Market Harborough cuts residential, buy-to-let and bridging rates

Market Harborough Building Society has made a host of rate reductions to start the new year. This includes lowering its standard variable rate (SVR) by 0.15% to 7.24% and reducing its residential and buy-to-let rates by up to 0.15%.

Following the changes, the Society’s rates now start from 5.10% fixed and 5.05% variable for residential tier one cases up to 75% LTV with a £1,495 product fee.

Buy-to-let rates start from 5.51% fixed and 5.46% variable for tier one cases up to 75% LTV, including top-slicing and lending into retirement as standard. 

At the same time, the specialist lender has also dropped its tier one and two monthly bridging finance rates.

Its monthly standard bridging finance rates for loans up to £5m now start from 0.59% variable and 0.63% fixed.

The lender’s limited edition bridging finance range for more simple cases up to £1m also benefits from these reductions, with monthly rates now starting from 0.57%. 

Market Harborough’s head of mortgage distribution, Iain Smith, said: “We’re building on a successful 2025, kickstarting 2026 with reductions across many of our mortgage rates. This ensures we’re well-positioned to support brokers with complex cases and with our award-winning bridging finance – we’ll be adding to this positive message with more great news to come.”