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This page is for intermediary use only. If you're not an intermediary, please
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Service levels updated on 2nd April - view our latest turnaround times here >
We’re temporarily withdrawing rates across our new business and product switch range - from 5pm Monday, 23 March.
Due to current market volatility, we’ve taken the decision to temporarily withdraw all new business products and 5-year fixed rates from our product switch range.
2 year fixed and discounted products will remain available in our product switch range.
We’ll be back with an updated range very soon.
Please also note that our mortgage portals will be unavailable this weekend due to planned maintenance, from 6pm on Friday 20 March until 6pm on Sunday 22 March.
Don't forget, all DIPs are valid for 30 days.
Rates will be withdrawn from 5pm Monday, 23 March and we'll continue to accept DIPs submitted in the portal up to this date.
We’ll process pipeline applications as usual and if you'd like to secure a withdrawn product for your client, the latest you can submit a decision in principle (DIP) is 5pm Monday, 23 March.
Due to current market volatility, we’ve taken the decision to withdraw the products listed below. As always, we’re committed to giving you at least one full working day's notice before any product is withdrawn.
Residential owner occupied, buy to let and product switch mortgage range
These rates will be withdrawn from 5pm, Tuesday 10 March and we'll continue to accept DIPs submitted in the portal up to 5pm, Tuesday 10 March.
30 day DIP guarantee
Our DIP accepts are valid for 30 days.
This gives you the confidence in securing the rate for your client, while also providing you the time to collect all the documentation we need.
Only when you have all the documents requested should you submit an application and begin to upload to the portal. You’ll then have 10 working days to upload all documents. This starts as soon as you’ve submitted your application.
Please note we only underwrite fully packaged cases.
You can find our full packaging requirements here, so you know exactly what documents we’ll need before you submit.
Pipeline applications
We’ll process pipeline applications as usual.
If you have an existing DIP already agreed please ensure it is converted within your 30 day window, given at time of DIP submission.
It's our commitment to you that we'll give you at least one full working days' notice of any product withdrawal. That's why we wanted to let you know that we've made the decision to withdraw the below buy to let limited edition products.
Individuals and companies with single residential investment properties
Multi property residential investment property portfolios
Please note our core mortgage range remains unchanged.
These limited edition rates will be withdrawn from 5pm, Thursday 5 March and we'll continue to accept DIPs submitted in the portal up to 5pm, Thursday 5 March.
30 day DIP guarantee
Our DIP accepts are valid for 30 days.
This gives you the confidence in securing the rate for your client, while also providing you the time to collect all the documentation we need.
Only when you have all the documents requested should you submit an application and begin to upload to the portal. You’ll then have 10 working days to upload all documents. This starts as soon as you’ve submitted your application.
Please note we only underwrite fully packaged cases.
You can find our full packaging requirements here, so you know exactly what documents we’ll need before you submit.
Pipeline applications
We’ll process pipeline applications as usual.
If you have an existing DIP already agreed please ensure it is converted within your 30 day window, given at time of DIP submission.
Following the recent change to the Bank of England Base Rate, we’re reducing the Aldermore Managed Rate (AMR)* from 8.58% to 8.38%.
The change to AMR means our discounted variable, term variable rate mortgages and all reversion rates will reduce by 0.20% for:
New and pipeline cases – for new business and product switch
From 15 January 2026 all new ESIS and mortgage offers (origination and product switch) will reflect the new AMR
Existing customers
From 01 February 2026 all AMR linked variable rate accounts will be updated. We’re writing to all impacted customers to let them know their new interest rate and monthly payments.
*AMR is Aldermore’s standard variable rate for residential and buy to let mortgages.
Following the 0.25% decrease to the Bank of England Base Rate on 18 December 2025, we’re currently reviewing our variable mortgage rates. We’ll provide further updates here. Please check back for the latest updates.
We’ve introduced new buy to let and residential owner occupied limited edition rates and new product switch rates, so you can give your customers more buying power and options.
Buy to let - Limited Editions
Individual and company landlords with single residential investment properties
Multi property product for residential investment property portfolios
HMO properties
All the above rates come with free valuation (purchase, remortgage and incorporation) and assisted legals for remortgages.
Residential owner occupied - Limited Editions
Level 1
Level 2
We aim to give brokers as much notice as possible when we make changes to our product range, but due to the ongoing volatility in the market we want to make you aware that these limited edition rates may be withdrawn at short notice.
Product switch - New Rates
Buy to let 2 and 5 year fixed rate reductions up to 0.30%.
