Residential Mortgage Rates
| Product | 60% LTV | 75% LTV | 85% LTV |
|---|---|---|---|
| 2-Year Fixed | ROA | ROA | N/A |
| 5-Year Fixed | ROA | ROA | N/A |
| 2-Year Tracker | ROA | –% | –% |
| Standard Variable Rate (SVR) | Rate on application |
Buy-to-Let Mortgage Rates
Handelsbanken does not offer buy-to-let mortgages through the broker channel.
Product Transfer Rates
| Product Transfer Type | Indicative Rate | Cashback via DBF |
|---|---|---|
| 2-Year Fixed Product Transfer | Rate on application | Cashback available |
| 5-Year Fixed Product Transfer | Rate on application | Cashback available |
About Handelsbanken
Handelsbanken is a Swedish bank operating in the UK through a decentralised branch network, where each branch makes its own lending decisions. This model results in a highly personalised service and significant underwriting flexibility - lending decisions are made by people who know the local market and the individual client, not by a centralised credit algorithm.
Handelsbanken is an excellent option for high-net-worth borrowers, business owners and professionals who want a genuine relationship banking approach to their mortgage. Their rates and terms are agreed on a bespoke basis and are not published in a standard rate card. They are particularly valued by self-employed and business-owner borrowers whose income complexity is best handled through personal relationships rather than automated systems.