Yorkshire’s two-year first-time buyer fixed rate is available up to 90% LTV and now features a free standard valuation service, free legal service and £500 cashback.

Home insurance is also included for a rate of 5.69%.

Chris Smith, senior product manager at the Yorkshire, said: “We’re very aware of the difficulties first-time buyers face getting onto the property ladder. As a national building society, our aim is to help people to own a home.”