Tracker products are available in the lender's standard, limited company, and HMO/MUFB ranges.

The reductions apply to core two and five-year fixed products.

The lender has introduced additional options to support landlords across a range of scenarios.

Total mortgage searches reached 1,088,120 in December, down 22.6% month on month but up 10.75% compared with the same period last year.

Typical first-time buyers borrowed around £236,000 in 2025, with average deposits of 22%.

Landlords have seen the biggest uplift in choice, with the number of buy-to-let mortgage products surging by 68% compared to last Christmas.

The two-year discount JBSP product offers 25% overpayment without early repayment charges, more than double the standard 10% allowance.

The society will lend up to 90% loan-to-value for skilled worker visa applicants with at least 12 months UK residency.

New research has revealed that a lack of lender appetite poses the biggest hurdle for mortgage brokers working with overseas clients.

First-time buyer searches have dropped 27.29% since May.