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Skipton International Introduces New 3-Year Mortgage Products and Reduces Buy-To-Let Mortgage Rates for New Customers
Buy-to-let mortgages allow investors in the UK property market to build a portfolio of properties and generate steady income from rental properties. Any property purchased in the UK for the purpose of renting out, requires a buy-to-let mortgage.
Skipton International’s new 3-year mortgage product offers competitive rates and make the start of the year the perfect time to investigate the purchase of a UK property for rental purposes.
- Reduced Rates: New business 5-year fixed rates now start at 4.99%.
- New Products: A 3-year fixed rate has been introduced, starting at 5.89%.
The reductions have been applied across its product range, including for both purchase and remortgage applications, with effect from Monday 13 January 2025.
“UK property purchases are proving a solid investment for non-UK residents, with a year-on-year increase in property values, a surge in demand for available rental properties, and higher rental income achieved than ever before,” said Lorraine McLean, Senior Mortgage Sales Manager, Skipton International.
UK high street banks are typically hesitant to lend to foreign nationals due to concerns about lack of established financial history in the UK, and potential challenges in enforcing loan agreements across borders.
However, Guernsey-licensed bank Skipton International offers a solution by providing mortgage options for British expats and non-UK residents from places like Hong Kong or Singapore, allowing them to buy property while navigating these lending restrictions.
The UK’s transparent legal system provides security for property rights, a significant draw for expats and non-UK residents from countries with less stable markets. Furthermore, the streamlined restrictions on foreign buyers allows non-UK residents to enter the market easily, provided they can secure financing.
“The UK’s buy-to-let sector has remained strong despite interest rate fluctuations. Recent developments look promising, and the Bank of England’s November 2024 rate cut to 4.75% signals good news for property investors, and projections indicate rates may fall to 4.2% by 2026. The market continues to grow steadily with high rental demand and landlord profitability rates reaching 87%,” added McLean.
Skipton’s approach makes gaining a UK mortgage for buy-to-let properties as stress free as possible including easy to use UK mortgage calculators to estimate how much to borrow, and the monthly repayments for the required loan size.
Skipton International is also a part of the Skipton Group, which includes the UK’s Skipton Building Society and Connells, the UK’s largest real estate agency.
Skipton’s Guernsey Advantage
Skipton is registered in Guernsey, an offshore island affiliated with England, but with its own laws as a British ‘Crown Dependency’. A highly regulated jurisdiction, Guernsey gives reassurance to anyone with financial dealings on the island.
Skipton’s new rates will also be available to its global network of brokers in addition to direct applications.
For further information, visit: England, Scotland and Wales Buy-To-Let mortgages
| Product fee:
|
Purchase: £1,999
Remortgage: £999
|
| Valuation cost:
|
Purchase: Cost included in Product Fee.
Remortgage: Cost included in Product Fee
|
Hashtag: #skiptoninternational
The issuer is solely responsible for the content of this announcement.
About Skipton International
Skipton International offers a range of offshore savings accounts and is one of the Channel Islands’ leading mortgage lenders for residential Channel Island mortgages and UK buy-to-let mortgages for expats and non-UK resident nationals. It is a three-times winner of the Moneyfacts ‘Offshore Bank Account Provider of the Year’ award 2021, 2022 and 2023, and the Mortgage Introducer ‘Top Mortgage Employer’ Award 2022, 2023 and 2024.
Skipton International is part of the
Skipton Group, includes Skipton Building Society, and the UK’s largest estate agency,
Connells.
Skipton International is licensed under the Banking Supervision (Bailiwick of Guernsey) Law. Skipton is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for ‘qualifying deposits’ up to £50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any five-year period. Full details are available on the Scheme’s website www.dcs.gg or on request. To help maintain service and quality, telephone calls may be recorded and monitored.
Skipton International has a customer service rating of 4.7 / 5 according to Feefo, an independent online assessor of customer service, and is a five-times Platinum award winner as a trusted provider.
www.skiptoninternational.com
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Sincere Healthcare Group and Landmark Medical Centre Unite to Strengthen Cross-Border Patient Care Between Singapore and Johor Bahru
Integration improves access and continuity of specialist care across Singapore–Malaysia border
SINGAPORE –
For patients, this integration translates into a more coordinated and reassuring healthcare experience — particularly for those who travel between Singapore and Johor Bahru for consultations, treatment, follow-up care or second opinions. It reflects a broader regional focus on enabling care closer to home while maintaining high clinical standards and specialist access.
Shared Medical Heritage, Aligned with Patient-Centred Care
Both Sincere and Landmark were founded by clinicians who believe that good medicine begins with ethics, compassion and respect for patients. Landmark’s clinical foundation was established by Dr Robert Luk Tai Kong and continues under the leadership of Dr Lucas Luk, Managing & Medical Director, who has guided the centre’s steady growth while preserving its patient-first ethos.
