Together has relaunched its two-year fixed-rate personal and commercial finance products.

The lender has reintroduced its two-year fixed personal finance products and its two-year fixed rate buy-to-let (BTL) mortgages on first and second charge.

It has also brought back its five-year commercial mortgage, which was withdrawn in response to market volatility following the former Chancellor’s mini budget in September.

Together has also lowered rates on its five-year fixed first and second charge, and BTL mortgage ranges, which it relaunched to the market last month.

The lender’s two-year fixed-term personal mortgage rates start at 8.45% for first charge at 65% loan-to-value (LTV) and 8.95% for second charge at 65% LTV.

These mirror the rates of its standard BTL two-year fixed product range on first and second charge.

Five-year fixed mortgage rates have been lowered from 8.75% to 8.45% for first charge at 65% LTV and from 9.35% to 8.65% for second charge at 65% LTV.

The rates for its standard and second charge five-year BTL products have been reduced by the same amount.

The rates for its reintroduced five-year fixed commercial term products start at 10.49%, at a maximum LTV of 70% on properties valued at up to £2.5m.

Together director of products and distribution Ryan Etchells says: “We’re delighted to be able to relaunch our two-year fixed-rate products to support intermediaries and their clients in an ever-changing market.”

“The uncertainty during a challenging period immediately after the mini-budget has now subsided, giving us the confidence to re-introduce Together’s two-year fixed-rate mortgages. In addition, we’ve lowered rates on the five-year fixed products we brought back to market in October.”