Grant Hendry, director of sales at Foundation Home Loans, explores how a shift towards limited company ownership is also shaping refinancing patterns.

Anna Lewis, commercial director at Castle Trust Bank, explores how bridging finance can provide first-time landlords with an alternative way to secure their first property.

Product switch rates have reduced by up to 0.46%.

ModaMortgages has expanded its distribution through Iress.

Higher-LTV residential rates have seen some of the largest rate cuts.

The Bank offers brokers a 0.4% net procuration fee.

The range includes a lower rate for properties rated EPC A, B or C.

The Society has also expanded its visa lending criteria for both residential and buy-to-let propositions.

New criteria includes a lower minimum age requirement of 18 years and lower minimum income.

Large HMO/MUFB products have now been added to the new product transfer range.