All Mortgage Stories

Anna Lewis, commercial director at Castle Trust Bank, explores why we should look ahead to 2026 with quiet optimism.

Residential property transactions rose 12% between January and November 2025, compared to the same period in 2024.

The lender has also reduced rates for existing landlord customers looking to product switch.

The updates include income improvements and broaden the scope of family members who can gift deposits.

75% LTV two-year fixed rates have seen the largest reductions.

60% LTV rates now start from 3.56%.

The new remortgage range comes with cashback between £500 and £1,000.

Applicants can now opt for a bridge or development loan of up to 24 months followed by a buy-to-let which can run up to three years. 

The Society has announced the complete removal of the LTV cap on lending into retirement.

The Rent to Own mortgage is available up to 100% LTV.