Paragon has unveiled new limited edition five-year fixed rates, which include 0% and 3% fee options, alongside £3,995 fee products.

They are available up to 75% loan-to-value (LTV).

Rates start at 4.94% with a 3% fee, available for Single Self-Contained (SSC) properties rated EPC A-C, increasing by 5bps for those with EPC ratings of D or E. Houses in Multiple Occupation (HMOs) can be financed with rates from 5.19% on the 3% fee option.

Paragon’s £3,995 fee five-year fix starts at 5.45%, while the nil fee product starts at 5.74% when purchasing or remortgaging SSCs with A-C rated EPCs.

The limited edition products are subject to a £299 application fee. The products with 3% and £3,995 fees are offered with £750 cashback.

The products are suitable for landlords purchasing or remortgaging properties as individuals or through limited company structures in England, Scotland and Wales.

James Harrison, Paragon Bank’s product manager, said: “We’re kicking off the year with a new limited edition range with rates that are up to 30bps lower that the equivalent core products they replace. This will broaden choice for landlords looking to remortgage or add to their portfolios.

“With rates coming down, we’re seeing an increase in the popularity of mortgages with lower and fixed fees.”