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Haines is the former CEO of Principality Building Society.

The pair have a combined 55 years of experience in commercial banking.

Residential rates are reducing at lower LTVs but increasing at 95% LTV.

The partnership will create a more streamlined, transparent, and efficient legal process for shared ownership cases from application through to completion.

The highest number of homes listed for sale for a decade and falling mortgage rates signal good news for first-time buyers, Zoopla says.

Mahmood has previously held sales roles at TML, Metro Bank and Alexander Hall.

Just 36% of finance IT leaders prioritise security during AI implementation and only 34% plan to invest in employee training for secure AI use.

Rates have reduced across the lender's premier, core and specialist ranges.

Flexible facilities are available on a first or second-charge basis, including combinations, and can include residential, mixed-use and commercial properties.

Buy-to-let rates have also reduced by up to 0.24%.