Sincere Healthcare Group was founded by Prof Ng Soon Chye, a pioneer in fertility medicine whose contributions helped shape Assisted Reproductive Technologies (ART) in the region. Today, Sincere has grown into a multi-centre healthcare group providing obstetrics and gynaecology, women’s and men’s health, fertility care, minimally invasive and robotic gynaecological surgery, and colorectal services.
“Landmark has always focused on specialised care delivered with personal attention and clinical integrity,” said Dr Lucas Luk. “Integrating with Sincere allows us to expand our specialist support while preserving what patients value most — trust, familiarity and continuity of care.”
Supporting Seamless Cross-Border Care
Cross-border healthcare has become increasingly relevant as patients seek timely access, specialist expertise and flexible care options. This integration strengthens a clear, coordinated care pathway between Singapore and Johor Bahru, aligning with broader healthcare strategies that encourage collaboration, efficiency and patient mobility across the region.
Landmark’s central location in Johor Bahru near the Woodlands entry point, combined with Sincere’s presence near Tuas, allows patients to move more easily between care settings. Services in obstetrics and gynaecology, fertility treatment, and women’s and men’s health are now better connected across the two networks.
“Our focus has always been on how patients experience care,” said Ms Koh Lee Lee, Group Chief Executive Officer of Sincere Healthcare Group. “This integration supports a more holistic and connected approach, allowing patients to receive appropriate care at the right place and time, across Singapore and Malaysia.”
Expanding Care While Preserving Trust
Importantly, Landmark Medical Centre will continue operating under its established name, care teams and clinical philosophy. Patients can expect the same familiar doctors and environment, now supported by a broader specialist network, shared clinical standards and enhanced collaboration within the Sincere group.
“Medicine should always be guided by what is right for patients,” said Prof Ng Soon Chye, Medical Chairman of Sincere Healthcare Group. “By working together, we can strengthen care pathways, share expertise and support better outcomes for the people who trust us with their health.”
Looking Ahead
The integration represents a meaningful step in building sustainable, patient-centred healthcare capacity across the Singapore–Malaysia corridor. Continued investment in medical programmes, technology and specialist collaboration will support long-term care needs while complementing national healthcare priorities focused on quality, access and continuity.
For patients, the message remains simple: more access, more expertise and the same commitment to compassionate, ethical care — now delivered through a more connected cross-border healthcare network.Hashtag: #sincerehealthcaregroup #landmarkmedicalcentre #crossborderhealthcare #womenshealth #menshealth #obgyn #gynaecology #singaporehealthcare #johorbahruhealthcare #SGhealthcare #JBhealthcare #SingaporeMalaysia #integratedcare #specialistcare #continuityofcare
https://www.sincerehealthcaregroup.com/
https://www.linkedin.com/company/sincere-healthcare-group/
https://www.facebook.com/sincerehealthcaregroup/
https://www.instagram.com/sincerehealthcaregroup/
https://www.tiktok.com/sincerehealthcaregroup
The issuer is solely responsible for the content of this announcement.
Sincere Healthcare Group Pte Ltd
Sincere Healthcare Group is a private healthcare network in Singapore and Malaysia specialising in obstetrics and gynaecology (O&G), reproductive medicine, fertility care, and advanced women’s and men’s health services. Its centres provide comprehensive programmes including IVF, andrology, prenatal care, diagnostics, minimally invasive surgery and women’s health screening. Supported by experienced specialists, modern laboratories and technology-enabled systems, Sincere serves local and international patients seeking ethical, evidence-based care. Its portfolio also includes colorectal conditions, endoscopy, colonoscopy and laparoscopic surgical services. Expanding its regional presence, Sincere has established a Patient Liaison Centre in Shanghai, China, to support patients seeking fertility consultations and coordinated cross-border care.
Landmark Medical Centre Sdn Bhd
Landmark Medical Centre is a well-established healthcare provider in Johor Bahru, founded in 2005 and recognised for its trusted legacy, strong clinical leadership, and commitment to patient-centred care. It offers multidisciplinary services with core strengths in women’s health, obstetrics and gynaecology, surgical care, and general health services. Guided by medical integrity and long-standing community relationships, Landmark continues to deliver quality medical care supported by experienced clinicians and modern clinical facilities.
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Japan’s Largest Anime Specialty Store Lands in Hong Kong – Animate Hong Kong’s Mong Kok Direct Store Officially Opens Today
The new Animate Hong Kong is situated on the fourth floor of T.O.P, directly connected to Mong Kok MTR Station for convenience. Since Mong Kok is a gathering place for local trend culture and young consumers, it was chosen as the location for Hong Kong’s first direct-operated store.
Introduced Direct Operation Model from Japan for More Comprehensive New Products
The Hong Kong store operates under a direct management model from the Japanese headquarters, significantly upgrading product supply, including:
- Faster availability of Japan’s latest anime peripherals, manga, and audiovisual products.
- Many products can be launched simultaneously with Japanese stores.
- A more stable supply of limited items and store exclusive bonuses.
