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Among the new deals is a two-year fixed rate at 5.12percent (70percent LTV) with a 999 fee and a fee-free five-year fix at 4.8percent (60percent LTV). The Bank of England has forecast that 900,000 borrowers will experience ‘severe mortgage rate shock’ in 2024 when their existing fixed rate deals come to an end. Generation Home has cut rates across its entire range by up to 0.25 percentage points. It is offering a two-year fixed rate at 5.06percent with a 999 fee and a five-year deal at 4.74percent (both at 60percent LTV).

• Two and five-year fixed rates for larger loan remortgage are available at 5.4percent and 4.99percent respectively at 75percent loan to value with a 1,995 fee.
• Standard BTL five-year rates start from 4.95percent, also with a 5percent fee.
• But mortgages themselves are getting harder to come by, according to the latest Bank of England data.
• Residential deals for existing HSBC customers looking for a new fixed rate through a product transfer deal have also been cut by up to 0.11percent.
• Fee-free options are available with TSB but it usually means borrowers pay a higher fixed rate.

For buy-to-let borrowers, Virgin is offering a five-year fixed rate remortgage deal at 4.64percent (50percent LTV) with a 3,995 fee for ‘portfolio’ landlords . Keystone, the buy-to-let lender, has launched a new range of deals with lower rates but a higher set up fee of 5percent. It is offering a five-year fixed rate at 5.29percent (65percent LTV) or at 5.39percent (75percent LTV). Virgin Money and Platform, part of Co-operative Bank, were offering five-year fixed rates at 3.95percent and 3.75percent respectively – the cheapest on the market.

January: Niche Lenders Join Pricing War

Newly-priced deals include a two-year fixed rate reduced to 5.59percent at 95percent loan to value – or 4.6percent at a 75percent loan to value. Two and five-year fixed rates for home purchase with a 1,295 https://happy-gambler.com/hello!-casino/ fee have also been reduced and now start from 4.47percent and 3.92percent respectively. Selected fixed rates for existing Virgin customers looking for a new mortgage deal have been tweaked downwards. Five-year fixed rates start from 3.88percent with a 1,495 fee (65percent LTV). Landbay, the specialist buy-to-let lender has cut fixed rates by up to 0.4 percentage points and has deals at sub-4percent.

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The deal, which requires a 50percent cash deposit or equity, has a hefty 5percent arrangement fee. But brokers believe it will be a mouth-watering option for many BTL investors. Five-year fixed rates (for borrowers who take the homebuying bundle including Gen H Legal’s conveyancing service) are at 5.38percent with a 999 fee (up to 80percent LTV). The bank has also cut rates for BTL and on product transfer deals . The mutual was one of the first to break the 5percent rate barrier when it launched a five-year fixed rate on 18 September.

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June: Downing St Summit Follows Shock Bank Rate Hike

The Pepper 24 Bankruptcy two-year fixed rate deal has been cut to 8.44percent. Among its new deals Co-op will offer a five-year fixed rate for residential remortgage (at 60percent loan to value) at 5.11percent with a 1,999 fee. Earlier this week Nationwide building society cut its fixed mortgage rates and is offering a five-year fix for home purchase at 4.74percent, also with a 999 fee. The bank’s new deals, available from Monday through brokers, include lower rates for first-time buyers, home purchase, larger mortgage loans, new build, shared equity, shared ownership and green home products. Product transfer deals, for existing customers looking to switch to a new rate, have been cut by up to 0.26 percentage points, with new five-year fixed rate deals starting from 4.89percent. Selected two-year purchase and remortgage rates have also been cut.

Its five-year fixed rates for standard BTL borrowers start from 6.1percent with a 2percent fee (75percent LTV max). TSB has increased the cost of selected purchase and remortgage fixed rates, shared ownership deals and fixed rates in its buy-to-let range by up to 1.05 percentage points. Its two-year fixed rates for new customers are going up by 0.15 percentage points and now start from 6.39percent (60percent LTV). Fixed rates for purchase at 95percent loan to value rise by 0.4 percentage points, while deals at 90percent LTV increase by up to 0.3 percentage points.