Openwork advisers can now access Perenna’s range of prime residential mortgages, giving them more options to support their clients. 

Our mortgages can help advisers support more clients with: 

• Increased borrowing power – up to 6x income, subject to criteria. 

• No ERCs when selling on our 5, 7, 10 and 15-year fixed rate products. 

• No maximum age limit – helping support a wider range of borrowing needs. 

• Flexible underwriting for more complex cases, subject to criteria. 

• New build lending up to 95% LTV on houses, with developer deposit contributions accepted, subject to criteria. 

We look forward to working with Openwork advisers and helping them support more clients with flexible mortgage options and great service. 

For professional intermediaries only.

Correct at time of publishing.

We’re delighted to have been named Best Mortgage Industry Newcomer at the What Mortgage Awards 2026. 

This award is a fantastic recognition of everything our team has achieved over the past year. From launching innovative products to supporting brokers and helping more people access homeownership, we’ve remained focused on building a bank that’s designed around real life. 

A huge thank you to our colleagues, broker partners and customers for your continued support, and congratulations to all of this year’s finalists and winners. 

We’re incredibly proud of this milestone and look forward to continuing to make homeownership simpler, more flexible and more accessible.

For professional intermediaries only.

Correct at time of publishing.

Rates move. Headlines change. Clients notice quickly. 

What they need isn’t urgency, it’s clarity. 

What clients are experiencing 

In changing markets, clients are often: 

• unsure whether to act or wait  

• concerned about affordability  

• worried about rising payments  

This is where clear, practical guidance matters most. 

Moments like this highlight the value of advice. 

Brokers help clients: 

• understand their options  

• avoid rushed decisions  

How Perenna supports your cases 

We focus on helping you place cases with confidence. 

Key features: 

• Fixed rates from 5–15 years  

• Up to 95% LTV (where criteria allow)  

• 10% annual overpayments  

• No ERC on sale or move (subject to criteria)  

Designed to support: 

• Help to Buy exits  

• Higher-LTV remortgages  

• Clients with complex or non-standard profiles  

Why it matters? 

When markets shift, the goal stays the same – to help clients stay in control 

Flexible, longer-term options can: 

• reduce uncertainty  

• support planning  

• avoid unnecessary churn  

Markets will always change. 

Clear criteria, flexible products, and practical support help you keep clients on track – whatever happens next. 

Speak to the team or explore our range. 

For professional intermediaries only.

Correct at time of publishing.

The session focused on one key question – How do you give clients certainty without locking them in? 

The webinar addressed common broker challenges, such as: 

• Positioning medium-term fixes 

• Simplifying advice conversations 

• Maintaining flexibility for clients 

Janet and Graham shared live case examples showing how the 5-year fix supports clients who want: 

• Payment certainty 

• Flexibility if circumstances change 

• An alternative to short- or long-term commitments 

During the q&a, brokers also asked practical questions about: 

• Early repayment charges 

• Overpayments 

• Affordability 

• Foreign national criteria 

Each point was answered clearly, with practical guidance brokers could use straight away. 

Feedback was positive, with attendees praising Graham and Janet for their practical, case-focused approach. 

Missed it? Clips and highlights will be shared on LinkedIn. 

You can also explore Perenna’s full product range or speak to our Business Development & Intermediary Support team about current cases. 

Look out for future Perenna Live sessions coming soon.

Correct at time of publishing. 

Perenna has been named Best Newcomer and Best Relationship Management at the Smart Money People Awards! 

These awards are based on real broker feedback, making them especially meaningful to us. 

What the brokers said matters most: 

• Clear and consistent communication 
• Strong support from Business Development, Intermediary Support and underwriting team 
• A relationship-led approach 

Brokers also praised our practical lending approach and long-term fixed rates, which give clients confidence and stability. 

At Perenna, strong partnerships make placing cases easier and help us support brokers every step of the way. 

We are grateful to all brokers who shared their feedback and continue to work with us. Your insight helps us improve, evolve, and keep delivering what matters most. 

Keep an eye on our LinkedIn feed, where we will be sharing some of the fantastic feedback we received. 

Correct at time of publishing. 

We are pleased to announce a new 5-year fixed mortgage in our range.

This gives brokers another flexible way to support clients.

Features:
• 5-year fixed rate, followed by the Perenna Reversion Rate (PRR)
• Rates starting from 4.68%
• 10% annual overpayment allowance
• Flexible ERCs – no charges if your client sells, moves, or repays with their own funds
• Up to 6x income at 95% LTV, no maximum age (subject to criteria)

This new product gives you another option to help clients access flexibility with structure. Alongside our 7, 10, and 15-year fixed products, Perenna continues to provide simple, transparent long-term solutions.

You may have spotted it on our socials – on 27th November, our team joined advisers, business owners, and introducers at the ICC in Birmingham to celebrate 25 years of Mortgage Advice Bureau at the MAB Conference. 

It was a busy day full of insight, learning, and conversations about the future of mortgage advice. 

Advisers visited stands, caught up with lenders and providers, and joined quick seminars on the trends set to shape the intermediary market in 2025. 

Our team spent the day with advisers, showing how Perenna’s 7–15 year fixed-rate mortgages give clients certainty and flexibility. Long-term stability is still a top priority for brokers and their clients. 

Our branded giveaways were a hit, with stress balls and playing cards flying off the stand first – proving that a little fun goes a long way in starting conversations! 

And then there was our balloon walkaround. It didn’t just turn heads – it got people talking! It was the perfect way to spark conversations and showcase Perenna’s bold presence across the venue (watch this space on LinkedIn for more highlights)! 

John Davison, Head of Product, Proposition & Distribution, said: “It was a great chance to reconnect with advisers and see how our long-term fixed solutions can support their clients. The demand for certainty and flexibility has never been higher.” 

Our three key takeaways 

1. 1. Certainty is top of mind
   Brokers are seeing clients demand long-term stability. Solutions like Perenna’s 7–15 year fixed rates help clients reduce risk and plan with confidence, giving you a clear value proposition to highlight. 
2. 2. Innovation drives the market
   Advisers are embracing flexible products and fresh advice models. Staying ahead with innovative solutions can help you stand out and better meet client needs. 
3. 3. Partnerships matter
   Face-to-face conversations proved the power of collaboration. Strong relationships with lenders and providers make your advice more relevant, and your clients’ outcomes stronger. 

Thank you to everyone who stopped by our stand, shared feedback or took the time to learn more about Perenna’s products. 

If we didn’t get a chance to catch up with you on the day, we would still love to speak with you! Find out how Perenna’s long-term fixed-rate mortgages can help you support clients: Contact Us | Perenna Brokers 

For professional intermediaries only. 

We are pleased to share that Perenna has been recognised once again at the 2025 Personal Finance Awards, one of the industry’s most trusted consumer-voted programmes. 

This year, we are proud to have been named Best Remortgage Lender for the second year in a row. 

This award reflects the trust borrowers place in our long-term fixed rate mortgages, and the strong partnerships we have built with brokers across the UK. Your support helps us deliver more certainty, flexibility and confidence to homeowners. 

We remain committed to supporting the intermediary community and working with you to create a nation of happy homeowners. We are excited for what is ahead. 

Thank you for being a vital part of our journey. 

Correct at time of publishing. 

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