In its full-year results, the lender also highlighted increases in the proportion of lending on properties with EPC ratings between A and C.

The latest mortgages launched by the lender are available for purchase and remortgage up to 65% LTV.

Daniel Austin, CEO and co-founder at ASK Partners looks ahead to next year and highlights the sectors that he believes are best protected against ongoing economic uncertainties.

The Intermediary Mortgage Lenders Association has proposed six recommendations for a more effective policy framework for the sector

John Howard, TV regular and one of the five 'angels' on "Property Elevator" shares his predictions for the UK property market in 2025.

Rates have been reduced across both products by 10 bps

The specialist lender has also announced that it has made a number of changes to stress rates

Energy-inefficient homes are costing households an average of £299 per year in extra energy bills, with older generations found to be the hardest hit

Alongside the return of five-year EPC products, the buy-to-let specialist lender has also announced that it has reduced its rates on certain product transfers.

Of the estimated 4.9 million private rental properties in England, 2.5 million currently have an EPC rating below C.