United Trust Bank Introduces New ‘Super Prime’ and ‘Specialist’ Ranges for Second Charge Loans with Rates from 5.39%
15 January 2026
United Trust Bank (UTB) Mortgages has started how it means to go on in 2026, shaking up its offering with a significant expansion of its Second Charge Loan product range and the revision of many rates across the board starting from 5.39%.
The range has been expanded to offer five tiers of products, catering for a far wider range of customers, from those with perfect credit through to customers with some adverse credit history. The enhancement has been designed to enable brokers to place more cases and assist more customers underserved by mainstream lenders in reaching their property finance goals, particularly in a market where customer profiles are continuing to evolve.
Highlights of the two new products are:
Super Prime – Lending up to 90% LTV for customers with no CCJs or defaults in the last 48 months.
Specialist – Lending up to 80% LTV for customers with up to two CCJs and two defaults within the last 24 months.
Other UTB benefits include:
- E-Deeds and E-DDM – Sign online with no wet signatures required
- Unlimited overpayments – Greater flexibility for your customers
- Reduced fees – Loans below £60k are now £595, plus no fees for loans up to £40k
- Prime range – Now allows 1 CCJ or default in the last 24 months
- High LTV options – Up to 90% LTV with unlimited overpayments
- AVM criteria – Available up to 85% LTV
- Wide borrowing range – From £25k up to £1m
More information can be found in the Product Guide HERE
The launch of the two new second charge ranges swiftly follows UTB recently introducing its new E-Deeds and E-DDM process to accelerate and simplify applications by allowing customers to sign their mortgage deeds and direct debit mandates online, anytime, anywhere with no paperwork or delays.
Andrew Ferguson, Commercial Director of Mortgages, BTL & Bridging at United Trust Bank said:
“These additions to our second charge range give brokers even more opportunities to help their customers and place more cases, particularly those who fall outside of mainstream lenders’ criteria because of their circumstances or property type. And with rates starting from just 5.39%, brokers can offer some cracking UTB deals.
“This is yet another example of UTB finding new ways to enhance our offering, making it even easier for brokers to choose UTB for their specialist customers knowing we offer great service and excellent value for money. Watch out for more great enhancements coming soon!”