Individuals and companies with single residential investment properties
HMO and multi unit freeholds
All rates have zero fees.
You'll find all our new rates in our mortgage guides.
We've launched new limited edition residential mortgage rates, helping you to find the right mortgage for your clients.
Level 1 - limited editions
Level 2 - limited editions
We aim to give brokers as much notice as possible when we make changes to our product range, but due to the ongoing volatility in the market we want to make you aware that these rates may be withdrawn at short notice.
You'll find all our new rates in our residential mortgage guide.
Helping you to unlock more opportunities for your residential clients
With the improvements we've made to our residential owner occupied mortgages, we’re now introducing these limited editions to make it even easier for your clients to get the lending they need.
The improvements we’re making are designed to help you unlock greater borrowing potential for clients who benefit from a specialist approach, find out more.
Following the recent change to the Bank of England Base Rate, we’re reducing the Aldermore Managed Rate (AMR)* from 8.83% to 8.58%.
The change to AMR means out discounted variable, term variable rate mortgages and all reversion rates will reduce by 0.25% for:
New and pipeline cases – for new business and product switch
From 04 September 2025 all new ESIS and mortgage offers (origination and product switch) will reflect the new AMR
Existing customers
From 01 October 2025 all AMR linked variable rate accounts will be updated. We’re writing to all impacted customers to let them know their new interest rate and monthly payments.
*AMR is Aldermore’s standard variable rate for residential and buy to let mortgages.
Following the 0.25% decrease to the Bank of England Base Rate on 7 August, we’re currently reviewing our variable mortgage rates. We’ll provide further updates here. Please check back for the latest updates.
Following the recent change to the Bank of England Base Rate, we’re reducing the Aldermore Managed Rate (AMR)* from 9.03% to 8.83%.
The change in AMR means our discounted variable, term variable rate mortgages and all reversion rates on fixed and discount rate mortgages will decrease by 0.20% for:
New and pipeline cases – for new business and product switch
From 5 June 2025, all new illustrations and mortgage offers (origination and product switch) will reflect the new AMR.
Existing customers
From 1 July 2025 all AMR linked variable rate accounts will be updated. We’re writing to all impacted customers to let them know their new interest rate and monthly payments.
*AMR is Aldermore's standard variable rate for residential and buy to let mortgages.
Please note: Our mortgage guides will be updated on 05 June 2025. You’ll find them here.
Buy to let
We’re reducing fixed rates across our buy to let range.
We’re also reducing our limited edition 2 and 5 year fixed rates.
Rates from 4.29% (for multi property 5 year fixed).
Residential owner occupied
We’re reducing fixed rates across our level 1, 2 and 3 range.
2 year fixed rates from 5.59%.
5 year fixed rates from 5.19%.
Product switch
We’re reducing fixed rates across our residential owner occupied and buy to let range.
All our rates are fee free, and you'll receive a 0.30% procuration fee for every client you switch, providing the request is made within the standard switch window (from 17 weeks before maturity).
You'll find all our new rates in our mortgage guides.
Following the 0.25% decrease to the Bank of England Base Rate on 8 May, we’re currently reviewing our variable mortgage rates. We’ll provide further updates here. Please check back for the latest updates.
Residential owner occupied rates at 85% to 95% LTV reduced by up to -0.70%
New business level 1 range: fixed rates up to 95% LTV, with rates starting from 6.74%.
New business level 2 range: fixed rates up to 90% LTV, with rates starting from 6.89%.
New business range: £999 & £1,999 product fees reintroduced.
New business range: -1.00% discount from AMR* reintroduced for 2 & 3 year fixed rates to support customer affordability.
Product switch: fixed rates up to 95% LTV, with rates starting from 6.94%.**
*AMR is the Aldermore Managed Rate currently 9.03%.
**With zero fees.
You'll find all our new rates in our mortgage guides:
Following the recent change to the Bank of England Base Rate, we’re reducing the Aldermore Managed Rate (AMR)* from 9.28% to 9.03%.
The change to AMR means our discounted variable, term variable rate mortgages and all reversion rates will reduce by 0.25% for:
From 05 March 2025 all new ESIS and mortgage offers (origination and product switch) will reflect the new AMR.
From 01 April 2025 all AMR linked variable rate accounts will be updated. We’re writing to all impacted customers to let them know their new interest rate and monthly payments.
*AMR is Aldermore's standard variable rate for residential and buy to let mortgages.
Please note: Our mortgage guides will be updated on 05 March 2025. You’ll find them here.