The Animate direct-operated store can considerably shorten the time difference in launching new products, offering a shopping experience closer to that of Japanese stores.
Launching Limited-Time Offers and Activities for Opening
To celebrate the opening, Animate Hong Kong is offering several locally exclusive shopping privileges and opening events, including:
- Commemorative opening limited offers.
- Elegant gifts based on spending amounts.
- Thematic exhibitions of selected works.
- Limited-time collaborative projects.
More information about the activities will be announced on the official X, Facebook, and Instagram accounts.
The brand hopes that the new store can become a communication hub for Hong Kong anime fans and attract more local and overseas visitors.
【Store Information】
- Store Name: Animate Hong Kong
- Opening Date: December 23, 2025
- Address: Shop 409A / 409B / 411, 4th Floor, T.O.P This is Our Place, 700 Nathan Road, Mong Kok, Kowloon
- Business Hours:
- Monday to Thursday: 12:00–21:30
- Friday to Sunday and Public Holidays: 11:00–22:00
- Official X: https://x.com/animate_HK
- Official Facebook: https://www.facebook.com/animatehongkong
- Official Instagram: https://www.instagram.com/animate_hk/
Hashtag: #Animate
The issuer is solely responsible for the content of this announcement.
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Dhanarak Asset Development Unveils Thailand’s First Green Government City at Government Complex Bangkok
Under the leadership of Dr. Nalikatibhag Sangsnit, President of DAD, the multi-year redevelopment program reimagines state-owned land, one that treats public land not as a bureaucratic perimeter, but as shared civic infrastructure that prioritizes people, health, and nature.

“For decades, government districts in Thailand were designed to manage paperwork, not people,” Nalikatibhag said. “We wanted to reverse that logic. A city, especially a city owned by the state, must first work for human life: how people walk, how they rest, how they breathe, and how they coexist with nature in their daily routines.”

From Bureaucratic Grey to Green Living
The centrepiece of the initiative is the newly opened 5.1-rai landscaped connector between Buildings B and C, a site that once functioned primarily as a traffic corridor and noise buffer. The area has been transformed into a pedestrian-friendly green passage linking offices, transit access points and communal spaces within the Government Complex.
Designed as urban infrastructure, a climate buffer reduces heat, improves water absorption and supports daily movement across the site. It also opens previously restricted government land to wider public use, blurring the boundary between administrative space and the city around it.
The project aligns with Thailand’s broader sustainability frameworks, including environmental, social and governance (ESG) principles and the government’s bio-circular-green (BCG) economic model. Design features focus on expanding tree canopy, increasing permeable surfaces and creating flexible areas that can support exercise, informal gatherings and community activity.
A Scalable Blueprint for State-Led Urban Transformation
Over the past six years, DAD has increased green spaces within the Government Complex by more than 47 rai, and when combined with adjacent landscaped zones, the total reaches over 138 rai, creating one of northern Bangkok’s largest continuous public green areas.
Nalikatibhag describes the City of Green Lifestyles concept not as a one-off redevelopment, but as a template for future public-sector land use, particularly in rapidly urbanising Asian cities where governments remain among the largest landowners.
“This is about proving that sustainability is not an added cost or a branding exercise,” he said. “When green infrastructure is designed as part of the system, when it improves health, reduces stress, lowers energy demand and invites public use, it becomes economically rational and socially inevitable. The role of the state is not only to regulate cities, but to set an example of how cities should be lived in.”
Global Recognition for Innovation
DAD’s sustainability efforts have earned international acclaim. In 2025, the company became the only public-sector organisation to win the Asia-level International Innovation Awards for two consecutive years, recognising its Government Complex Smart City initiative and the GCC Super Application, a digital platform integrating transport, navigation, and public services within the complex.
The awards, selected from more than 160 entries across 30 countries, underscore Thailand’s growing leadership in sustainable and technology-driven public sector transformation.
Redefining the Role of the State in City-Making
Unlike large-scale urban megaprojects, the Government Complex Bangkok initiative relies on system-based, incremental transformation, repurposing existing assets instead of acquiring new land. Urban policy analysts note that this approach provides a scalable blueprint for other governments managing extensive real estate portfolios.
“A government city should not feel separate from everyday life,” Dr. Nalikatibhag said. “If public space eases the intensity of daily life, improves health and restores a sense of balance between people and nature, then governance itself becomes more humane.”
Hashtag: #CityofGreenLifestyles #GovernmentComplexBangkok #Nalikatibhag #Thailand
https://www.dad.co.th
https://www.facebook.com/DhanarakAssetDevelopment/
The issuer is solely responsible for the content of this announcement.
Dhanarak Asset Development Co., Ltd.
Dhanarak Asset Development Co., Ltd. is a state-owned enterprise under Thailand’s Ministry of Finance, responsible for managing and developing the Government Complex and related assets. DAD is committed to advancing sustainable, human-centered urban development and creating models for environmentally and socially responsible government infrastructure.
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