Sanjay Joshi, director at estate agents Lawsons & Daughters, says that the housing market is moving in different directions – and there is little relief for the buy-to-let...

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 proposition is aimed at homeowners relocating abroad, moving in with family, or still deciding their next steps.

Two-year fixed rates now start from 2.54% and five-year fixed rates from 4.34%.

Alongside the rate cuts, Market Financial Solutions has also made several key updates to its Fusion Premier product.

Nearly all products across the lender’s range see reductions.

The lender will now allow minority shareholders with a holding of 20% or less.

In the previous survey following the Autumn Budget, less than a third (27%) said they planned to purchase more.

The top-performing towns and cities could represent the next big opportunity, with strong yields in commuter towns and even some overlooked city suburbs.

Two-year fixed rates now start from 2.68% and five-year fixed rates from 4.34% for standard products.