deadline, the case will be closed and you'll need to resubmit the application.
When we have everything we need, the status of your application will change to 'FMA Submitted' and will be in our pipeline to be reviewed by an underwriter.
We'll let you know if there's any further documentation we need once we've reviewed your case.
We can also now give portal access to your admin assistants, to help in uploading documentation. All you need to do is complete our admin request form and send it back to us, we’ll then complete all necessary checks and set up access.

We’ve created a short video to help explain the changes in detail and updated our submission guidelines for residential and buy to let applications.

We're pleased to let you know about the changes we've made to our buy to let mortgage range effective from today.

Launch of 2 year fixed products to 75% LTV - purchase and remortgage (1.50% product fee)*

Single residential investment properties

• 2 year fixed rate at 3.38% for individual & company landlords 

Multi property applications for single residential investment properties 

• 2 year fixed rate at 3.18% for individual & company landlords

Reverting to 4.58 % (AMR + 0.00%) at 70% LTV

Reverting to 5.08% (AMR + 0.50%) at 75% LTV

We are also pleased to announce the return of capital raising for further property purchase up to 70% LTV.

Our standard packaging requirements for buy to let business can be found here.

To help speed up your application, be sure to upload the required documents immediately at Pre FMA stage, as failure to do so will result in the case expiring in 7 working days.

*Fee can be added to the loan.

For more information on our full buy to let range click here . We’ve also updated our broker Q&As here.

We're to let you know that effective from 14 December, we've relaunched our commercial and buy to let ranges with new alternative reference rates as follows:

Commercial mortgages - Bank of England Base Rate (BBR)

Buy to let mortgages - Aldermore managed rate (AMR)

For full details of our current range, please see our updated guides

We've relaunched our Help to Buy: equity loan scheme, helping your first time buyers get on the property ladder effective today 14 December.

We're committed to supporting you and your clients and this range has been reintroduced to coincide with the recent government scheme changes.

We're pleased to confirm that we've launched the following new products:

Help to Buy: equity loan - 75% purchase only (£999 product fee)

• 2 year fixed rate at 4.08%
• 5 year fixed rate at 4.18%

Reverting to 4.58% (AMR + 0.00%)

For full details of our current range, please see our residential mortgage guide.

We’re making important updates to our systems, so please don’t try to access the portals at the moment.

We’re sorry about this and we should be back up and running soon.

With effect from Monday 14 December we'll be relaunching our commercial and buy to let mortgage ranges. You'll notice that LIBOR is being replaced by two new alternative reference rates.

• Commercial mortgages - will be linked to Bank of England Base Rate
• Buy to let mortgages (previously linked to LIBOR) - will be linked to Aldermore Managed Rate (AMR)

Pipeline cases:
We’ll continue to process any live pipeline cases as usual. If you have an active case or enquiry that has not yet been offered we will contact you during the underwriting process to advise you of the new comparable AMR/BBR linked rates to replace any LIBOR linked product you have currently selected. 

For Buy to let mortgages if any offer extensions are required your reoffer will be made on a new comparable AMR linked product. 

Current commercial mortgage offers linked to LIBOR remain valid providing completion occurs within the validity period of the offer or if re-offered by 12 March 2021 at the latest.

Any mortgages completed on LIBOR linked products will later be migrated onto a comparable reference rate before 31 May 2021 (as per FCA guidelines).

Any new applications submitted from Monday 14 December will be based on the new AMR/BBR linked ranges. 

We wanted to share our opening times over the festive break. We’ve given all colleagues an extra day off to thank them for their hard work this year, so we won’t be open on Christmas Eve.

• 21-23 December – 9am-5pm
• 24-28 December – Closed
• 29 – 31 December – 9am-5pm
• 1 January – Closed

Wishing you all a well-deserved festive break.

Thank you for your support this year and we look forward to working with you in 2021.

As of 1  December 2020, we’ve made some changes to our valuations policy.

Our minimum leasehold remaining term is increasing from 60 years to 85 years at application.

In addition, we have updated our policy to include the acceptance of properties built using modern methods of construction, provided the property has BOPAS approval and either NHBC or BLP warranties.

We want to make it easy for brokers and customers to do business with us and making these changes will help to improve our approach in assessing the suitability of security for mortgage purposes.

We're pleased to let you know about the changes we've made to our residential mortgage range effective from today, Tuesday 1 December 2020.

Following last month's successful 90% LTV trial, we've now reintroduced this product back into market.

High LTV - 90% purchase and remortgage (£999 product fee)*

• 2 year fixed rate at 5.18%
• 5 year fixed rate at 5.38%

Reverting to 5.08% (AMR + 0.50%)

See our updated residential mortgage guide for full details on our range.

*Fee can be added to the loan

Following our 3 month review LIBOR has been set at 0.05% (decreased from 0.10%).

This means that LIBOR linked rates on our commercial mortgage range, which includes term variable rates and reversion rates on fixed products,  and on our buy to let range, for companies, multi-unit freehold and HMO properties, have been decreased by 0.05%. 

We will write to all existing customers impacted to confirm their new interest rate and monthly payment amount.

The next LIBOR review will take place on 15 February 2021.

Please see our buy to let mortgages guide and our Commercial Mortgages Product Guide for more details on our current rates.

We've seen a lot of interest in our 90% LTV product since launching it earlier this week. Supporting this area of the market, and in particular first time buyers, is really important to us. We still need to balance this with maintaining new and pipeline service levels, as well as focusing on our existing customers.We continue to offer our 85% LTV product but we'll be withdrawing the 90% LTV product range as follows:

High LTV - 90% purchase and remortgage (£999 product fee)

2 year fixed rate at 5.18%

5 year fixed rate at 5.38%

We’ll still process any pipeline applications as usual. If you want to secure one of these products for your client, the latest you can submit to us for a decision in principle (DIP) is 6pm tonight.

