All our customers benefit from a unique, bespoke, private banking experience so when you place a case with us, you can be assured your client will be in safe hands. We‘ll work with you to help your clients get the solution that's right for them. All aspects of any application are handled by the same team and you’ll always be able to contact them directly.
Our rates
Find our latest rate information here, these are changed regularly so remember to bookmark this page.
We reserve fixed rates on or before the day the mortgage application is issued. Your client has 14 working days to accept it by signing the application form.
Direct access to decision makers, regardless of loan amount
We’ll make decisions quickly for you, even if we can’t help
Our products are flexible with a mortgage range that includes: offset mortgages, trackers free from early repayment charges and residential development loans
We take the time to understand cases with multiple income streams, including retained profits, rental income, directors’ loans and pensions
We’re able to consider unusual property types, including Grade II Listed, holiday homes and those with large acreage *Considered on a case by case basis*
Procuration fees
We’ll pay a procuration fee of 0.45% on new residential mortgages.
We’ll pay a product switch fee of 0.25% when you recommend a new mortgage product to an existing Handelsbanken mortgage customer who proceeds with the switch. Simply complete the fee request form and your branch will be in touch.
Our loyalty rates are available for those existing Handelsbanken customers who are progressing with a product switch or looking to borrow additional funds.
Find out more about the switching process and submit a fee request.
We offer a range of fixed rate mortgages for customers who want the certainty of paying the same amount each month, during that fixed rate period. We do allow 10% overpayments per year, however we do apply early repayment charges.
Tracker mortgages
We provide a variety of tracker products from the Bank of England base rate, along with the Handelsbanken Standard Variable Rate.
Offset mortgage
Our offset product provides customers with greater flexibility when it comes to managing their money and repayments. The mortgage is linked with a Handelsbanken savings and/or current account and those balances offset the amount of interest we charge on the mortgage.
Residential development loan
We offer development loans for a variety of circumstances such as:
purchasing a property with the intention of demolishing some or all of it, to build or extend a home
purchasing or developing land to build a new home
undertaking significant extensions and renovations where planning permission is required.
Foreign currency mortgages
These are only available to UK residents and in Sterling and only for first charge lending secured against a UK residential property. The haircut we apply is specific to the currency and we can use income and/or assets in the following:
Euro DKK (Danish Krone) NOK (Norwegian Krone) SEK (Swedish Krona) USD (US Dollars) …or any combination of these
Fee Saver
Your clients can choose a lower margin with a fee or a higher margin with no fee, depending on how much they owe on their mortgage. There’s an option to take either a new Handelsbanken mortgage or retain their existing mortgage with fee-saver options. Our fee saver options don’t have an arrangement fee.
Sustainable Home Reward
Our commitment to sustainability extends to supporting our customers who want to make more sustainable choices. Choosing an energy efficient home can make a difference when it comes to the climate challenge, and we believe your clients should be rewarded when they do. That's why we'll pay them a reward of up to £1000 if they take out a new Handelsbanken mortgage, or retain their existing mortgage with us, and meet the following eligibility criteria (pdf)
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Lending criteria
Here’s our high level lending criteria, a more detailed view can be found in our Broker lending criteria (pdf)
Opens in a new window. We assess each case on an individual basis, so we’ll always be happy to discuss any case with you.
The client must be aged 18 or over
The maximum applicants is 4
We lend on properties in England, Wales and Scotland only
No minimum income requirements
The minimum term is 1 year and the maximum is 35 years or to age 80 (depending on method of repayment)
We offer up to 75% LTV on our Standard Matrix and 85% LTV on the Standard Plus Matrix
Client success stories
At Handelsbanken, we take a personal approach to supporting mortgage brokers and their clients to get a solution that works for them. Explore how we’ve helped clients overcome challenges and secure the right finance:
Please note: we are only accepting registrations from Directly Authorised Firms and Appointed Representatives of Networks we have on panel. If you are an appointed representative, please check with your principal to see if Handelsbanken is on your lender panel before completing the intermediary registration form.
Yes - my firm is already registered
That's great. Even if your firm is registered with us, each individual broker still needs to complete their own registration.
If you reproduce any part of the information contained in this communication, to be used with or to advise clients, you must ensure it conforms to the Financial Conduct Authority's advising and selling rules. It's your responsibility to ensure that the information you're using is the most up to date in line with our most recent communications to professional mortgage advisors. If you're unsure that you are using the correct versions, please check with our intermediary support team.
