Investec Bank has cut pricing on fixed and tracker products for both residential and buy-to-let borrowers, with the most significant reductions applied to its two-year fixed rates.

The lender said the clearer policy landscape after the recent Budget had eased much of the hesitation that had delayed large transactions in recent months.

The headline changes include a 20bps reduction to residential and buy-to-let two-year fixed rates, taking pricing to starting points of 4.25% for residential loans and 4.65% for buy-to-let. Three and four-year fixed rates have been reduced by 15bps to begin at 4.30%, while five-year fixes now start at 4.35% following a 5bps cut.

Five-year trackers have also been reduced by 5bps, with pricing from 0.75% + IBBR.

Investec said these adjustments would assist brokers working on behalf of clients with complex or large-scale borrowing requirements, for whom marginal changes in pricing can materially influence how a deal is structured.

The bank added that it continues to collaborate closely with intermediaries, offering tailored support and specialist underwriting to meet the needs of high-net-worth clients.

Peter Izard (pictured), head of intermediary business development at Investec Bank, said: “We are pleased to announce our latest rate reductions, introduced at a time when clarity is returning to the market and clients are increasingly ready to take advantage of improved conditions.

“These changes reflect our commitment to working closely with brokers, ensuring they have competitive pricing and the highest levels of support as their clients re-enter the market.

“Combined with our bespoke underwriting and speed of decision-making, these enhancements continue to deliver an out of the ordinary experience for both brokers and their clients.”

Investec continues to position itself as a lender for high-net-worth borrowers seeking bespoke arrangements, offering loans of up to £10 million on residential and buy-to-let properties.