The loan to income ratio has also increased up to 5x income for loans over £1,000,000.

Jamie Pritchard has also been promoted to managing director of sales.

The new zero-fee options join Landbay’s existing variable fee structure.

The Society will accept five new currencies as part of the changes.

100% debt consolidation is now available on mortgages of up to £1m.

Toni has been with the network for six years.

Many will buy their partner out using savings, but some are turning to lifetime mortgages to stay in their homes.

Keith Young, managing director of Broker Conveyancing, explains why the mortgage industry should make the most of greater confidence returning to the market in 2024.

Rates start at 4.65% with fee-free options also available.

Rates are reducing by up to 10bps.