New residential and expat products have also been included in the refresh.

Among specialist BTL lenders, 22% say holiday lets deliver the strongest margins.

Building societies and mutual-owned banks increased mortgage balances by £7.5bn and savings balances by £8.8bn in six months.

Yorkshire Building Society is uniting its residential, specialist, buy-to-let, and commercial mortgage functions under one Homes division.

Planning approvals fell 23% in Q2 2025, with only 48,022 units approved.

Five-year 75% LTV BTL HMO and MUB rates are down by as much as 0.20%.

The government plans to consult on reforming the Lifetime ISA and creating a replacement ISA designed specifically for first-time buyers.

Two-year fixes up to 75% LTV are to be reduced by 0.10%

The new product offers a two-year interest-only period with an initial rate of 5.84%.

Fixed rates start at 5.29% and 5.39%, both up to 75% LTV.