Members will have access to a five-year fixed rate of 5.49% (until 30 September 2029). This will be available to first-time buyers, home movers or those looking to remortgage. The maximum loan is £300,000.

Crucially this deal will be available over a 40-year term to help with affordability hurdles. Darlington BS flexible underwriting approach also ensures that non-guaranteed streams of income, such as overtime, bonuses and commission, can be taken into account to help boost the amounts individuals can borrow.

Sesame Bankhall Group group partnerships & propositions director Stephanie Charman says: “Our focus at SBG is on working with our lending partners to give Sesame and PMS members access to products and solutions that will provide the best outcomes for their customers.

“This exclusive offer helps to do that, with a combination of a competitive rate, high LTV and underwriting flexibility, offering a solution to those without a large deposit and looking to take their first or next step onto the property ladder.”

Darlington Intermediaries head of intermediary distribution Chris Blewitt adds: “Those with low deposits are among the most in need of innovation and support given the current challenges in the housing market.

“Working exclusively with Sesame Bankhall Group, I am delighted that we have been able to offer a 95% LTV product, available nationally, and supported with an affordability model to help ensure that those looking to purchase a home for the first time can sensibly afford to get on the property ladder.”