The lender has enhanced its second charge offering with desktop valuations and digital applications.

Reductions include Pepper's limited edition remortgage only offer.

High-LTV residential rates are among the latest reductions.

The biggest reductions are across Landbay’s small HMO/MUFB range.

Despite rising choice, average rates across two and five-year fixes at 95% LTV are higher than at the start of 2025.

Rates have reduced by up to 0.25%.

Rates now start from 4.14%.

Rate cuts apply for both new and existing borrowers.

Remortgage and product transfer deals have seen the largest reductions.

Rates have reduced by up to 0.28%.