Related topic: Mortgages

The largest reductions are to higher-LTV products.

Despite higher overall mortgage rates, 7% of borrowers were also exploring 10-year fixed deals.

Regional data continues to show a clear North/South divide.

Perenna lends up to 6x income and recently launched a new range of 7, 10, and 15-year fixed rate mortgage products.

Individual applicants are outstripping joint applicants consistently for the first time in five years. 

Rates have reduced by up to 0.21 percentage points for new and existing customers.

Sebastian Murphy, group director at JLM Mortgage Services, says throughout 2025 there has been a steady drip of measures that attempt to chip away at the position of advisers.

Dan has held previous roles at Together Money and Fluent Money Group.

Both products are designed to support foreign nationals from day one in the UK.

Accord has also reduced the minimum income for top slicing for experienced landlords.