We’re reducing rates across our buy to let, residential owner occupied and product switch mortgage range so you can give your customers more buying power and options - from Wednesday, 5 February 2025.
Buy to let
We’re reducing fixed rates across our buy to let range.
We’re also reducing our limited edition 5 year fixed rates.
Rates from 4.54% (for multi property 5 year fixed).
Residential owner occupied
We’re reducing fixed rates across our level 1, 2 and 3 range.
2 year fixed rates from 5.74% up to 75% LTV.
5 year fixed rates from 5.44% up to 75% LTV.
Product switch rates
We’re reducing fixed rates across our residential owner occupied standard range and buy to let range.
Reduced Special Edition 2 year fixed buy to let product with rates from 6.19%, with no product fee up to 70% LTV.
You'll find all our new rates in our mortgage guides from Wednesday, 5 February.
Buy to let
New range on Wednesday, 15 January.
Residential owner occupied
New range featuring the return of 95% LTV products, rates reduced up to 80% LTV, rates increasing over 80%, and discount reversion rate extended to level 2 & 3.
Product switch rates
New range including a special edition 2 year fixed buy to let product with rates from 6.49% (up to 70% LTV) with no product fee.
We’re always looking for ways to improve the service we deliver to our valued brokers.
Over the past few months, we’ve been monitoring our call volumes to make improvements.
So, from 6 January 2025, we’re changing our opening times to increase the number of people answering calls during the core business hours.
Our phone lines will be open Monday from 9.30am to 5pm, and Tuesday to Friday, 9am to 5pm.
Following the recent change to the Bank of England Base Rate, we’re reducing the Aldermore Managed Rate (AMR)* from 9.53% to 9.28%.
The change to AMR means our discounted variable, term variable rate mortgages and all reversion rates will reduce by 0.25% for:
From 12 December 2024 all new ESIS and mortgage offers (origination and product switch) will reflect the new AMR
From 01 January 2025 all AMR linked variable rate accounts will be updated. We’re writing to all impacted customers to let them know their new interest rate and monthly payments.
*AMR is Aldermore's standard variable rate for residential and buy to let mortgages.
Please note: Our mortgage guides will be updated on 12 December 2024. You’ll find them here.
Following the 0.25% decrease to the Bank of England Base Rate on 7 November, we’re currently reviewing our variable mortgage rates. We’ll provide further updates here. Please check back for the latest updates.
We wanted to let you know that we've made the decision to withdraw our 2 and 5 year limited edition rates across our buy to let range.
All our buy to let limited edition rates will be withdrawn from 6pm Friday 1 November and we'll continue to accept DIPs submitted in the portal up to 6pm Friday 1 November.
Pipeline applications
We’ll process pipeline applications as usual and if you'd like to secure one of these products for your client, the latest you can submit a decision in principle (DIP) is 6pm Friday 1 November.
If you have any questions, contact your Business Development Manager or call the team on 0333 321 1000.
Multi property product for individual and company landlords with residential investment properties
See our buy to let mortgage guide for more details.
Individual and company landlords with single residential investment properties
Multi property product for individual and company landlords with residential investment properties
All the above rates come with free valuation (purchase, remortgage and incorporation) and assisted legals for remortgages.
See our buy to let mortgage guide for more details.
We've made the decision to withdraw our 2 and 5 year limited edition rates across our buy to let range.
All our buy to let limited edition rates will be withdrawn from 6pm Tuesday 8 October and we'll continue to accept DIPs submitted in the portal up to 6pm Tuesday 8 October.
Pipeline applications
We’ll process pipeline applications as usual and if you'd like to secure one of these products for your client, the latest you can submit a decision in principle (DIP) is 6pm Tuesday 8 October.
If you have any questions, contact your Business Development Manager or call the team on 0333 321 1000.
Individual and company landlords with single residential investment properties
Multi property product for individual and company landlords with residential investment properties
All the above rates come with free valuation (purchase, remortgage and incorporation) and assisted legals for remortgages.
See our buy to let mortgage guide for more details.
Following the recent change to the Bank of England Base Rate, we’re reducing the Aldermore Managed Rate (AMR)* from 9.73% to 9.53%.
The change to AMR means our discounted variable, term variable rate mortgages and all reversion rates will reduce by 0.20% for:
New and pipeline cases – for new business and product switch
From 06 September 2024 all new ESIS and mortgage offers (origination and product switch) will reflect the new AMR.
