Viewing Lender Rates

The Latest Rates page gives you access to live mortgage rates from our panel of lenders, helping you find the best deals for your clients buying new-build properties.

Latest Rates is available to Broker Client Advisor, Admin, and Owner roles.

Homepage illustrations

The public Pulse homepage shows illustrative marketing rates for Rate Reducer, Flex and No Deposit when eligible rate data and the required benchmark are available. The No Deposit illustration is a five-year fixed rate at 100% LTV, available on selected developments only. These headline illustrations do not confirm a buyer's eligibility or replace the live lender rates in Latest Rates.

Accessing Latest Rates

1. Log in to your broker account
2. Navigate to Latest Rates in the sidebar
3. Enter client scenario details and click Find Rates

Understanding the Results

Search Inputs

You can search rates using:

• House price
• Customer deposit
• Mortgage term

Pulse searches standard rates first. If none match and eligible Gifted Deposit rates are available, Pulse automatically turns on the Gifted Deposit toggle and shows those results with the deposit breakdown. Gifted Deposit uses:

• Buyer deposit entered in the form
• Minimum buyer deposit = 3% of house price
• Builder top-up = 2% of house price
• Total deposit used for mortgage calculations = buyer deposit + builder top-up

If neither search finds matching rates, the toggle stays off and Pulse shows no results. Pulse hides the prompt to search with Gifted Deposit when it has already found no matching Gifted Deposit rates for the current inputs; the toggle remains available. Turning Gifted Deposit off removes its results and deposit breakdown; it stays off until you turn it on again or start a new search. Your entered buyer deposit is never changed.

Clicking Find Rates always starts a new standard search and allows the automatic Gifted Deposit fallback again, even if the values have not changed. Standard matches keep Gifted Deposit off. If a Gifted Deposit search has no results, you can also select Search standard rates to return to the standard results.

The Gifted Deposit summary includes an info tooltip reminding brokers that the scenario requires an Own New Flex LoA and confirmation from the builder that the 2% top up is available.

Gifted Deposit mode still matches products using the effective LTV. For matched 95% Own New Flex products, Pulse only requires lender Gifted Deposit support when the buyer's own deposit is below 5% before the builder top-up. If the buyer deposit is 5% or more, all matched Flex products can be shown in Gifted Deposit mode, including 95% products without that lender flag.

Gable - No Deposit (5%) appears only when the entered buyer deposit is £0. It uses a 100% mortgage calculation.

If you enter a positive deposit and neither standard nor Gifted Deposit rates match, Pulse offers Search No Deposit options only when matching No Deposit rates are available for your broker and development context. Clicking it visibly sets the buyer deposit to £0, turns Gifted Deposit off, clears result filters and searches again. The house price, term, fee choice and development context are retained. Pulse never automatically changes your entered deposit.

If you search without selecting a development, Pulse may show matching Gable rates. If a selected development is not eligible, Gable is hidden.

Some lender products are available only to specific broker firms. Pulse uses your active broker organization to hide the restricted lender and all of its products unless your firm is approved. Product criteria still identify any property or builder restriction that must be checked before advice or application.

Available Filters

After running a search, you can filter and sort results by:

• Initial product term (for example 2-year or 5-year)
• Product (Own New Flex 3%, Special 4%, Rate Reducer 5%, and Gable - No Deposit (5%) where available)
• Repayment type
• Gifted Deposit scenario
• Whether fees are added to the loan
• Sort order (rate, monthly payment, true cost, cashback)
• View mode (cards or table)

Gifted Deposit is a way to use Own New Flex, not a separate product family. Broker search results may show Own New Flex + Gifted Deposit to identify that calculation scenario. The page shows the buyer deposit, builder top-up, total deposit, loan amount, and effective LTV separately so the mortgage amount remains clear.

Gable results are separate from Gifted Deposit searches: Gable requires a £0 buyer deposit, while Gifted Deposit requires at least a 3% buyer deposit.

