Two-year fixed rates now start from 3.25%.

TML will no longer ask brokers to provide pay slips or proof of income for a number of their clients.

Stress rates on background properties have also reduced to boost affordability.

The bank has also launched new green mortgage products.

Buy-to-let rates now start from 3.34%.

The society has removed minimum income thresholds and restrictions on the time remaining on visas.

Quality of advice, high pressure selling, excessive fees and conditional selling are all on the FCA's radar.

The Society has also launched new discounted rates and expanded its interest-only range.

On average, retired mortgage holders still owe more than £63,000.

Fleet says the increase recognises increased workloads for advisers.