Residential Mortgage Rates
| Product | 60% LTV | 75% LTV | 85% LTV |
|---|---|---|---|
| 2-Year Fixed | 4.34% | 4.59% | 4.99% |
| 5-Year Fixed | 4.24%Best | 4.49% | 4.89% |
| 2-Year Tracker | 5.64% | –% | –% |
| Standard Variable Rate (SVR) | 8.29% |
Buy-to-Let Mortgage Rates
| Product | 60% LTV | 75% LTV |
|---|---|---|
| 2-Year Fixed BTL | 4.74% | 5.04% |
| 5-Year Fixed BTL | 4.64%Best | 4.94% |
Product Transfer Rates
| Product Transfer Type | Indicative Rate | Cashback via DBF |
|---|---|---|
| 2-Year Fixed Product Transfer | 4.19% | Cashback available |
| 5-Year Fixed Product Transfer | 4.14% | Cashback available |
About Cynergy Bank
Cynergy Bank is a specialist UK bank focused on the needs of high-net-worth individuals, entrepreneurs and business owners. Their mortgage proposition centres on flexible, manually underwritten products that can accommodate complex income structures - particularly useful for company directors taking low salary plus dividends, those with international income, and borrowers with significant asset wealth.
Cynergy Bank suits borrowers whose income story requires interpretation rather than straightforward documentation. They are able to lend against larger properties and in prime postcodes where some lenders have valuation restrictions, and their residential and buy-to-let criteria are more flexible than most high street lenders. DBF uses Cynergy for cases where income complexity or property characteristics make mainstream lenders unsuitable.