Stress rates on background properties have also been reduced to boost affordability

2-year fixed rates now start from 3.25% and 5-year fixed from 4.85%

The specialist lender has announced major service enhancements and strategic appointments to deliver increased speed and service for brokers

The new rates come alongside new fee options

Atom's latest cuts follow several criteria improvements made last year.

A new survey has highlighted the challenges faced by first-time buyers in an increasingly unaffordable housing market.

The new rate cuts follow improvements made last week by the lender across its range of small HMO/MUFB products, which saw rates lowered by as much as 0.15%.

Across England, the average cost of renting has increased by 44.4% over the last 10 years, now averaging £1,369 per month.

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The specialist lender's limited edition buy-to-let range now includes products with higher fee options to help more landlords access its higher LTV mortgages.