Habito has announced a return to lending at 80% loan to value (LTV) across its buy-to-let range for two-year and five-year fixed-rate products.

The lender has also reduced its rates for its existing 75% LTV five-year fixed products.

Habito’s 80% LTV, two-year fixed rates will start from 3.89%, and five-year fixed rates will start from 4.15%.

Individual and limited company 75% LTV five-year fixed rate deals will start from 3.49% and come with £500 cashback included.

Individual Fee Assist 75% LTV five-year fixed rates will start from 3.54% and come with £750 cashback and free conveyancing included. In addition, Habito’s limited company fee assist 75% LTV five-year fixed rates will start from 3.52% with £750 cashback included.

Alan Fitzpatrick, director of marketplace operations at Habito, said: “We’re really pleased to be able to offer lending at 80% LTV to provide deals to landlords with slightly smaller deposit sizes, particularly when there is limited choice in the market at this level.

“The changes to our buy-to-let lending range comes as a result of brilliant broker feedback and we’re sure that it will positively impact both our broker partners and customers who come to Habito directly. Ultimately, we hope our updated product LTVs and rates, with the continuation of our cash-back offers, will provide landlords with more choice.”