United Trust Bank has expanded its second charge mortgage range with new Super Prime and Specialist tiers, taking the range to five product tiers overall. Super Prime offers up to 90% loan-to-value for borrowers with no CCJs or defaults in the last 48 months, with rates from 5.39%. UTB has also cut residential mortgage rates by up to 100 basis points this month.
TL;DR · LAST REVIEWED 12 July 2026
- United Trust Bank has expanded its second charge mortgage range to five product tiers, adding new Super Prime and Specialist ranges.
- Super Prime offers up to 90% LTV for borrowers with no CCJs or defaults in the last 48 months, rates from 5.39%.
- Specialist offers up to 80% LTV for borrowers with up to two CCJs and two defaults in the last 24 months, rates from 7.69%.
- Separately, UTB cut residential mortgage rates by up to 100 basis points from 8 July 2026, adding new 90% and 95% LTV products for Super Prime and Prime Plus borrowers.
KEY FACTS
- Second charge range now spans 5 product tiers
- Super Prime: up to 90% LTV, no CCJs/defaults in 48 months, rates from 5.39%
- Specialist: up to 80% LTV, up to 2 CCJs/defaults in 24 months, rates from 7.69%
- Loan sizes: £25,000 to £1 million across the second charge range
- Fees reduced: £595 for loans under £60,000, no fee for loans up to £40,000
- Residential mortgage rates cut up to 100bps from 8 July 2026, new 90%/95% LTV products added
What's New in the Second Charge Range
United Trust Bank (UTB) Mortgages expanded its second charge loan proposition in January 2026, adding new Super Prime and Specialist tiers alongside a broader revision of rates. The range now spans five product tiers designed to support a wider spread of borrower credit profiles, from clean credit through to more complex or adverse histories.
| Tier | Max LTV | Credit Profile | Rate From |
|---|---|---|---|
| Super Prime | 90% | No CCJs or defaults in last 48 months | 5.39% |
| Prime | 90% | Up to 1 CCJ or default in last 24 months | From standard range |
| Specialist | 80% | Up to 2 CCJs and 2 defaults in last 24 months | 7.69% |
The existing Prime range was also broadened, now allowing one CCJ or default within the last 24 months, with high-LTV options extending up to 90% and automated valuation models available up to 85% LTV. Loan sizes across the second charge range run from £25,000 up to £1 million.
What Else Changed
Alongside the new tiers, UTB reduced fees across the range: loans below £60,000 now carry a £595 fee, with no fee at all for loans up to £40,000, and the range now offers unlimited overpayments. Applications also benefit from UTB's e-Deeds and e-DDM process, introduced shortly before this launch to speed up and simplify the application journey. Andrew Ferguson, Commercial Director of Mortgages, Buy-to-Let and Bridging at UTB, said the additions give brokers "even more opportunities to help their customers and place more cases, particularly those who fall outside of mainstream lenders' criteria."
Fresher Still: July's Residential Rate Cuts
Separately, and more recently, UTB reduced rates across its residential mortgage range by up to 100 basis points and launched new 90% and 95% LTV products for Super Prime and Prime Plus borrowers, effective from 8 July 2026. Residential mortgage rates now start from 5.24%, with maximum loan sizes of £750,000 at 90% LTV and £500,000 at 95% LTV, aimed at giving brokers more options for customers with smaller deposits, including first-time buyers.
Who This Is For
Second charge mortgages are secured loans that sit behind an existing first mortgage, typically used to release equity without remortgaging the whole property, and are almost always arranged through a mortgage broker rather than bought direct. Anyone considering a second charge mortgage, particularly with any adverse credit history, should speak to a broker who can assess the full range of lenders and tiers available, not just UTB's, since eligibility and pricing vary significantly between lenders.
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DISCLAIMER
This article is for general information only and does not constitute financial advice. Kael Tripton Ltd is an independent editorial publisher and is not authorised or regulated by the Financial Conduct Authority (FCA). Second charge and residential mortgages are typically arranged via a broker; rates and criteria vary by lender and individual circumstances, and can change without notice. ICO registration ZC135439.
Frequently asked questions
What is a second charge mortgage?
A secured loan that sits behind an existing first mortgage on a property, typically used to release equity without remortgaging the whole property. It is almost always arranged through a mortgage broker.
What does UTB's Super Prime tier offer?
Up to 90% loan-to-value for borrowers with no CCJs or defaults in the last 48 months, with rates from 5.39%.
Can I get a second charge mortgage with adverse credit?
UTB's Specialist range allows up to two CCJs and two defaults within the last 24 months, up to 80% LTV. Eligibility varies significantly by lender, so speaking to a broker who can compare the whole market is worthwhile.
Has UTB made any other recent changes?
Yes. Separately from the second charge range, UTB cut residential mortgage rates by up to 100 basis points and added new 90% and 95% LTV products from 8 July 2026.
Can I apply for a UTB second charge mortgage directly?
Second charge mortgages of this kind are typically arranged via a mortgage broker, not bought direct from the lender.
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