DIPs will remain valid for 14 days and you'll need to submit a full application for a DIP "accept" within this time period. If you need to resubmit a DIP, you'll need to select a new product from the range that's available at the time of submission. 

We've made  some changes to our residential mortgage range effective from today, 03 November 2020. 

We're pleased to confirm that we've launched the following new products:

High LTV - 90% purchase and remortgage (£999 product fee)

2 year fixed rate at 5.18%

5 year fixed rate at 5.38%

Reverting to 5.08% (AMR + 0.50%)

For full details of our current range, please see our residential mortgage guide.

We wanted to let you know about the changes we've made to our residential mortgage range effective from today.

Here's a summary of the changes:

Standard mortgage range level 1 purchase and remortgage (£999 product fee):

• 2 year fixed up to 75% LTV at 3.48%
• 2 year fixed up to 80% LTV at 3.78%
• 5 year fixed up to 75% LTV at 3.68%
• 5 year fixed up to 80% LTV at 3.98%

Reverting to 4.58% (AMR + 0.00%)

High LTV mortgage range level 1 purchase and remortgage (£999 product fee):
• 2 year fixed 85% LTV at 4.38%
• 5 year fixed 85% LTV at 4.58%

Reverting to 5.08% (AMR + 0.50%)

For more details on our full range, see our updated mortgage guides.

Over the last few months, we’ve been focusing on helping our most in need customers and supporting our brokers. As the market shows signs of recovery, we're now seeing increased demand for new mortgage business.

We’ve taken the decision to make some changes to our residential and buy to let mortgages so that we can manage new business through in the best way.

The following products will no longer be available from today, Tuesday 29 September at 6pm:

Residential owner occupied:

• Standard mortgage range level 1 (up to 80% LTV) - 2 and 5 year fixed rates
• High LTV mortgage range (up to 85% LTV) - 2 and 5 year fixed rates 

Buy to let:

• 2 year fixed rates with a 1.50% fee

We’ll still process any pipeline applications as usual. If you want to secure one of these products for your client, the latest you can submit to us for a decision in principle (DIP) is Tuesday 29 September at 6pm.

DIPs will remain valid for 14 days and you'll need to submit a full application for a DIP "accept" within this time period. If you need to resubmit a DIP, you'll need to select a new product from the range that's available at the time of submission.

We continue to support our individual and company buy to let landlords by offering 5 year fixed rate products up to 75% LTV with a 1.5% fee. We'll be launch our new standard level 1 and high LTV range on Wednesday 30 September.

Our mortgage guides will be updated with the changes on 30 September. 

Following our 3 month review LIBOR has been set at 0.10% (decreased from 0.30%).

This means that LIBOR linked rates on our commercial mortgage range, which includes term variable rates and reversion rates on fixed products,  and on our buy to let range, for companies, multi-unit freehold and HMO properties, have been decreased by 0.20%. 

We will write to all existing customers impacted to confirm their new interest rate and monthly payment amount.

The next LIBOR review will take place on 15 November 2020.

We’ve taken the decision to streamline our mortgage range so we can continue to process new applications and support our existing customers.

We continue to support our individual and company buy to let landlords by offering 2 and 5 year fixed rate products up to 75% LTV with a 1.5% fee.

See our updated buy to let mortgage guide for our current range.

It’s still a challenging time for all of us but the good news is that the mortgage market is starting to show signs of recovery. Over the last few months we’ve been focusing on helping our most in need customers. Now that we’re seeing more of a demand for new business across our mortgage range, it’s having an impact on the service that we’re able to offer you right now. To help make the application process run smoothly for residential and buy to let mortgages, we've provided some guidance below.

Packaging a case

To speed up our ability to issue a mortgage offer to your client, you’ll need to upload all required documentation straightaway so the underwriter can review this as part of the application assessment.

If there are outstanding checklist items, this is likely to result in further delay and it is essential that you supply these prior to the valuation report date.

Specialist buy to let applications submitted through the Commercial portal will not be passed to an underwriter unless they meet all of our submission requirements.

Read submission guides.

  Applications

We’re assessing applications and all other documentation within 8 working days if we have everything we need from you. You can check the status of your case in the broker portal at any time. 

Valuations         

Physical valuations have now re-commenced across England, Scotland and Wales where they meet the strict safety requirements.

It’s taking longer than normal to get hold of your client or agent to book in a valuation.

As soon as the valuation assessment is back, we’ll be touch with you to discuss the outcome of the report.

Getting in touch

Our broker enquiry line is really busy with wait times up to an hour. If you are able to avoid our busiest periods between 12pm and 2pm and after 5pm daily, you shouldn't need to wait as long. You can also email us at mortgage.sales@aldermore.co.uk and we'll get back to you within 24 hours. 

For more information please read our Broker Q&As.

We wanted to share some of the latest improvements we've made to our commercial portal. For the types of business you can submit via our commercial portal view our buy to let and commercial guides.
 
These improvements should make it easier for you to do business with us.

• We’ve increased the number of properties that can be keyed on a single application from 16 to 30 - saving you admin time and letting us process it more quickly.
• Our commercial portal will now capture mortgage terms in years and months - making it easier for you when processing applications.
• For buy to let properties valued up to £1m, we'll now be collecting a valuation fee at the same time as you submit an application. This does not apply to commercial loans.

If you have any further questions, please get in touch with your local contact who’d be happy to help.

 Following Government instruction in March, all physical mortgage valuations were put on hold.

Now with updated Government guidance, we’re able to resume physical mortgage valuations for properties where social distancing can be maintained. Physical mortgage valuations in England can now be booked for residential properties which meet the safety requirements. 

