Brokers can now offer our full suite of long-term fixed-rate mortgages, including the new 7, 10 and 15-year products. 

Our recently launched 7-15 year fixed-rate range offers: 

• No ERCs when clients move home or sell the property
• Flexible overpayments, up to 10% per year
• Up to 6× income (subject to criteria) at 95% LTV
• No maximum age limits

These products are offered alongside our already established 40 year fixed rate mortgages, and RIO products.  

This partnership gives brokers more ways to support a wide range of customers with mortgages that are simple, predictable, and built for the future. 

We work closely with a select group of FCA-authorised intermediaries. If your firm is not partnered with us yet, you can register to stay informed about future chances to join the panel. 

Have a question or a case to discuss? Our team is here to help! Call us on 0333 344 1013 or use webchat during office hours. 

Correct at time of publication.

Around 150,000 people come to the UK each year on a Skilled Worker visa*. Many of these are Health and Care professionals supporting the NHS. 

For these workers, buying a home in the UK can be challenging. Some high street lenders ask for deposits of up to 25% if applicants do not have Permanent Rights to Reside. 

How Perenna helps? 

We offer lending of up to 95% LTV and 6× LTI for Skilled Worker applicants who meet our criteria. Joint applications are also accepted if the Skilled Worker meets the £50,000 minimum income. 

To qualify, applicants must meet the following criteria: 

• A minimum annual income of £50,000 for the visa holder. 

• A minimum residency in the UK of 18 months, with at least 12 months remaining on their visa. 

At Perenna, we are proud to support Skilled Workers with solutions that make homeownership possible, even in a challenging market. 

Our high-LTV lending options give brokers the tools to help clients achieve their goals with confidence and stability. 

Want to see how Perenna can help your clients? Explore our products, check eligibility, or get in touch with our team for guidance on complex cases. 

*Why do people come to the UK? Work – GOV.UK

Correct at time of publication

This case study shows how your clients can still get strong affordability with Perenna, even at higher LTVs*. 

Case study overview 

Two applicants, each earning £30k per year, are looking to buy a new home at 95% LTV. 

They have: 

• One dependent child 

• A £200 per month loan 

• £2,500 on a credit card 

Despite these commitments, they are still able to achieve 6x their joint LTI with Perenna*. 

With house prices growing faster than people’s incomes, buying a home is getting harder, particularly for those with smaller deposits or typical salaries. More buyers need solutions that can help close this gap in a safe and sustainable way. 

How Perenna Helps? 

Perenna’s Long Term Fixed Rates and Fixed for Life products are built to give families the stability they need and the flexibility they want. By fixing for the long term, customers get the confidence of predictable monthly payments, without the stress of short-term rate changes or the need to keep switching products. 

Why it matters? 

Helping someone buy a home is not just the mortgage transaction. It is about providing products that support long-term financial wellbeing and make that first step possible. 

With Perenna, more families can access the borrowing they need in a way that is sustainable, transparent, and built for the long term. 

*Subject to criteria.

Calculations correct at time of publication. 

For professional intermediaries only.  

On 5th November, brokers joined Janet Frame and Graham Laverty to see how Perenna’s long-term fixed-rate mortgages help clients plan with confidence and make brokers’ lives simpler. 

The session showed Perenna’s strengths and how our long-term fixed rates give brokers and clients more choice and confidence. 

Who was it for? 

Brokers looking to: 

• Understand updates to our long-term fixed range. 

• Learn how our flexible criteria can support a wider range of clients. 

• Refresh their knowledge of Perenna’s approach and proposition. 

We had strong attendance, with engagement throughout the Q&A session. Brokers asked thoughtful questions that showed how valuable the session was for their day-to-day work. 

What did we cover? 

Janet and Graham opened with an overview of Perenna and our key strengths, then explained how our long-term fixed rates give brokers the tools to offer clients certainty and stability. 

Key updates included: 

• New 7, 10, and 15-year fixed rates for more choice and flexibility 

• No ERC if a client sells, moves, or repays using their own funds 

• 10% annual overpayment allowance during the fixed period 

• No maximum age

• Up to 6x income (subject to criteria) at 95% LTV 

Using real examples, they showed how Perenna helps clients—from first-time buyers to later-life borrowers. 

Broker Q&A highlights 

The session featured pre-submitted and live questions, including: 

• Affordability for self-employed and older clients 

• Capital raising and interest-only options 

• Lifetime mortgages as repayment vehicles 

• Use of cryptocurrency and gifted deposits 

Janet and Graham tackled every question, showing Perenna’s flexible, common-sense approach to lending and case support. 

Missed it? 

Do not worry if you could not join live, we will be sharing clips and highlights from the session soon on LinkedIn. 

In the meantime, explore our long-term fixed rate range here: Long-term fixed rate mortgages | Perenna Brokers 

For personal support, contact our team: Contact Us | Perenna Brokers 

Stay tuned for our next Perenna Live session! 

Correct at time of publishing. 

We have expanded our range with new 7, 10 and 15-year fixed-rate products. These products are designed to give your clients financial confidence that lasts. 

At Perenna, we believe homeowners shouldn’t have to worry about rising interest rates. 

That’s why our long-term fixed rates offer both stability and flexibility. Your clients have peace of mind with fixed payments for a longer period – with no ERCs if they sell or move, and no other hidden penalties. 

Key features 

• Fixed rates from 7 to 15 years 

• No ERCs when clients sell – freedom to move when life changes 

• 10% annual overpayment allowance during the fixed period 

• Borrow up to 6x income at 95% LTV, subject to criteria 

• No maximum age 

Why it matters? 

In a market where certainty is key, these products help you provide tailored solutions for clients, from first-time buyers to later-life borrowers. 

Help your clients secure long-term stability with our 7–15 year fixed mortgages. 

For more information, check out our full product range. 

You can find out more about our long-term fixed rate mortgages here. 

Rates and content correct at time of publication. 

For professional intermediaries only.