Clarity continues to carry real weight in the current market. With rates shifting and clients increasingly focused on certainty, brokers are balancing price against a more fundamental question: how straightforward will this case be to place?
Our latest changes to our five-year pricing speak directly to that dynamic.
While improved pricing on five-year fixes isn’t unusual in itself, the significance here lies in how closely it reflects our approach. We’ve focused our proposition on straightforward landlord cases and this latest move builds on that foundation rather than stretching beyond it.
For brokers, that consistency is useful. It reduces the degree of interpretation required when assessing whether a case is likely to fit. There’s a clearer line of sight from initial enquiry through to completion. The enhanced pricing supports that process, giving brokers a stronger foundation for recommendation without introducing additional complexity.
Five-year products remain central to many landlord conversations, particularly for those prioritising stability. When pricing is competitive, it allows brokers to position that stability with greater confidence, supporting both the financial case and the longer-term rationale.
But it’s rarely just a rate comparison. Confidence in how a case will progress still plays a major role in lender choice. Our proposition’s been built around maintaining a straightforward route from application to completion, with clearly defined criteria and focused processes. The revised five-year range sits comfortably within that framework, reinforcing rather than reshaping our overall offering.
“Five-year products remain central to many landlord conversations, particularly for those prioritising stability”
For clients, this translates into a clearer proposition. For brokers, it supports a more direct advice process, with fewer variables to manage.
By strengthening pricing within an already well-defined space, we’re reinforcing the areas where we’re most relevant and where brokers value certainty alongside competitiveness.
About ModaMortgages
We’re ModaMortgages.
We cater to a wide range of cases – from first‑time buyers and first‑time landlords to large portfolio landlords, limited companies, HMOs, and MUFBs – giving brokers a strong, versatile option across the whole specialist buy to let spectrum.
We make Buy to Let…
Smarter.
![\"\"](\"https://fiducianetwork.co.uk/wp-content/uploads/2026/04/ModaMortgages_Brandmark_Stacked_RGB_Use-on-White-scaled.png\")
A streamlined, specialist product range built for every landlord – from first‑timers to large portfolios.
£ for £ remortgages available up to 80% gross LTV, assessed at pay rate, boosting affordability even on short‑term fixes.
Faster.
A 100% online journey that cuts out the noise and gets straight to the essentials.
Enjoy instant, consistent DIPs and desktop valuations on eligible standard remortgages – helping you move cases from submission to offer, fast.
Simpler.
Clear criteria. Straightforward processes.
Even portfolio cases stay easy – no extra forms, just a few additional questions so we fully understand the deal.
Less admin. More certainty. Fewer headaches.
![\"Fiducia](\"https://fiducianetwork.co.uk/wp-content/uploads/2024/02/Untitled-design.png\")
About Fiducia Commercial Network
Fiducia Commercial Network is a commercial finance \’Appointed Representative\’ network created to allow independent firms to provide commercial property finance and trading business finance options to their existing client base and network.
Joining the network provides opportunities for professional brokers to offer a full range of commercial finance solutions by acting as an Appointed Representative (AR) with the full support of the Fiducia Commercial Network team.
The Fiducia Commercial Network membership includes FCA authorisation and reporting, PI insurance, and NACFB membership, plus business, compliance, finance, system, and admin support from a company with over 20 years\’ experience in commercial finance.
If you\’d like to discuss joining Fiducia Commercial Network or you\’d like to apply to become an Appointed Representative…
To discuss Fiducia Commercial Network or to apply to become an Appointed Representative email the team via by clicking this link.
For all media and marketing enquiries contact – pr@fiduciagroup.co.uk