The safety of surveyors and occupants must be maintained at all times and there are clear guidelines on how to carry out safe valuations. If these safety standards are not met, the valuation will be stopped and cancelled. Customers will not be refunded if the valuer has started their inspection.

Valuation booking process:

• Upon our surveyors making contact, a series of questions and checks will be undertaken during the booking process to ensure the property and occupants are suitable
• If any occupant is unwell, shielding, vulnerable or not happy to adhere to social distancing requirements the valuation will not be booked

Surveyor requirements:

Upon arrival, the surveyor will need to complete a number of checks to ensure social distancing can be maintained before they go ahead with the valuation.

The occupiers will be asked to:

• Open all internal doors pre inspection
• Maximise property ventilation during inspection
• Control or remove pets
• Adhere to a mutual 2 metres social distancing

Unacceptable properties:

• Physical mortgage valuations are still not currently possible in Scotland and Wales due to social distancing restrictions
• Properties where the occupants refuse to adhere to social distancing requirements

For more information on these mortgage valuation changes, please click here 
 
For full details on our current mortgage range, see our residential guide.

This applies to only England at the moment, we'll update you on any changes to valuations in Scotland and Wales when we have more information. However in the meantime, desktop valuations will continue to be undertaken in these areas where criteria is met, for full details see our broker Q&A's.

Following our 3 month review LIBOR has been re set at 0.30% (decreased from 0.80%).

This means that LIBOR linked rates on our commercial mortgage range, which includes term variable rates and reversion rates on fixed products,  and on our buy to let range for companies, have been decreased by 0.50%. 

We will write to all existing customers impacted to confirm their new interest rate and monthly payment amount.

The next LIBOR review will take place on 15 August 2020.

Please see our Buy-to-Let Mortgages Product Guide and our Commercial Mortgages Product Guide for more details on our current rates.

In response to the Bank of England base rate changes on 11 and 19 March 2020, we’ve decreased the Aldermore Managed Rate (AMR) by 0.65% from 5.23% to 4.58% effective from 1 May 2020.

Following the recent changes to our valuation process, we’ve made the decision to streamline our mortgage range from today, Friday 3 April, 2020.

Here’s a summary of our new residential mortgage range:

Standard mortgage range Level 1:

• 2 year fixed up to 75% LTV at 3.18%
• 5 year fixed up to 75% LTV at 3.38%
• 2 year fixed up to 80% LTV at 3.48%
• 5 year fixed up to 80% LTV at 3.68%

High LTV mortgage range Level 1

• 2 year fixed 85% LTV at 4.08%
• 5 year fixed 85% LTV at 4.28%

For more information on our full range view our residential and buy to let mortgages guides.

We're making changes to our residential and buy to let mortgages from tomorrow, Friday 03 April.

Following the recent changes made to our valuation process, we’ve taken the decision to streamline our mortgage range so we can continue to process new applications and support our existing customers.

The following product lines will no longer be available from Friday 03 April:

Residential

• Standard mortgage range Level 2 and 3
• Help to Buy: equity loan and London Help to Buy: scheme Levels 1-3
• 3 year fixed rate products
• Term variable products
• Fee free products
• 90% and 95% LTV products

Buy to let 

• 5 year fixed Limited Edition range
• 80% LTV products
• HMO and multi unit freehold products up to 6 bedrooms/units*

We’ll still process any pipeline applications as usual and our deadline for new applications is 6pm today, Thursday 02 April.

In addition to the changes above, we will temporarily cease accepting both residential and buy to let applications which include capital raising. Any new or existing DIPs not converted to FMA by 6pm this evening will be underwritten under the updated policy.

Our mortgage guides will be updated with the changes on Friday 03 April.  

Following government announcements on 23 March physical mortgage valuations have now been placed on hold.

Surveyors will no longer visit properties to complete mortgage valuations. So we’re replacing physical valuations with remote valuations to help support our customer applications.

Eligibility criteria - remote valuations will be requested on applications that meet the following criteria:

• Owner occupied properties, purchase or remortgage up to 85% maximum LTV
• Buy to let properties, purchase or remortgage up to 75% maximum LTV
• Inside the M25 up to £1m
• Outside the M25 up to £750,000

Exclusions - remote valuations will not be requested on the below applications:

• Any application that doesn’t meet the above criteria will be placed on hold
• Properties adjacent to commercial premises
• Properties in poor/derelict condition
• New Build properties
• HMO/MUF properties
• Properties with more than 2.5 acres
• Leasehold properties with less than 100 years remaining
• Portfolio applications with more than 5 properties in the same block or postcode area

New applications

Applications submitted that meet our criteria will be eligible for a remote valuation. When an application has been submitted we’ll assess and if it meets our criteria we’ll undertake a remote valuation.

If an application is submitted doesn’t meet criteria we’ll let you know and the valuation will be placed on hold.

Pipeline applications

Applications already submitted and awaiting a valuation will be reviewed to identify those eligible.

If the application meets criteria then a remote valuation will be completed. If the application doesn’t meet criteria then the valuation will be placed on hold.

In response to the Bank of England base rate changes on 11 and 19 March 2020, we’re decreasing the Aldermore Managed Rate (AMR) by 0.65% from 5.23% to 4.58%. We’ll be contacting all impacted customers to let them know how this affects their future mortgage payments. We’ll also let our broker network know about these changes.

The Bank of England has made the decision to further decrease the base rate from 0.25% to 0.10%. Following this announcement, we’re reviewing our variable rate mortgages and savings products. Once we’ve made a decision, we’ll update customers and intermediaries on any changes.

We’re reviewing our variable rate mortgages and savings products following the Bank of England’s decision to decrease base rate from 0.75% to 0.25%. Once a decision has been made, we’ll update customers on any changes.

