United Trust Bank Residential Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| 2-yr fixed 65% LTV (clean credit) | 7.29% | 2 years | £995 | |
| 2-yr fixed 75% LTV (clean credit) | 7.54% | 2 years | £995 | |
| 2-yr fixed 75% LTV (light adverse) | 7.94% | 2 years | £995 | |
| 2-yr fixed 75% LTV (medium adverse) | 8.44% | 2 years | £1,495 | |
| 5-yr fixed 65% LTV (clean credit) | 4.99%Best | 5 years | £995 | |
| 5-yr fixed 75% LTV (clean credit) | 5.27% | 5 years | £995 | |
| 5-yr fixed 75% LTV (light adverse) | 5.74% | 5 years | £995 | |
| 5-yr fixed 75% LTV (medium adverse) | 6.34% | 5 years | £1,495 | |
| Standard Variable Rate | 9.19% | Ongoing | None | - |
United Trust Bank Buy-to-Let Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| BTL 2-yr fixed 65% LTV | 7.89% | 2 years | £1,495 | |
| BTL 5-yr fixed 65% LTV | 5.64%Best | 5 years | £1,495 | |
| BTL 5-yr fixed 75% LTV | 5.97% | 5 years | £1,495 |
United Trust Bank Product Transfer Rates
| Product Transfer Option | Rate | Initial Period | Fee | Cashback |
|---|---|---|---|---|
| United Trust Bank 2-yr fixed PT (same LTV band) | 7.34% | 2 years | £0 | Cashback available |
| United Trust Bank 5-yr fixed PT (same LTV band) | 5.04% | 5 years | £0 | Cashback available |
| United Trust Bank PT + borrow more (residential) | 5.11% | 5 years | £595 | Cashback available |
About United Trust Bank Mortgages
United Trust Bank (UTB) is a specialist bank offering bridging finance, development finance, and long-term mortgages for residential and commercial properties. They have built a strong reputation in the professional lending market for responsive service, practical underwriting, and the ability to handle complex deals.
United Trust Bank suits professional property investors, developers, and borrowers with complex circumstances who need a lender that understands the nuances of their situation. Their bridging-to-mortgage pathway is particularly useful for clients who start with a bridge and need a smooth exit into a term mortgage.