The biggest reductions are across Landbay’s small HMO/MUFB range.

Despite rising choice, average rates across two and five-year fixes at 95% LTV are higher than at the start of 2025.

Rates have reduced by up to 0.25%.

Rates now start from 4.14%.

Rate cuts apply for both new and existing borrowers.

Remortgage and product transfer deals have seen the largest reductions.

Rates have reduced by up to 0.28%.

The bank has also launched new green mortgage products.

The lender has increased higher-LTV mortgage rates.

The Society has increased the maximum LTV and enhanced its limited company lending criteria.