Rate Information

For each product, you'll see:

Where a lender-equivalent product exists, crossed-out rate, monthly payment, and true-cost figures appear directly below the corresponding Own New value, with the saving in green. A single explainer above the results defines both treatments. Select it to open How it works within the first comparable product's details and review the calculation.

The table view keeps these values in aligned columns. Select the Rate, Monthly, True cost, or Cashback heading to change the sort order. Rate cards and table rows use short, source-verified labels for key criteria. The first key criterion is shown in each row; select it or the +N action to open Relevant Criteria. If no criterion is available, select Product information instead.

Gable does not show lender-equivalent figures or savings because the 100% LTV product is offered only with the Own New incentive.

Product Details and Criteria

In card view, select View product details to open the product-details sheet. In either view, selecting a criteria highlight opens the same sheet on Relevant Criteria.

The sheet presents each criterion as a concise bullet using its full title. A short summary appears only when it adds useful information rather than repeating the title. It contains:

• Relevant Criteria — curated Own New decision criteria grouped by shared main criteria heading, with concise wording, outcome, product-specific scope, source, and verification date
• Product details — product code, rate, term, LTV, fee, repayment type, cashback, expiry, and lender link
• Selected developers — for Gable, the developers that currently have an active No Deposit entitlement
• How it works — where the builder incentive goes and what the lower rate is worth during the initial product period
• How to apply — the steps for obtaining and using the relevant Letter of Approval

Relevant Criteria is a decision aid, not a copy of the lender's complete policy. Use the View full lending criteria link for the lender's broader guidance. Each criterion shows its own source and verification date; always check the lender's current requirements before advising a client.

Each recorded criterion has one of four outcomes: Accepted, Restricted, Considered, or Not accepted. Not accepted means the lender has explicitly declined that scenario. If no criterion is recorded under a heading, treat it as unrecorded rather than declined and check the lender's current guidance.

For Own New Special results, highlighted restrictions may appear above the results. A Restricted item identifies a condition that must be checked; a Not accepted item is shown as a decline and means the lender will not accept the recorded scenario.

How the Incentive Is Shown

For comparable repayment products, How it works first shows how the builder incentive is allocated between funding the lower rate and any remaining cashback. It then breaks the interest saving into lower payments during the initial product period and the lower mortgage balance at the end of that period.

For interest-only products, the breakdown shows lower monthly interest payments and confirms that the mortgage balance is unchanged. Any incentive remaining after funding the lower rate is shown as Cashback. If the full incentive funds the lower rate, cashback is zero.

For Gable, How it works shows the No Deposit rate, monthly payment, initial-period interest cost, and 100% mortgage amount without creating a non-Own New comparison.

Comparing Products

To compare products for a client:

1. Run a search for the client's scenario
2. Apply filters to narrow options
3. Sort by rate, payment, true cost, or cashback
4. Review fees and cashback alongside rate
5. Consider total cost over the product term

Rate Updates

Note: Always verify rates and criteria with the lender before advising clients, as lender information can change.

Using Rates with Clients

When discussing rates with clients:

1. Explain how builder incentives affect the rate
2. Show the comparison with standard rates
3. Explain interest and payment savings over the initial product period
4. Discuss fees and their impact
5. Explain any special conditions

Downloading Evidence Of Research

You can generate a downloadable Evidence of Research PDF after running a search.

The PDF includes:

• Client scenario inputs
• Filtered/sorted product shortlist grouped by product
• Product-specific loan amount, LTV, applied deposit, and ignored deposit where relevant
• Broker details
• Timestamped output for compliance records

When the shortlist mixes product calculation methods, the summary loan amount and LTV show Varies by product. Product-specific figures remain in each rate row.

If a Search Cannot Complete

If a search fails, Pulse shows a message with a Try again button. Previous results are cleared so they cannot be mistaken for results for the new inputs. If you edit the house price or deposit while a search is running, Pulse shows an update prompt and keeps results for the earlier values hidden. Select Find Rates to search using the edited values. Changing only the mortgage term automatically refreshes the search.

Questions About Rates

If you have questions about specific rates or products:

• Contact your Own New account manager
• Or reach out to the lender directly