Bluestone is the first complex credit lender to offer the Deposit Unlock scheme.

Flex Together is a new mortgage affordability solution with family and friends.

The lender has reduced rates across its two-year and five-year fixed rates.

TMW has also introduced a new fee option for landlords of £3,995.

PMS advisers now have access to a panel of over 100 lenders covering buy-to-let, residential, remortgage and specialist lending.

The panel agreed there are clear signs that this momentum will continue to surge in 2024.

The lender has also removed the 5.5% minimum stress rate requirement on five-year buy-to-let products.

Two-year fixed rates now start from 4.65%.

Advisers pointed to the market's resilience and potential for growth, particularly following the challenges of previous years.

Residential and buy-to-let rates are both reducing as part of the changes.