Group restructure sees former sales director Lyndon Whistance promoted to chief operating officer.

Three-year fixes now start at 4.37%.

GDP fell by 0.2% over the three months to November.

The Bank will now consider whether businesses could raise funding by using their qualifying IP assets as collateral.

Rates have reduced by between 40-50bps.

The changes will align the sales teams of Precise Mortgages, Kent Reliance for Intermediaries and InterBay.

Patrick Bamford, head of international business development at Qualis Credit Risk, takes a look at the current lending environment for first-time buyers and whether price changes could...

David joins from LendInvest, where he was chief financial officer.

Commercial investment, semi-commercial and commercial buy-to-let products will benefit from the latest reductions.

Residential and buy-to-let fixed rates will benefit from the latest reductions.