 We’ve changed our rates for buy to let at 80% LTV:

• 2 year fixed rate 3.88%
• 5 year fixed rate 4.28%

View our Product Switch guide for our full range of rates for existing customers.

With effective from 7 November, we’ve introduced a new 5 year fixed remortgage product for your individual and company clients with single residential investment properties.

Up to 75% loan to value (LTV), 3.68% with a  £1,999 product fee.

Plus, there’s no valuation or funds transfer fees and assisted legal fees are available.
So, for clients who want to grow their portfolio this may be a great option and our specialist buy to let team can handle even the most complex cases.

View product guide

We've reduced our rates on our Company BTL remortgage and Company Multi Property purchase and remortgage products, giving your clients even better value if they're looking to expand their portfolio.

Company BTL remortgage only - reduced by 0.3%:

• 75% loan-to-value (LTV), 5 year fixed rate 3.98%
• 80% loan-to-value (LTV), 5 year fixed rate 4.58%

No product, valuation or funds transfer fee

Company BTL Multi Property purchase and remortgage - reduced by 0.3%:

• Up to 75% loan-to-value (LTV), 5 year fixed initial rate 3.78%
• Up to 80% loan-to-value (LTV), 5 year fixed initial rate 4.38%

No product, valuation or funds transfer fee for remortgage applications

No product fee for purchase applications. Valuation fees will apply
Assisted legal fees are available on all remortgages for companies with single residential investment properties.

You can view our latest rates here

We’ve made some changes to our high loan to value rates today.

Our new rates are:

• 90% loan to value (LTV) from 4.68%
• 95% loan to value (LTV) from 4.98%

As a reminder here’s some of the great reasons to use us for your mortgage clients:

• 5.5 LTI ratio: for individuals or joint applicants with a total allowable income of at least £50,000
• Longer Terms: we’ll lend for up to 40 years
• Defaults: we ignore all communication defaults

Take a look at our Residential product guide to see our full range.

You can use our Residential affordability calculator to check how much your client could borrow with us.

Following a 3 month review LIBOR has been set at 0.80% (decreased from 0.85%).

This means LIBOR linked rates (Term Variable rates and reversion rates on Fixed products) on our Commercial Mortgage range and on our Buy-to-Let Mortgages (for companies and multi-unit freehold/HMO properties) have been decreased by 0.05%.

We will write to all existing customers impacted to confirm their new interest rate and monthly payment amount.

The next LIBOR review will take place on 15 November 2019.

Please see our Buy-to-Let Mortgages Product Guide and our Commercial Mortgages Product Guide for more details on our current rates, or log in below to submit business.

Following our 3 month review LIBOR has been set at 0.85% (decreased from 0.90%).

This means LIBOR linked rates (Term Variable rates and reversion rates on Fixed products) on our Commercial Mortgage range and on our Buy-to-Let Mortgages (for companies and multi-unit freehold/HMO properties) have been decreased by 0.05%.

We will write to all existing customers impacted to confirm their new interest rate and monthly payment amount.

The next LIBOR review will take place on 15 August 2019.

Please see our Buy-to-Let Mortgages Product Guide and our Commercial Mortgages Product Guide for more details on our current rates.

When it comes to purchasing land and property for development we know how important cash flow is to your clients. That’s why, as part of our drive to continually support SME housebuilders and developers, we’ve launched VAT Loans – reducing the day one cash flow burden for eligible customers taking out a new Aldermore Development Finance facility.

• VAT Loans are available with immediate effect on purchases of land and property elected for VAT in conjunction with a new Aldermore Property Development Finance facility
• Loan term of 4 months

Speak to a member of our Property Development team for further details. Eligibility criteria and terms apply.

We're changing our policy on Minimum Energy Efficiency Standards

We wanted to let you know that from today Monday 24th June 2019, we have made some important changes to our policy relating to energy efficiency rules for new tenancies on buy to let properties in England and Wales.

In 2018 Minimum Energy Efficiency Standards (MEES) were introduced which made it unlawful to agree new tenancies on properties which do not meet the prescribed energy efficiency ratings.

All residential BTL securities will need to have an Energy Performance Certificate (EPC) of E or higher, unless a valid exemption applies.

We will now retain £2,000 for each buy to let property that falls into any of the below categories;

• Has an EPC of F/G
• Cannot provide evidence to confirm exemption
• Does not confirm what the EPC is

The retained amount of £2,000 will be held for a period of 6 months for existing customers, until the borrower provides a valid EPC or exemption certificate. If your client provides the EPC certificate at the pre-offer/application stage no money will be retained at completion.

Exemptions may include listed buildings and generally older properties.

Our Buy-to-let submission guide and Full Lending Criteria have been updated today to reflect the changes. These will help you make sure you have everything needed when submitting your client’s application with us. 

If you need help with a specific case get in touch with your BDM.

When it comes to purchasing commercial property we know how important cash flow is. That’s why, as part of our drive to continually support SMEs, we offer VAT Loans for commercial property – reducing the day one cash flow burden for customers taking out a new Aldermore Commercial Mortgage. 

• VAT Loans are available on purchases of property elected for VAT in conjunction with a new Aldermore Commercial Mortgage
• VAT Loans available for 100% of the VAT due
• Loan term of 4 months

Speak to a member of our Commercial Mortgage team for further details. Eligibility criteria and terms apply.

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Big changes: our residential range update
This week our residential mortgage range sees some big changes - which will help you offer our products to more of your clients.

We can lend more...

