Furness for Intermediaries has repriced its 2-year 95% fixed rate to 3.28% and its 5 year fixed rate to 3.48%.
Both carry £1,000 cashback with a free valuation on both purchase and remortgages.
There is a lower 5-year fixed rate priced slightly more competitively at 3.25% with no cashback also available.
Alasdair McDonald, head of intermediary mortgages at Furness for Intermediaries, said: “We understand that first time buyers need the best start they can get, so I am delighted to say that we can help your client in a number of ways, including whether they are looking at a new build property, need help from mum and dad, or are even considering shared ownership.
“Following feedback from some of our key partners, we have recently increased our LTI ratio to 4.5. It’s vital we keep our first-time buyer proposition as competitive and flexible as we can – after all it’s our job to make yours easier and help people find their dream home.”