Kensington has increasing the maximum LTV on its core residential range to 85% and unveiled a new 65% LTV deal.

Rates start at 3.34% for a two-year fixed rate deal at 65% LTV. A three-year fix is available at 3.64% and a five-year fix at 4.29%. The completion fee on these products is £999.

At 85% LTV, rates start at 4.49% for a two-year fix and a three-year fix at 4.79%. The completion fee on these products is £1,299.

Kensington is also offering options with free valuations on purchases, free valuations and standard legals on remortgages, and no completion fee. A 65% LTV two-year fix is priced at 3.79% and a three-year fix at 4.04%. At 85% LTV, a two-year fixed rate deal is priced at 4.99% and a three-year fix at 5.29%.

Steve Griffiths, head of sales and distribution at Kensington, said: “Kensington has exciting plans for 2016. We will provide more opportunity for customers whose chances of getting a standard mortgage have been hindered by the complexities of life – and this means more opportunity for brokers to place their difficult cases.

“One way of growing this opportunity is by increasing the choice of products we are able to offer, with more product LTVs and payment options to better meet the needs our brokers and their clients. But this is just the start, and we look forward to announcing new and exciting changes to our product range in the coming months.”