Pepper Homeloans has made cuts to its non-conforming 30 month 2 and 5-year fixed rate residential mortgages.
Changes include cuts up to 0.4% on 2-year fixes now starting from 3.63%, up to 0.3% on 5-year fixes which start from 4.23%, and up to 0.25% on 30-month fixes starting from 3.68%.
Completion fees are also being reduced to £995 for most products.
Non-conforming loans are those which fail to meet bank criteria for funding.
Rob Barnard, sales director of Pepper Homeloans, said: “These cuts will help hard-pressed homeowners make a move up the housing ladder or remortgage onto a more competitive deal.
“All applications are manually underwritten and we don’t use credit scoring, also brokers can submit DIPs and applications online.”