Accord Mortgages is cutting rates on both its residential and buy-to let product ranges this week.

Effective from 22 October 2026), the intermediary-only lender is trimming selected residential fixed rates by up to 0.06% across all loan-to-values (LTVs), benefiting a wide range of borrowers.

The changes also apply to the lender’s £5k Deposit Mortgage, which was specifically designed for first-time buyers.

For landlords seeking a buy-to-let mortgage, reductions start from 0.06%, with rates reduced by up to 0.69% for house purchase products up to 80% LTV, and discounts of up to 0.23% at 75% LTV. For those looking to remortgage, rates reduce by as much as 0.68% up to 75% LTV, with reductions of up to 0.53% for those seeking a product at 80% LTV.

Highlights of the range refresh for residential borrowers include:

A two-year fixed rate at 5.16% (was 5.22%) for house purchase at 75% LTV, which comes with a £1495 fee and standard valuation

A fee-free five-year fix for first-time buyers with just a £5,000 deposit at 6.52% (was 6.58%) which comes with standard valuation.

Buy-to-let highlights include:

A two-year fixed rate at 5.89% (was 6.42%) for remortgages at 80% LTV, which comes with a £995 fee, standard valuation and remortgage legal service

And a two-year fix at 5.84% (was 6.02%) for house purchase at 80% LTV, which comes with a £995 fee, and standard valuation.

ModaMortgages has expanded its 80% LTV offering by adding eight new products to its existing core buy to let range aimed at individual and limited company landlords with single dwelling properties and those looking to purchase HMOs and MUFBs with up to six bedrooms or units.

Borrowers can select between two and five-year fixed rate products, with a choice of 2% and 5% product fees and free valuations available on all property types, including HMOs and MUFBs.

Product fees can be added to the loan amount up to 80% LTV, while pound for pound remortgages on two-year fixed rate products are stressed at pay rate up to 80% gross LTV.