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.

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 Rate Table

Search Inputs

You can search rates using:

• House price
• Customer deposit
• Mortgage term

You can also turn on Deposit Top Up. When enabled, Pulse 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 a standard search returns no rates and the buyer deposit is at least 3% of the house price, Pulse shows a prompt to search again with Deposit Top Up. The helper tooltip explains: "Adds 2% to the customer deposit from the builder, and searches for available Flex rates".

Deposit Top Up mode still matches products using the effective LTV. For matched 95% Own New Flex products, Pulse only requires lender Deposit Top Up 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 Deposit Top Up mode, including 95% products without that lender flag.

Available Filters

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

• Product term (for example 2-year or 5-year)
• Product (Own New Flex 3%, Special 4%, Rate Reducer 5%)
• Sort order (rate, monthly payment, true cost, cashback)
• View mode (cards or table)
• Optional toggle to add fees to loan

Deposit Top Up is a scenario, not a separate broker product family. Where Pulse needs a fuller label, it is shown as Own New Flex + Deposit Top Up. The page shows the buyer deposit, builder top-up, total deposit, loan amount, and effective LTV separately so the mortgage amount remains clear.

Rate Information

For each product, you'll see:

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

Rates are updated regularly:

• Daily updates from most lenders
• Immediate updates when significant changes occur
• Last updated timestamp shown on the page

Note: Always verify rates with the lender before advising clients, as rates 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. Calculate total savings over the mortgage term
4. Discuss fees and their impact
5. Explain any special conditions

Marketing Rates vs. Full Rates

You may see two types of rates:

• Marketing rates — Shown on the public calculator (headline rates)
• Full rates — Complete product details for advisers

The full rate table includes additional details not shown publicly.

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
• Broker details
• Timestamped output for compliance records

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