For customers who have cleared CCJs and defaults up to £2,000, and who have had no more than two missed payments in the last two years, the products include two-year variable rate options starting at 7.19% and fixed rates beginning at 7.39%. An arrangement fee of £995 is applicable to these options.

“As a specialist lender, we are pleased to be able to increase the distribution and make this product more widely available following a short test period with some of our key partner firms,” said Mike Cutler (pictured), commercial director at Harpenden Building Society.

“The past few years have been very tough for many borrowers who still need to access mortgages, and this range provides another option for brokers to help their clients.”

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