• A Higher LTI ratio: we've increased our loan to income ratio to 5.5 for individuals or joint applicants with a total allowable income of at least £50,000 (or up to 4.5 with the Help to Buy Equity Loan scheme).
• Higher loan amounts: we'll now lend £1m to 80% LTV, and £500,000 to 95% LTV
• Higher LTV limits: we've increased the maximum LTV on our level 3 tier to 80%
• Longer terms: we'll now lend for up to 40 years

...on a wider range of properties

We'll now lend on:

• Studio flats over 30 sqm
• Properties with more land: we've removed our maximum acreage rule
• Flat roof properties: 100% flat roof now allowed
  All subject to valuer's confirmation of marketability
  
  New products and rate changes
  
  We're revising rates on our existing products, and adding:

• 85% LTV purchase-only product
• 3 year fixed 85%, 90% & 95% purchase or remortgage-only products

You can see the full details, including our updated product guide and lending criteria . Alternatively get in touch with your BDM.

We've made it easier for your clients to re-mortgage with some new enhancements to our conveyancing for company landlords:

Company landlords

• Assisted Legal Fees are now available on remortgages – for single residential investment properties already registered in the Company name through our nominated We'll cover the cost of the legal work needed to move the mortgage to Aldermore, including property related disbursements (e.g Land Registry fees) and VAT*.
• Independent Legal Advice via video call – is now available for guarantors where they choose to be represented by Aldermore’s nominated conveyancer, subject to the guarantor(s) being directors or shareholders of the Company. Guarantors can choose to get advice face-to-face in person if they prefer, or make alternative arrangements via a conveyancer of their choice.

*Guarantors will be required to have Independent Legal Advice before signing a personal guarantee, which can be obtained for a fee of £200 (for each guarantor) either via video call or face to face in person where the guarantor(s) are directors or shareholders of the Company and choose to be represented by Aldermore’s nominated conveyancer. ILA will be provided by a different Solicitor within Aldermore’s nominated conveyancer and will be subject to there being no conflict of interest.

Residential owner-occupied and Buy-to-let for Individual landlords

• Free legal fees on remortgages - continue to be available through our nominated conveyancer.  We'll pay for the cost of the legal work to move the mortgage to us. Costs for any additional legal work need to be paid for by your client.

For more information, please view our Buy-to-let and residential legal fee scales or get in touch with your Relationship Manager today.

With effect from today (25.03.19), we've launched some new Buy-to-let products for company landlords with single residential units:

Remortgage only

• 4.28%, 5 year fixed rate up to 75% LTV
• 4.88%, 5 year fixed rate up to 80% LTV

Multi Property Purchase and Remortgage

• 4.08%, 5 year fixed rate up to 75% LTV
• 4.68%, 5 year fixed rate up to 80% LTV  

For remortgage applications, no product, valuation or fund transfer fees.
For purchase applications, no product fee. Valuation fees apply. Company landlord applicants will be responsible for the total legal cost required to undertake the mortgage transaction.

For further information view our Buy-to-let product guide.

As part of our commitment to the intermediary market we aim to provide you with as much notice as we can about product withdrawals.

We will be withdrawing the following Buy-to-let products for company landlords with single residential units:

Remortgage only

• 3.98%, 5 year fixed rate up to 75% LTV
• 4.58%, 5 year fixed rate up to 80% LTV

Multi Property Purchase and Remortgage

• 3.78%, 5 year fixed rate up to 75% LTV
• 4.38%, 5 year fixed rate up to 80% LTV  

To secure one of these rates for your clients, please ensure that you have submitted a Decision In Principle (DIP) by 6pm on Friday 22 March.

Our refreshed Buy-to-let range for company landlords will be communicated to you on Monday 25 March.

For more information, please view our Buy-to-let product guide.

With Buy-to-let remortgage up 25% year on year (December 2018*) we want to help support more of your landlord clients with their portfolio needs. We offer a discount for landlords bringing multiple applications at the same time or existing customers bringing subsequent applications to us.

New Buy-to-let Multi Property products now available:

Individual Landlords with single residential investment properties:

5 year fixed rate, up to 75% LTV from 3.78%

5 year fixed rate, up to 80% LTV from 4.38%

For purchase applications no product fee. Valuation and legal fees apply

For remortgage applications (fee free) no product, valuation, legal or fund transfer fees

Applications from clients trading as individuals must be submitted through our Residential Mortgage Broker portal with reversion rates linked to AMR.

Company Landlords with single residential investment properties:

5 year fixed rate, up to 75% LTV from 3.78%

5 year fixed rate, up to 80% LTV from 4.38%

For purchase applications, no product fee. Valuation fees apply

For remortgage applications, no product, valuation or fund transfer fees

Company landlord applicants will be responsible for the total legal cost required to undertake the mortgage transaction.

Applications from clients trading under a company structure must be submitted through our Commercial Mortgage Broker portal with reversion rates linked to LIBOR.

*Figures sourced from UK Finance.

We will be withdrawing the following Buy-to-let products:

For Individual Landlords:

Multi Property 'Limited Edition' Remortgage

• 3.48%, 5 year fixed rate up to 75% LTV
• 3.78%, 5 year fixed rate up to 80% LTV

Multi Property Purchase

• 3.98%, 5 year fixed rate up to 75% LTV
• 4.58%, 5 year fixed rate up to 80% LTV

For Companies:

Multi Property 'Limited Edition' Remortgage

• 3.78%, 5 year fixed rate up to 75% LTV
• 4.38%, 5 year fixed rate up to 80% LTV

Multi Property Purchase

• 3.98%, 5 year fixed rate up to 75% LTV
• 4.58%, 5 year fixed rate up to 80% LTV

To secure one of these rates for your clients, please ensure that you have submitted a Decision In Principle (DIP) by 23.59pm on Thursday 28 February.

A refreshed Buy-to-let multi-property mortgage range will be communicated to you on Friday 1 March.

