The system will be used by the Development Bank of Wales.
This was because of increasing levels of property debt and more households having property debt.
Construction output has dropped, partly due to a decline in private housing repair and maintenance.
The lender has reduced product fees on its buy-to-let remortgage range.
In Q3 the share of mortgages exceeding LTV rose to 5.9%.
Houseimple will be launching a free home valuation service in the City of Nottingham.
Advisers from Smartr365 will be able to streamline their business operations by using Smartr365’s cloud-first platform.
Consumers also want insurers to reward customer loyalty more.
People want help for first-time buyers and older people to downsize.
The new lower rates will be available throughout this month and January.