UTB has reduced its maximum loan-to-value for residential mortgages from 95% to 90%.
The lender is also raising rates across its super prime, prime plus, prime, near prime and specialist product ranges by 20 basis points.
Both changes will take effect from tomorrow.
However, UTB says that all pipeline applications on existing products will be honoured, provided that an offer is issued on or before June 30.
Following the price increases, super prime rates will start from 5.14% for a two-year fixed, 5.29% for a three-year fixed and 5.34% for a five-year fixed.
A five-year fixed with no early-repayment charge will start from 6.54%.
Prime plus rates will start at 5.34% for a two-year fixed, 5.49% for a three-year fixed and 5.54% for a five-year fixed.
Prime rates will be available from 5.99% for a two-year fixed, 5.94% for a three-year fixed and 6.39% for a five-year fixed.
Near prime rates will start at 6.69% for a two-year fixed, 6.64% for a three-year fixed and 6.69% for a five-year fixed.
Specialist rates will be available from 6.89% for a two-year fixed, 6.84% for a three-year fixed and 6.89% for a five-year fixed.
