UTB has appointed a head of customer experience and head of operations.

The lender has re-introduced five-year fixed products and added new 55% LTV bands.

Rates start from 4.34%.

The lender’s redesigned journey lets brokers product switch in just a few clicks.

Matthew aims to improve the conveyancing experience for all Smoove customers.

Arrangement fees have been lowered from £1,299 to £999 for both 90% and 95% LTV products.

The new products are available within the lender's F2 range.

Members now have access to The Loans Engine's range of specialist finance lender relationships and product solutions.

First-time buyers, contractors and self-employed borrowers will benefit from the latest reductions.

Rory Joseph and Sebastian Murphy, directors at JLM Mortgage Services, explore how the housing market is increasingly working in tandem with the school holidays and how advisers can...