Residential, buy-to-let, and the newly launched limited company buy-to-let rates are all benefitting from a reduction.

Landlord borrowers can now earn £2,000 cashback by utilising two incentives from Fleet.

The lender has launched new fee-free options and reduced limited edition rates.

Five-year fixed rates now start at 4.09%.b

The lender is reducing all two-year fixed mortgage products by 15 basis points.

Keystone Property Finance has reduced rates by up to 10 basis points.

Shared ownership rates have seen the largest reductions.

Rates have reduced by up to 0.20%.

YBS has also reduced rates by 0.20% on its semi-commercial product.

Brokers are reporting a surge in clients with challenging credit histories.