Yorkshire Building Society has cut all of its 75% LTV and 85% LTV fixed and tracker mortgages by up to 0.30 percentage points.

Stand out rates include a 75% LTV two-year fixed rate mortgage at 3.24% and 75% LTV three-year fixed rate mortgage at 3.49%, both with £995 fees.

Lower fee options and products with incentives, including free legal assistance and cashback on completion, are also available, plus offset variants.

The deals are, however, not available through intermediaries.

“Whether borrowers want the security of a fixed rate product or the flexibility of a tracker mortgage, these rate reductions will result in significantly lower repayments for borrowers,” said Chris Smith, Yorkshire Building Society Group’s direct mortgage manager.

“We are constantly reviewing our mortgages to make sure we continue to offer competitive products at the same time as the excellent service our customers expect and deserve.

“It is important to note that, as a responsible lender, we have made reductions at higher LTV levels and are not just cutting rates for those with large deposits.”