Residential and buy-to-let rates have reduced for both new and existing customers.

The lender is now offering a sub-5% five-year fixed rate.

The Bank has introduced changes to minimum experience and maximum loan term criteria.

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Bridging rates have reduced across both its fixed and variable products on both residential and commercial property types.

The lender has also made a series of enhancements to its second charge range.

Rates have reduced across standard, interest-only, retirement interest-only and lifetime mortgages.

High LTV mortgages have seen the largest rate reductions.

The Society is removing application fees until the end of March.

The Society says the initiative means it can now "flex its affordability stress test".