The specialist lender has hired a regional account manager, a key account manager, and two BDMs.

James replaces Holly Morrison, who was Paragon’s BDM for Scotland before being appointed to national account manager.

90% LTV rates have seen the largest reductions.

Steve Johnson will cover East Anglia and Essex.

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Five-year rates now start from 4.84%.

The change applies to all mortgage products including residential, buy-to-let, holiday let, expat and self build.

Two and five-year fixed rates are available for both standard and specialist properties, such as HMOs and multi unit properties.

Buy-to-let rates have reduced by up to 0.35%.

The specialist lender has also added three-year fixed rate products to its DMP range.