M&S Bank has increased the loan-to-value to 95% on three products to 95%.
The products are a 2-year fix at 3.79%, a 2-year tracker at 3.64% and a 5-year fixed at 3.99%, all with £1,000 cashback.
The bank has also increased its maximum mortgage term to 35 years across both first-time buyer and homemover products.
The lender offers customers remortgaging the option to consider additional borrowing at the same rate and term as the existing mortgage.
Products are available directly from M&S Bank and also through the broker channel via London & Country, Mortgage Advice Bureau and Openwork.