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• The Spanish-owned lender is offering a five-year fixed rate for residential house purchase priced at 4.44percent for a 999 fee for borrowers with a 10percent cash deposit.
• According to Moneyfacts, the average two-year fixed-rate deal stood at 2.38percent a year ago, but has increased markedly over the intervening period to 5.79percent today.
• Virgin, which has consistently offered among the most competitive fixed rate deals in recent months, also recently increased fixed rates across the board.
• The higher rates, effective from tomorrow will see two, three and five-year fixed rates for remortgage nudged up by up to 0.15 percentage points.
• TSB’s rate cut is applied on two, three and five-year fixed rates for purchase and remortgage, on deals up to 75percent loan to value.

As indicated on 12 April , Skipton building society has launched a 100percent mortgage product aimed at renters, writes Kevin Pratt. “Fixed-rate mortgage pricing had already been rising with a number of lenders repricing recently happy-gambler.com my site or giving a heads-up that they intend to do so. Meanwhile, Clydesdale Bank has withdrawn select remortgage and new customer deals at up to 75percent LTV. One in five first-time buyers – a record number – are signing-up to 35-year mortgages to make their monthly repayments affordable, according to industry data, writes Jo Thornhill. Last month’s higher-than-expected inflation figures point to further interest rate rises for 2023.

November: Halifax, Virgin, First Direct, Hsbc Cut Rates

The figures also reflect many buyers failing affordability checks or struggling to secure a mortgage at all after a spate of major lenders pulled deals following the mini-Budget, she added. The influential bank rate, which affects both borrowers and savers, currently stands at 3.5percent having risen nine times since December 2021. Nationwide Building Society, TSB and Virgin Money have all announced plans to cut mortgage rates in what will be welcome news for borrowers. The Office for National Statistics says that 1.4 million mortgage customers, who bought properties with fixed-rate home loans when interest rates were set below 2percent, are due to renew their arrangements in 2023. However, rates are higher for small-deposit mortgages most common among first-time buyers.

January: Lenders Trim Interest Charges To Tempt Borrowers

The equivalent five-year fixed rate deal is at 4.65percent with a 1,295 fee. The bank is offering a five-year fixed rate for purchase at 4.5percent for borrowers with a 25percent cash deposit. Among NatWest’s newly-priced deals is a five-year fixed rate for purchase at 4.34percent, or 4.77percent over two years. For remortgage, five-year rates are available at 4.41percent, or 4.81percent over two years. These deals are all available at 60percent loan to value and come with a 995 product fee.

The five-year fix for buy-to-let landlords starts from 5.84percent (60percent LTV) with a 999 fee. It is offering a two-year fixed rate for home movers with a 999 fee (60percent LTV) at 4.64percent – up from 4.39percent. The equivalent deal over three-years is now 4.44percent – up from 4.29percent.

The Bank of England yesterday increased its Bank rate by 0.75 percentage points to 3percent in a bid to stave off steepling levels of inflation, writes Andrew Michael. At the meeting, lenders committed to enabling customers who are up to date with payments to switch to a new competitive mortgage without another affordability test . Launched in April 2021, the scheme enables first-time buyers to buy a home with a 5percent deposit. Mortgage interest rates have jumped appreciably over the past year in light of an extended series of rises in the Bank rate imposed by the Bank of England to head off soaring levels of inflation. The findings are based on first-time buyer households with outstanding mortgages at 80percent of the property value. At 90percent LTV, the two-year fixed rate is 5.25percent – 0.26 percentage points higher.

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