The new products expand the bank’s buy-to-let product range which is also available to limited company applicants.

Patrick Bamford, head of international business development at Qualis Credit Risk, explores the FCA's recent Discussion Paper on improving access to first-time buyer mortgages.

Average rates have fallen by 0.62% in the past year, saving borrowers £888.

Coventry launched its first product specifically for limited company landlords earlier this year.

The launch of the new products complements Atom’s existing range of near prime mortgages.

The high-LTV product range is available to first-time buyers or existing homeowners looking to purchase, upsize or remortgage.

The specialist lender has also reduced residential rates by up to 0.30%.

The Society has made several cuts at 95% LTV.

Rates across Nationwide's residential range start from 3.84%.

High LTI lending by individual lenders can now exceed 15% of their total number of new residential mortgages.