Launch pad: Mortgages

Rates start at 3.44 per cent for a two-year fixed-rate mortgage up to a loan-to-value of 75 per cent, with lending decisions made by underwriters, rather than credit scoring.

Key features:

• Two-year fixed-rate mortgage from 3.44 per cent up to 75% LTV, rising to 3.99% for 80% LTV, and 4.74% for 85% LTV.

• Completion fee of £999.

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• Free valuations and free legals available on remortgages.

• Free valuations for home purchases.

Adviser verdict

Simon Collins, product technical manager at London-based John Charcol, said: “The loan to values and rates look very competitive, plus it’s great to see that there’s no restrictions on the professions. The fact that it’s a manual underwrite rather than credit-score reliant is the icing on the cake.”