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.

The reductions see the Society launch a 'Best Buy' remortgage product.

The data also shows that new arrears cases decreased by 1.3pp between Q2 and Q3.