Suffolk Building Society has cut rates by up to 0.20% across 10 fixed rate products, including several in its expat and holiday let ranges.
The changes, which take effect from today, 11th November 2025, apply to selected residential, expat residential, buy-to-let, expat buy-to-let and holiday let products on both capital and interest and interest-only bases.
The reductions follow recent declines in swap rates.
Among the updated pricing, expat residential 5-year fixes at 80% loan-to-value (LTV) have fallen to 5.25% on capital & interest and 5.45% on interest-only.
The expat residential 5-year fix at 90% loan-to-value (LTV) has reduced to 5.55%.
In the standard residential range, the 5-year interest-only fix at 80% LTV has been cut to 5.29%.
For the society’s buy-to-let range, the expat 5-year fix at 80% LTV has been reduced to 5.45%.
For UK landlords, the 2-year fixed rate at 80% LTV is now 5.19% and the 5-year fixed is now 5.25%.
The society has also reduced pricing across its light refurbishment and holiday let ranges, with the holiday let 5-year fixed rate at 80% LTV now at 5.29%.
Six 2-year fixed rate expat and holiday let products will also receive extended end dates to ensure borrowers benefit from a full 2-year fixed period.
Product information has been shared with intermediaries by email, and updated details are available via the society’s Mortgage Product Finder.
Charlotte Grimshaw, head of intermediaries at Suffolk Building Society said: “We’re keen to pass on the benefits of the recently lowered swap rates to brokers and customers.
“There have been multiple reports of potential buyers delaying decisions until after the Budget, and with existing homeowners expressing trepidation over tax increases, these reductions will hopefully be welcome news.
“It improves our overall proposition for those seeking expat and holiday let products for their clients. These have always been important niches for us as a society, and we remain committed to providing solutions that work for those who need them.
“Our criteria and manual underwriting approach make it possible to find a mortgage to suit even the most unusual of circumstances, and with these latest reductions, we continue to be a good solution for those who don’t fit with the high street.”
