The latest changes see five-year fixed rates at 75% LTV reduced by 10bps, while five-year 80% LTV standard products have been cut by 5bps.

Rates now start from 4.84% for standard properties and 4.94% for small HMOs and MUFBs.

Across the two-year range, rates at 75% LTV for both standard properties and small HMOs and MUFBs have also reduced by 5bps, with rates starting from 3.29% and 3.39% respectively.

The lender continues to have free valuations and no application fee across its limited-edition buy-to-let range, including HMOs and MUFBs, with loans available to individual and limited company landlords up to 80% LTV.

Becki Fraser-Tucker, head of sales at ModaMortgages, said: “We’re always looking at where we can sharpen our range and give brokers more opportunities to place cases, so it’s great to be able to bring through these latest reductions across some really key products.

“Cuts across both our two- and five-year ranges, particularly at 75% LTV, mean brokers have even more flexibility when finding the right fit for their landlord clients. And with our limited-edition products continuing to offer free valuations and no application fee, there’s real value there straight away.”

Accord Mortgages is cutting rates on its residential new business product range next week, as well as reducing minimum loan sizes on lower LTV products.

Effective from 8am on 6 July 2026, the range refresh includes reductions on two-year fixes by up to 30bps, with three-year rates reduced by as much as 29bps.

For borrowers looking for longer-term stability with a five-year fix, options include products with rates reduced by up to 21bps.

Accord is also reducing minimum loan size requirements on selected products up to 75% LTV from £50,000 to £30,000.

It has also relaunched a range of products at 65% LTV with rates starting from 4.47%, and 80% LTV with rates starting from 4.54%.

Accord Mortgages managing director Jeremy Duncombe said: “We’re so pleased to be able to reduce rates on a wide variety of product options, including our innovative 5K Deposit Mortgage, which was specifically designed to offer borrowers with just a £5,000 deposit the chance to fulfil their home ownership dreams. We’re also offering more flexibility and choice for those with smaller borrowing requirements by reducing our minimum loan size.”