100% of advisers said it caused their client harm such as stress, hassle or confusion.

Standard mortgage LiveMore 1 rates have seen the largest reductions.

April Mortgages offers a range of fixed rate products ranging from five to 15 years.

The lender is providing a range of fee options across the range.

Nomo is also offering free valuation and zero arrangement fees for refinance products.

Andy joins from Nationwide, where he is head of intermediary support and new build for Nationwide and TMW.

Stuart Kay returns to the lender after first joining in 1994.

The change could decrease the amount needed for a customer’s average new build deposit by £20,000.

The panel also agreed that the FCA will focus its attention on advisers who are ignoring GI.

Matt will spearhead growth and client engagement in the South West region, with a specific focus on Devon and Cornwall.