The society's new residential rate sits well below the UK average of 7.15%, according to recent Moneyfacts data.

75% LTV HMO and MUFB products now start at 2.99%, covering properties with up to six bedrooms or units.

9,520 BTL mortgages were in arrears of 2.5%+ in Q4, down 9% from Q3.

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Expat holiday let mortgages across two- and five-year terms have been reduced by up to 19bps.

The lender has also launched new expat borrower products starting at 4.39% for two years with a 3% fee and 5.09% for five years with a 4% fee.

BTL two-year fixed eKo rates start at 3.69% with a 3% fee; five-year fixed rates at 4.27% with a 3% fee.

Five-year zero fee fixes offer rates of 5.09% for purchases/remortgages and 5.14% for remortgages with a free valuation.

New mortgage originations climbed 1.9% to reach their highest level since Q4 2022, signalling renewed market confidence.

The cuts follow just days after the society extended its Credit Revive range.