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

The specialist distributor has partnered with Iwoca and Fleximize to provide unsecured business finance.

Two-year fixed rates now start from 4.65%.

Niki has 30 years' experience in the banking industry with previous roles at Barclays and Santander.

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.

The lender has launched its bridging offering in Northern Ireland.

58% say they would speak to a mortgage broker, up from 24% last year.

The winter promotion is taking place until the end of January.

The number of new properties coming onto the market for sale is 15% higher than in the same period last year.