The Market Harborough Building Society has reduced a range of mortgage and bridging finance rates at the start of the year, including a cut to its standard variable rate.

The complex case and bridging finance specialist has lowered its standard variable rate by 0.15% to 7.24%, alongside a series of reductions across its residential and let mortgage products.

Variable mortgage rates have been cut by 0.15%, while two-year fixed rates have been reduced by 0.05%. In addition, the Society has trimmed its tier one and tier two monthly bridging finance rates by 0.01%.

Iain Smith, head of mortgage distribution at Market Harborough Building Society, said: “We’re building on a successful 2025, kickstarting 2026 with reductions across many of our mortgage rates.

“This ensures we’re well-positioned to support brokers with complex cases and with our award-winning bridging finance.

We’ll be adding to this positive message with more great news to come.”

Following the changes, residential tier one rates now start from 5.10% on a fixed basis and 5.05% variable, available up to 75% LTV with a £1,495 product fee.

For let tier one cases, rates begin at 5.51% fixed and 5.46% variable up to 75% LTV. These products include top-slicing and lending into retirement as standard.

The Society’s standard monthly bridging finance rates for loans up to £5 million now start from 0.59% variable and 0.63% fixed.

Its limited edition bridging finance range, aimed at more straightforward cases up to £1 million, has also benefited from the reductions, with monthly rates now starting from 0.57%.