ALL LENDER UPDATES

Quantum at a Glance

We are a specialist BTL lender focusing on providing solutions for experienced landlords, below are some of our USP’s and I have attached our latest product guide for you to review: Day 1 Remortgages Holiday Lets Ex-Local Authority Up to 4 Applicants Portfolio Landlords Ltd Companies & LLP’s Above/Adjacent to Commercial properties Student Lets Supported

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Semi Exclusive Product Overview

Please find attached  the new updated semi-exclusive products that have launched today. Short Overview of Products: Owner Occupier Semi-Exclusives 2-Year Fixed Rate (Interest-Only): Initial Rate: 5.24% (60% LTV, Product Code: XF1170) Initial Rate: 5.39% (80% LTV, Product Code: XF1171) Followed by Managed Mortgage Rate: 7.69% APRC: 7.4% Early Repayment Charges: 2% until 31/03/2027, 1% until

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Important Information About our Mortgage Products

From today, Wednesday 5 November, we’ve refreshed our product range and pricing and have introduced new products for existing borrower Buy to Let product switch and further advance purposes. Owner Occupier Fixed Rates Repayment  2 Year Fixed Rates have decreased by 0.10% 5 Year Fixed Rates have decreased by 0.15% Interest-Only  2 Year Fixed Rates have decreased

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Important information about our mortgage products

On Wednesday 5 November 2025, we’ll be making changes across our mortgage product range. This includes: Decreases across most of our Owner Occupier and Buy to Let products We’ll be removing our LTV price tiering for our Buy to Let product range, with only our 75% LTV Buy to Let products remaining on sale We’ll also be launching new Buy to Let products available

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Contractor Mortgages Made Easy!

With as little as 12 months continuous track record, our Contractor Mortgage options are quite simple as Stu Bryce, Head of New Business, explains in this short video. Watch our 1-minute newsreel which covers the following: –  Agency Temporary Bank Nursing Zero Hours Sub-contractor CIS Umbrella Fixed Term Short Term IT Consultants We’re here for the

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Rates are Coming Down

Our rates are coming down and with AffordAbility+ your clients could borrow over 25% more!* Our 10 year fixed rates don’t just match the high street affordability – they outperform it hands down. Click below to see how our latest rates can boost your client’s borrowing power with our AffordAbility+ Calculator: You can find our updated rates below:  (please note our no fees remortgage max. LTV is 90%)

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Bridging just got faster with our new AVM criteria

We’ve made some exciting updates to our bridging offering: we’ve expanded our AVM (Automated Valuation Model) criteria to help you move faster on bridging and refurbishment deals. What’s new? Expanded AVM acceptance criteria up to 75% LTV with confidence rating criteria relaxed to match our BTL rules increasing the number of properties that will be eligible. • AVMs can be used

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Sparkling savers for Bonfire night

For the next two weeks, we are excited to offer you and your clients a rate reduction that’s as dazzling as a sparkler on our unregulated 2nd charge propositions. What products are included? 2nd charge unregulated residential bridging 2nd charge unregulated BTL mortgages What are the saver rates? It’s straightforward.  Whatever the rate is for a 1st

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