The lender’s updated residential range now includes a two-year discount deal at 80% LTV with a pay rate of 4.99% or a two-year fixed at the same LTV for 5.04%.

At 90% LTV two-year discount rate is now priced at 5.39% and and a two-year fix at 5.33%.

The products have a £999 fee and £250 cashback.

In its buy-to-let range the lowest rate is now a two-year fixed at 4.89% up to 65% LTV.

Head of customer strategy Jonathan Cartlidge says “While we aim to remain competitive for our brokers, it is crucial to note that we do not use credit scoring. 

“Each case is individually reviewed by an experienced underwriter, enabling us to handle complex cases with a flexible approach in our decision-making process.”