The lender has reduced rates by up to 14bps.

Two-year fixed rates now start from 3.23% and five-year fixes from 4.83%.

Rates across the UK resident range have reduced by up to 0.12%.

Richard has held previous roles at London & Country, Coventry Building Society, and Hinckley & Rugby for Intermediaries.

Rates have reduced by up to 0.14%.