Patrick Bamford, head of international business development at Qualis Credit Risk, says it has become even more vital to have a strong array of high LTV mortgage options available to...

Rates are being cut up to 95% LTV.

The lender has reduced rates at 90% and 95% LTV.

Despite rising choice, average rates across two and five-year fixes at 95% LTV are higher than at the start of 2025.

The data also shows that new arrears cases decreased by 1.3pp between Q2 and Q3.

90% and 95% LTV mortgage products have seen rate increases.

Rates start from 4.99%.