The change is aimed at helping first-time buyers and second-steppers, the intermediary arm of Yorkshire Building Society said.
Borrowers with a deposit of 5% can now access a five-year rate of 3.8%, with £1,000 cashback on completion, a £495 product fee and free standard valuation.
The lender is also offering a fee-free option at 3.85% for a two-year fix and a 4% for a five-year fix, both come with £1,000 cashback on completion and free standard valuation.
Ben Merritt, product manager for Accord Mortgages (pictured), said: “We understand the financial pressures of real life and are committed to assisting brokers help their clients to secure flexible mortgages which suit their needs.
“Buying your first home or moving to larger place to accommodate a new arrival in your family can be tough financially and incur a lot of upfront costs. We’ve created these mortgages with this in mind and think they will prove popular with brokers and their clients.”