For more information, visit our Buy-to-Let product guides.

For a limited time only we’re offering Free Standard Valuations across our Purchase Only, no product fee products.

We’ve also made some changes to our Standard Mortgage Range Level 1 pricing:

• Remortgage only products with no product, valuation or legal fees from 2.93%
• Purchase and Remortgage products with a £999 product fee from 2.83%, which includes free standard legal fees on remortgages.

View our Residential Product Guide for more information

Specialist mortgages that give credit, where credit's due

At Aldermore we recognise that things can happen with your client's credit rating and if they already have a mortgage this can cause them problems when their deal period ends. That's why our Residential Mortgage range has extended tiered credit criteria and rates available up to 80% LTV for applicants who need a little more flexibility.

So if your client has a complex financial history or historic adverse our Level 2 or 3 products could help them own or remortgage the property they want.

As of today we've introduced our new Level 2 and Level 3 Remortgage products. With rates from 3.78% up to 75% LTV on Level 2 and 4.28% up to 75% LTV on Level 3, all with no product, valuation or legal fees.

In addition, we've updated rates across our Standard residential Level 1 range with rates from 2.68% up to 75% LTV.

So if your client thinks their perfect mortgage is out of reach, our tiered pricing and auto-cascade system could help them get the best possible rate available to them, and what's more we'll still give you an immediate decision at DIP.

For more information and full details of our new range, please view our updated product guide.

At Aldermore we always aim to give you as much notice as we can about product withdrawals.

We will be withdrawing the following Standard mortgage range level 1 products:

• 2.48%, 2 year fixed up to 75% LTV
• 2.78%, 2 year fixed up to 80% LTV

• 2.58%, 3 year fixed up to 75% LTV
• 2.88%, 3 year fixed up to 80% LTV

• 2.68%, 5 year fixed up to 75% LTV
• 2.98%, 5 year fixed up to 80% LTV

To secure this rate for your client, please ensure that you have submitted a Decision In Principle (DIP) by 23.59pm on Monday 17 December.
For more information, please view our Residential product guide.

We understand getting on the property ladder for the first time isn't always easy and raising a deposit is still one of the biggest challenges facing your first time buyer clients, add in a complex financial history or a less than perfect credit score and home ownership can feel really out of reach.

That's why we take the time to understand your clients' situation and do everything we can to support them.

From today, we're introducing Level 2 and 3 credit criteria across our Help to Buy: equity loan mortgage range, giving you more assurance regardless of how complex your clients' financial history. With rates from 4.78% up to 75% LTV on Level 2 and 5.28% up to 75% LTV on Level 3, all with free standard valuations.

We can also offer:

• A £0 product fee option, in addition to free standard valuations across the range because we understand just how important cash in the bank is for them
• 12 month offers (6 month offer with 6 month extension)
• Intuitive systems that identify new build applications to assist with processing within industry timeframes
• Fully gifted deposits from a close family member accepted

For more information and full details of our new range, please view our updated product guides and lending criteria.

Help to Buy: Equity Loan is only available in England.

We’re always looking at ways to improve the way we work with you.  We’ve listened to your feedback and want to ensure our packaging is clear, simple and straightforward. 

That’s why we've updated our Residential and Buy-to-Let Submission Guidance to help you get your client’s case underwritten as quickly as possible.

The guides contain 4 four simple steps, including the evidence required to submit the application and help us get an offer to your client.

The four steps include,

• Step One: Submit a decision in principle enquiry via the Broker Portal.
• Step two: Providing the documentation that our underwriters will require based on the circumstances that apply to your application.
• Step three: Proceed to Full Mortgage Application and upload the documentation against the checklist items in the portal.
• Step four: Providing you meet the submission guidelines an underwriter will assess the application, look to instruct the valuation and will contact you to confirm next steps.

We wanted to clarify this process to help speed up the production of your clients offer.

To view our updated Buy-to-Let Submission Guidance please click on the links below:

Residential Mortgages Submission Guidelines

Buy-to-Let Submission Guidelines

Following our 3 month review LIBOR has been set at 0.90% (increased from 0.85%).

This means our London Interbank Offered Rate (LIBOR) linked rates (Term Variable rates and reversion rates on Fixed products) on our Commercial Mortgage range and on our Buy-to-Let Mortgages (for companies and multi-unit freehold/HMO properties) have been increased by 0.05%.

We will write to all existing customers impacted to confirm their new interest rate and monthly payment amount.

The next LIBOR review will take place on 15 February 2019.

Please see our Buy-to-Let Mortgages Product Guide and our Commercial Mortgages Product Guide for more details on our current rates, or log in below to submit business.

Buy-to-let mortgages that just got more special

Whether your client is big or small, trades as an individual or company, invests in flats or houses, our range of Buy-to-let mortgages could be the perfect way to expand their portfolio.

We understand there have been a number of changes to the Buy-to-let market and these changes have been challenging, that's why we're doing what we can to support your clients with their property investments.

Individual landlord clients submitting remortgage applications through our Residential portal:

• 5 year fixed rate 75% LTV remortgage reduced by 0.20% to 3.98%
• 5 year fixed rate 80% LTV remortgage reduced by 0.20% to 4.58%

No product, valuation or legal fees

Company landlord clients submitting remortgage applications through our Commercial portal*:

• 5 year fixed rate 75% LTV remortgage reduced by 0.20% to 3.98 %
• 5 year fixed rate 80% LTV remortgage reduced by 0.20% to 4.58%
• New Multi Property** Limited Edition 5 year fixed rate remortgage at 3.78% to 75% LTV and 4.38% to 80% LTV

No product or valuation fees

Don't forget, we now accept new build flats for investment purposes and we've also reduced the interest cover ratio on the affordability calculation for customers that meet our definition of a basic rate tax payer.

