White Rose's network will now have access to the Society's lending range.

Applicants will be able to raise funds for a combination of purposes including debt consolidation, family gifting, and a deposit on a second home/buy-to-let property.

Average mortgage rates are predicted to fall to around 4% by the end of next year, driven by four Base Rate cuts in 2025.

Rates have reduced by up to 0.30%.

Most brokers are still finding opportunities in the buy-to-let mortgage space.

The Bank has also reintroduced 60% LTV green remortgage rates and new 60% and 75% LTV two-year fixes.

Rates now start from 3.64%.

The lender's interest-only fixed rates start from 5.25%.

Rates have reduced by up to 0.10%.

The expectations and reality of completion times varies significantly by age group and postcode region.