Existing customers
From 01 October 2024 all AMR linked variable rate accounts will be updated. We’re writing to all impacted customers to let them know their new interest rate and monthly payments.
*AMR is Aldermore's standard variable rate for residential and buy to let mortgages.
Please note: Our mortgage guides will be updated on 06 September 2024. You'll find them here.
Following our 3 month review, AMTR has been set at 5.10%, decreasing by 0.25% from 5.35%.
We’re writing to all existing customers who are impacted by this rate change to confirm what their new interest rate and monthly payments will be.
The next AMTR review will take place on 15 November 2024.
We've made changes to our buy to let, residential owner occupied and product switch rates.
We've reduced rates across our range, helping to support more of your clients find a mortgage solution that's right for their needs.
New: Residential owner occupied limited edition 2 and 3 year fixed rates up to 80% LTV, with a 1% discount off AMR* reversion rate.
*AMR is a variable rate set by Aldermore.
We've also made the decision to increase pricing on our residential owner occupied 85% and 90% LTV rates for new business and product switching.
Following the 0.25% decrease to the Bank of England Base Rate on 1 August, we’re currently reviewing our variable mortgage rates. We’ll provide further updates here. Please check back for the latest updates.
Individual and company landlords with single residential investment properties
Multi property product for individual and company landlords with residential investment properties
See our buy to let mortgage guide for more details.
Individual & company landlords with single residential investment properties
Multi property product for Individual and company landlords with residential investment property portfolios
See our buy to let mortgage guide for more details.
Buy to let limited editions
Individual and company landlords with single residential investment properties
Multi property product for individual and company landlords with residential investment properties
Zero, 1.50% and 5% fee options available, see our buy to let mortgage guide for more details.
Residential owner occupied level 1 limited editions
See our residential mortgage guide for more details.
We've repriced our level 2 and 3 residential owner occupied products.
We've reduced our buy to let fixed rates for new and existing customers, helping you find the right mortgage product for your clients.
We've also introduced new limited edition buy to let fixed rates for new customers to 65% LTV
Individual and company landlords with single residential investment properties
Multi property product for individual and company landlords with residential investment properties
Aldermore is giving you and your contractor clients more choice and flexibility, so they can access the mortgage they need.
Contractors in the UK are a pretty diverse bunch, from locum doctors to IT professionals and supply teachers, contractors work under many different structures and arrangements. This means their finances don’t always neatly fit into either a standard employed or self-employed underwriting approach. At Aldermore, we don’t believe this makes them unsuitable for a mortgage.
We've made the decision to reprice our fixed rates across our new business and product switch buy to let ranges.
All our buy to let rates will be withdrawn from 6pm Thursday, 6 June. We'll continue to accept DIPs submitted in the portal up to 6pm Thursday, 6 June.
We'll be launching our new buy to let range from Friday, 7 June when you'll find all our new rates in our buy to let mortgage guide and product switch guide.
We've made the decision to withdraw our 65% LTV limited edition rates across our buy to let range.
All our buy to let 65% LTV limited edition rates will be withdrawn from 6pm Tuesday 14 May and we'll continue to accept DIPs submitted in the portal up to 6pm Tuesday 14 May.
Pipeline applications
We’ll process pipeline applications as usual and if you'd like to secure one of these products for your client, the latest you can submit a decision in principle (DIP) is 6pm Tuesday 14 May.
We’re excited to let you know about the changes we’ve made to our residential owner occupied mortgage criteria.
We’ve listened to your valuable feedback and introduced new level 2 and 3 lending criteria to help you find the right mortgage for your clients.
Our level 1 and 2 products are available up to 95% LTV and level 3 products are available up to 80% LTV.
Improvements to our level 1 criteria – up to 95% LTV:
New level 2 criteria:
New level 3 criteria:
Criteria across our level 1, 2 and 3 range
For more information on the changes, please see our residential criteria guide and residential mortgage guide.
We've made the decision to increase rates across our buy to let 65% LTV limited edition range and launch a new 75% LTV range from Tuesday, 30 April.
All our buy to let limited edition rates will be withdrawn from 6pm Monday 29 April. We’ll process pipeline applications as usual and if you'd like to secure one of these products for your client, the latest you can submit a decision in principle (DIP) is 6pm Monday 29 April.
We'll be launching our new buy to let range from Tuesday 30 April.
From Tuesday 30 April
For new applications only.
From Tuesday 30 April you'll find all our new rates in our buy to let mortgage guide.
All our buy to let 75% LTV rates will be withdrawn from 6pm Friday 12 April and we'll continue to accept DIPs submitted in the portal up to 6pm Friday 12 April.