For full details, please see our updated Buy-to-Let product guide.

*Applicants submitting via our Commercial portal will be responsible for the total legal costs to undertake the mortgage transaction.

**Multi property products are available to:
- New customers submitting multiple properties at the same time
- New customers submitting a second or subsequent application
- Existing customers with an active Aldermore Residential Owner Occupied, Buy-to-Let or Commercial mortgage account, submitting a new application

With 35,000 new first time buyers completing in August, up 12.6% on July we want to support even more to take their first steps onto the property ladder, and with “raising a deposit” still the biggest challenge facing them we’re making our 95% LTV mortgages even more affordable.

2 year fixed rate 95% LTV purchase only reduced from 4.78% to 4.58%

Don’t forget we also lend on new build houses and flats up to 95% LTV and we continue to manually underwrite every case, ideal for those with complex financial histories.

For full details, please see our updated product guide

We've made some improvements to proposition to ensure your clients get the mortgage they need, when they need it. 

Whether your client is a first time buyer with little or no deposit or a landlord looking to invest in a new property or remortgage an existing one, we can support their individual aspirations. 

As of today (15/10/2018) we've made the following changes to our criteria: 

Residential

• Reducing minimum valuation on ex-public sector property (outside of greater London) making them more accessible to first time buyers

Buy-to-Let

• Lowering ICRs for basic rate tax payers
• New build flats up to 70% LTV for first time landlords and 75% LTV for existing landlords

For full details of all the criteria changes, please see our updated product guides and lending criteria. 

As of today, (03/09/2018), we can offer reduced rates across our High LTV products, plus a range of fee options to suit your clients' circumstances:

£999 Product Fee

• 85% from 3.98% - Purchase and Remortgage
•  90% from 4.28% - Purchase Only
• 95% from 4.78% - Purchase Only

£0 Product Fee 

•  90% from 4.58% - Purchase Only
• 95% from 5.08% - Purchase Only

£0 Product Fee (plus free legals, and free valuation)

• 85% from 4.28% - Remortgage Only
• 90% from 4.58% - Remortgage Only

For clients who have experienced recent credit blips and historic adverse we've reduced rates across our Standard Range Levels 2 and 3:

£999 Product Fee

• Level 1 - 75% from 2.48% - Purchase and Remortgage
•  Level 2 - 75% from 3.48% - Purchase and Remortgage
•  Level 3 - 75% from 3.98% - Purchase and Remortgage

£0 Product Fee (plus free legals, and free valuation)

•  Level 1 - 75% from 2.78% - Remortgage Only

For further details, please view our Residential Product guide.

With effect from today, we have a new Limited Edition Multi Property product with reduced rates for Individual Landlords.

Available to clients with an existing Aldermore mortgage, new customers submitting a second or subsequent application(s), or submitting multiple applications at the same time.

New Multi Property Remortgage product for Individual landlords with single residential investment properties:

• 5 year fixed rate up to 75% LTV 3.48%
• 5 year fixed rate up to 80% LTV 3.78%
• No product or valuation fees and free standard legal fees

For further details on our Buy-to-Let mortgage criteria, click here

Following our 3 month review LIBOR has been set at 0.85% (increased from 0.65%).

This means our London Interbank Offered Rate (LIBOR) linked rates (Term Variable rates and reversion rates on Fixed products) on our Commercial Mortgage range and on our Buy-to-Let Mortgages (for companies and multi-unit freehold/HMO properties) have been increased by 0.20%.

We will write to all existing customers impacted to confirm their new interest rate and monthly payment amount.

The next LIBOR review will take place on 15 November 2018.

 Please see our Buy-to-Let Mortgages Product Guide and our Commercial Mortgages Product Guide for more details on our current rates, or log in below to submit business.

Aldermore Managed Rate will increase from 4.98% to 5.23%

In line with the recent Bank of England Base Rate change (0.50% to 0.75%), the Aldermore Managed Rate (AMR) will be increased by 0.25%; from 4.98% to 5.23% for new (including pipeline) and existing mortgage customers on 1 September 2018.

The AMR is Aldermore's standard variable rate for residential mortgages and buy-to-let for individuals. The change in AMR will mean that, across these product ranges, Aldermore's Term Variable rate mortgages will increase by 0.25% and all reversion rates on fixed rate mortgages will increase by 0.25% (from 1 September 2018).

Initial fixed rates will remain unchanged and we will send updated product guides in advance of the AMR change.

Existing Aldermore customers

We will be writing to all existing Aldermore mortgage customers affected by the change, to let them know their new interest rate and monthly payments effective from 1 September 2018.

If you have any queries, please contact your Business Development Manager or call 0333 321 1000.

Following the Bank of England’s decision to increase Base Rate from 0.50% to 0.75%, Aldermore is currently reviewing its variable rate mortgages and savings products. Once a decision is made we will publish details of these and notify all customers impacted.

With effect from 29 May 2018, we can offer a new range of remortgage only products up to 90% LTV.

Whether your client had a Help to Buy: Equity loan or started off with a small deposit, we've got a remortgage with their name on it.

What we can offer:

• 2 year fixed rate up to 90% LTV 4.48%
• 5 year fixed rate up to 90% LTV 4.58%

For further details, please view our Residential product guide

Following our 3 month review LIBOR has been set at 0.65% (increased from 0.55%)

This means our London Interbank Offered Rate (LIBOR) linked rates (Term Variable rates and reversion rates on Fixed products) on our Commercial Mortgage range and on our Buy-to-Let Mortgages (for companies and multi-unit freehold/HMO properties) have been increased by 0.10%.

We will write to all existing customers impacted, to confirm their new interest rate and monthly payment amount.

The next LIBOR review will take place on 15 August 2018.

