Bluestone Mortgages has reduced rates across its Help to Buy range to support customers with complex credit.

The Help to Buy products are available across all of Bluestone’s credit tiers at up to 75% loan to value (LTV) on a five-year fixed rate.

Rates start from 4.96% and the lender will offer free upfront valuation on all products across the whole range.

Reece Beddall, sales & marketing director at Bluestone Mortgages, said: “At a time when affordability is a key concern for many, particularly for first-time buyers, we’re making these rate changes to provide further support for customers with complex credit as they look to get on the housing ladder before the Help to Buy scheme comes to an end next year.

“With the scheme ending in 2023, first-time buyers will be losing this additional support. This is why we’re currently exploring replacement schemes that will enable us to continually support our customers, especially as the cost of living continues to rise. This demonstrates our commitment to offer everyone the equal opportunity to be able to climb onto the property ladder and own their dream home.

“Ultimately, these changes will provide our customers greater support and give them the help that they deserve but haven’t been able to find elsewhere.”