We’ll be back with new buy to let 75% LTV rates soon.
Pipeline applications
We’ll process pipeline applications as usual and if you'd like to secure one of these products for your client, the latest you can submit a decision in principle (DIP) is 6pm Friday 12 April.
We've re-launched our buy to let product switch rates at 75% to 85% LTV for individual and company landlords with single residential investment properties, HMOs and multi unit freeholds.
You can find all our product switch rates in our Product Switch Mortgage Guide.
Buy to let individual and company landlords with single residential investment properties
Buy to let multi property product for individual and company landlords with residential investment properties
For new applications only.
You'll find all our new rates in our buy to let mortgage guide.
We’re constantly looking for ways to help more of your clients who need a specialist approach to lending. We’ve once again listened to your feedback and here’s our latest changes that support with affordability and give you more options to say ‘yes’ to your clients.
We’re increasing our self-employed lending limits:
We’re increasing our maximum LTV to 90% from 85% for owner occupied self-employed customers with less than 2 years' trading.
We’re increasing our allowable income:
We’re increasing the percentage of income sources that can be used as part of a client's affordability on both owner occupied and buy to let applications.
We’re increasing our offer validity period:
We’re increasing our standard offer validity period on new applications from 90 to 120 days to give you extra time and flexibility to complete your case.
For more information on the changes, please read our criteria guides:
Residential mortgages lending criteria
We hope these changes will benefit your clients. If you have any questions, please contact your Relationship Manager or call our BDMs on 0333 321 1000.
It's our commitment to you that we'll give you at least one full working days notice of any product withdrawal. That's why we wanted to let you know that we've made the decision to increase rates across our buy to let, residential owner occupied and product switch range, and launch a new range from Tuesday.
We're making important updates to our mortgage portals this weekend and they'll be temporarily offline, sorry for any inconvenience.
We’ll process pipeline applications as usual and if you'd like to secure one of these products for your client, the latest you can submit a decision in principle (DIP) is 6pm Monday 26 February.
For product switch rates you’ll need to secure an offer by 6pm Monday 26 February, which will then be valid for 7 days.
We'll be launching our new rates from Tuesday 27 February.
New residential owner occupied, buy to let and product switch mortgage rates - from Tuesday 27 February
We're relaunching our buy to let, residential owner occupied and product switch mortgage rates, helping you find the right mortgage product for your clients.
We’re also introducing new limited edition buy to let products
Buy to let individual and company landlords with single residential investment properties
Buy to let multi property product for individual and company landlords with residential investment properties
We've re-launched our buy to let, residential owner occupied and product switch mortgage rates, helping you find the right mortgage product for your clients.
We’ve also introduced new limited edition residential owner occupied products
New limited edition 2 year fixed rates up to 90% LTV with a 1% discount off AMR* reversion rate.
*AMR is a variable rate set by Aldermore.
You’ll find information on all our rates in our mortgage guides:
Product switch mortgage guide
It's our commitment to you that we'll give you at least one full working days notice of any product withdrawal. That's why we wanted to let you know that we've made the decision to increase rates across our buy to let, residential owner occupied and product switch range.
All our fixed rate products will be withdrawn from 6pm Wednesday 7 February and we'll continue to accept DIPs submitted in the portal up to 6pm Wednesday 7 February.
We’ll be launching our new rates from Thursday 8 February.
Pipeline applications
We’ll process pipeline applications as usual and if you'd like to secure one of these products for your client, the latest you can submit a decision in principle (DIP) is 6pm Wednesday 7 February.
For product switch rates you’ll need to secure an offer by 6pm Wednesday 7 February, which will then be valid for 7 days.
Residential owner occupied
Reduced rates across our standard level 1 range and new 95% LTV rates.
Fixed rates from 6.59% up to 95% LTV
We’re increasing our maximum LTVs to 90% LTV for new build houses and 85% LTV for new build flats.
We’re also increasing our maximum LTV for remortgages when capital raising for debt consolidation, business purposes and other non-property related purposes to 85% LTV.
Buy to let
We’re reducing rates across our buy to let range including HMOs and multi unit freehold products.
Our 5 year fixed with 7% fee will be reduced to 4.39% for individuals and companies and 4.29% for multi property with single residential investment properties up to 75% LTV.
Product switch
We’re reducing rates across our standard range, high LTV and buy to let range including HMOs and multi unit freehold products.
You’ll find information on all our rates in our mortgage guides: