First Direct has made rate changes across its mortgage range with rates starting from 1.24%.

The changes include cuts on a number of fixed-rate deals across different LTVs to offer more protection against future base rate increases.

Its revised mortgage range includes:

60% LTV two-year fixed at 1.24% with £1,450 fee (down 0.05% from 1.29%).

75% LTV two-ear fixed at 1.39% with £1,450 fee (down 0.09% from 1.48%).

It has also made further rate cuts at 80% and 85% LTV.

First Direct will continue to offer the following five-year rates:

60% LTV charging 2.19% with £1,450 fee.

60% LTV at 2.49% fee saver.

75% LTV at 2.48% with £1,450 fee.

First Direct is also offering a base rate tracker charging 1.74% at 60% LTV, down 0.25% from the previous rate of 1.99%.

Chief executive Tracy Garrad said: “We know that people have different priorities when it comes to selecting a mortgage product and it is important that our range is tailored to the needs of our customers.

“The latest rate changes mean that we can offer a wider range of market-leading rates – with and without fees – to suit all borrowers, regardless of their financial position.”