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"Significant move" by United Trust Bank

ended 12. September 2025

A broker and aspiring rapper on Newspage has described an update by United Trust Bank as a “significant move”. Norwich's version of Eminem says UTB is now providing alternatives to further advances for borrowers with more flexible acceptance criteria and broadly mainstream mortgage rates. Loans under £40k are product fee free, too. Screengrab below. Any thoughts on the benefits for the consumer here, and whether you like the look of this, send them across ASAP please. Apparently it's the bee's knees, says the Eazy E of the LTV.

 

2 responses from the Newspage community

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Editor
Ranald Mitchell
Director at bad credit mortgage specialists Charwin Mortgages
Yo, UTB just stepped in the game,
Flexin’ with criteria that ain’t the same.
Mainstream rates, man, they’re keepin’ it tight,
Fee-free under 40k, that’s right.

Borrowers get options, no need to stress,
Remixin’ mortgages, not settlin’ for less.
No rigid advances, it’s a brand-new beat,
Consumers on the street sayin’ “UTB’s neat.”

Choice on the table, that’s the vibe we chase,
Keepin’ borrowers movin’ at a smoother pace.
So when it comes to value, yeah, UTB please,
This drop’s the bee’s knees, straight mortgage MCs.
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Editor
Ken James
Director at Contractor Mortgage Services
UTB Steps Up with Second Charge Mortgages a Lifeline for Borrowers Left in Limbo,When your first charge lender slams the door, United Trust Bank opens a window. In a market where remortgaging can feel like navigating a maze of rigid criteria and rising rates, UTB’s second charge mortgages are emerging as a smart, flexible alternative for borrowers seeking additional funds without disturbing their existing deals. With acceptance criteria that embrace complexity, even better, loans under £40,000 come with no product fees, making them not just flexible but cost-effective too. In a landscape where mainstream lenders are tightening the reins, UTB is loosening them as second charge lending moves from niche to mainstream, UTB is leading the charge. And for borrowers, that’s not just good news it’s a game-changer.