Please see our Buy-to-Let Mortgages Product Guide  and our Commercial Mortgages Product Guide for more details on our current rates, or log in below to submit business.

With effect from 23 April 2018, we've made some changes across our Buy-to-Let range. Whether your client is big or small, individual or business, we've got a mortgage with their name on it.
Summary of changes:

• Reduced rates for company landlords
• Reduced rates for multi-unit freehold and HMOs
• Reduced term variable rates across the range

We have also introduced new fee free remortgage only products and a new Multi Property product with discounted rates.
For full details, please see our updated Buy to Let Product Guide

With effect from today 23 April 2018, we've launched two new levels of products on our Residential Range, which have extended credit criteria for applicants who don't qualify for our Standard Level 1 products.

Our specialist mortgages give credit where credits due and is ideal for clients who may not have previously fit our criteria.

For full details, please see our updated Residential Product Guide.

As of today 23 April 2018 we now consider one year's accounts for self-employed landlords.

• Maximum of 80% LTV
• No history of payment arrears, defaults, CCJs or other adverse information in the last 3 years on personal and business credit search.

• At least 1 year's SA302/Tax Calculation (with Tax Year Overview), supported by latest set of accounts, or reference from a suitably qualified accountant if required.
• Personal and business bank statements for the last 3 months (If your client has personal finance for business purposes this may be excluded from our affordability calculation. Please contact us for more information).

For full details of our requirements please view our lending criteria guide.

At Aldermore we believe you should be able to submit business to us how you want, whether that’s in the office or on the go.

From Monday 23 April both our Residential and Commercial broker portals will be mobile responsive and accessible from a smart phone, tablet or laptop as well as a desktop PC.

That means:

• You can complete an illustration and get a quote for your client quickly and easily using any device
• For Residential and Buy-to-let applicants, submit a Decision in Principle and for Commercial applicants submit a Head of Terms from a mobile device
• You can check the status of your clients' cases on the go

A number of our existing Buy-to-Let mortgage rates will be withdrawn and refreshed with a new range on Monday 23 April.

In order to secure the existing products you'll need to have your Decision in Principle submitted before 08.59pm on Friday 20 April.

For full details of our current Buy-to-Let products please see our Buy to Let Product Guide . We will update this product guide on Monday 23rd April with our new range.

Remember to log in to our Residential Mortgages Broker Portal to submit new buy-to-let cases for individual landlord clients on single residential units, or use our Commercial Mortgages Broker Portal for company buy-to-lets and cases on HMOs and multi-unit freeholds.

With effect from today (21/02/2018) we’ve made some changes across our High LTV and Help to buy: equity loan and London help to buy ranges, helping first time buyers get on the ladder.

We’ve reduced our High LTV rates by up to 0.5% plus we’ve removed our re-mortgage application fee and introduced a 5 year fixed with no product fee for purchase applications up to 95%. 

On our Help to buy equity loan range (including London help to buy scheme) we’ve reduced rates and introduced no product fee options.

For full details, please see our updated Residential Product Guide

We've refreshed our commercial range with new rates and benefits.

Whether your clients are looking to invest in commercial property or want to own their own business premises, they'll want a mortgage that meets their needs. 

We've got new 7 year fixed rates, revised reversion rates on 3 and 5 year fixed rates and introduced search insurance up to £1m to help save your clients time and money. 

New product range highlights:

• New range of 7 year fixed rates
• Fixed rates now available on our Semi Commercial range
• Rates available up to 75% LTV, with flexible repayment structures
• Introduction of search insurance for remortgages up to £1m^
• Revised reversionary rates on our 3 & 5 year fixed rates
• Reduced Arrangement fees, now 1.50%*

^Aldermore will pay for the cost of search insurance for commercial remortgages up to £1m. Search insurance is for the benefit of Aldermore and your clients will still be liable for searches not covered by the policy (HS2 / Crossrail and Flood searches). Offer valid until 31^st July 2018

*Arrangement fee includes a 0.25% commitment fee

For more information on our updated commercial range view our Product Guide. We've also made changes to our Commercial Legal Fee Scale and Valuation Fee Scale which you can find on the documents section of our intermediary website.

If you receive an email or fax asking for any personal or security information (e.g. login details) please don't reply as it is likely to be fraudulent. Please don't click on any links or open any attachments. Instead, forward it to financial.crime@aldermore.co.uk and then delete it. This information will be used to help reduce fraud.

Great news, we've updated our policy for new build incentives to help get your residential clients on the ladder and help your buy-to-let clients maximise their deposits. Here's an overview of the changes: 

Residential Owner-Occupied Criteria (New build houses and apartments) - available up to a maximum of 85% LTV: 

Helping home buyers unlock new opportunities...

• We now accept builder gifted deposits (including cash) up to a maximum of 5% of the purchase price
• Helping first time buyers who are eligible for the Government's stamp duty exemption take the added advantage of additional builder's gifted deposit up to 5% of the purchase price.
• We will accept equity from the sale of an existing property to a builder in a part exchange transactions as a source of deposit

Buy-to-Let Criteria (New build houses only) - available up to a maximum of 80% LTV: 

• We now allow builder gifted deposits up to a maximum of 5% of the purchase price of the property
• We will accept equity from the sale of an existing property to a builder in a part exchange transactions as a source of deposit

To view our updated Full Lending Criteria Guides please go to the Lending Criteria section or download the guides below:

• Residential Lending Criteria
• Buy-to-Let Lending Criteria 

The Residential Mortgages Broker Portal will be unavailable for a short period from 10pm to midnight on Thursday 25 January, while we carry out essential site maintenance. We apologise for any inconvenience this may cause.

To find out more about our Commercial Mortgages view our Full Lending Criteria