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It is available to borrowers with at least a 40percent deposit towards their purchase. https://happy-gambler.com/vegas-wonder-casino/ However, while competitive, the deal is trumped by Nationwide’s five-year fix which is priced at 4.29percent for purchases . Barclays is offering a fee-free five-year fixed rate for remortgage at 5.33percent (60percent LTV) and an equivalent fee-free two-year equivalent at 6.3percent. First Direct is following its parent bank HSBC with significant rate cuts across its fixed-rate repayment mortgage range, including the launch of two deals tomorrow , priced below 4percent. Co-op has said it will also offer a fee-free two-year fixed rate at 5.18percent for borrowers with just a 5percent cash deposit or equity in their home.
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- Both deals require a 40percent deposit and are available to new and existing customers.
- Aldermore, the buy-to-let lending specialist will withdraw all mortgage deals available through brokers at 6pm on 6 February.
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Yorkshire is also offering a five-year fix at 3.92percent for home purchase customers (also at 75percent LTV and with a 1,495 fee), and a fee-free two-year fix (85percent LTV) at 5.12percent, down from 5.62percent. Homeowners keen to avoid paying SVR and pay less for their mortgage can look for a new home loan deal well in advance of their existing fixed or tracker deal coming to an end. A borrower with a 150,000 repayment mortgage over 25 years would pay 1,075 a month on an SVR of 7.15percent. This compares to 711 for the same borrower on a fixed rate of 3percent. Skipton building society is working on a mortgage product aimed at helping long-term renters onto the property ladder, writes Jo Thornhill.
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For remortgage customers, Barclays has two-year fixed rate deals from 4.98percent with a 999 fee (60percent LTV). Premier banking customers can get the same deal at a slightly lower rate of 4.95percent. Santander is the latest of several major lenders to trim the cost of fixed rate deals since the start of the year on the back of growing market confidence that interest rates have peaked. Both five-year fixed rates will have a 999 fee and be available for borrowers with at least 40percent equity in their home, or cash deposit in the case of homebuyers.
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The bank has also cut fixed rates on product transfer deals available to existing customers looking for a new mortgage. NatWest is cutting the cost of fixed rate mortgage deals for new and existing customers from tomorrow. Barclays has also announced rate cuts to selected fixed and tracker rate deals for residential and buy-to-let borrowers from tomorrow . But it has not dipped below the 5percent rate barrier, despite many of its big competitors, including Halifax, Nationwide, Santander and Virgin Money, offering five-year fixed rate deals at under 5percent. Mpowered Mortgages has cut rates on its three-year fixed rate mortgage deals up to 90percent LTV. Among the new deals it is offering a fee-free three-year fix for home purchase, through brokers, at 5.79percent and a three-year fix for remortgage at 5.4percent with a 999 fee.
HSBC’s two-year fixed rate for home purchase (85percent LTV) is now 5.19percent (999 fee) – up from 4.94percent last week. HSBC’s higher rates, through mortgage brokers, apply to new customer residential, buy-to-let, first-time buyer deals as well as to product transfer rates for existing residential and buy-to-let mortgage customers. The bank, along with a clutch of other lenders, has repriced its fixed rate offers in recent days to reflect changing market conditions. This latest hike is the second time HSBC has increased its rates in less than a week. Its two-year fixed rates for new customers will increase by up to 0.6 percentage points and deals will start at 5.66percent. Five-year fixed rates will increase by up to 0.4 percentage points and will start from 5.1percent.
Buy-to-let lender Zephyr Homeloans has cut its five-year fixed rate deals across the board by 0.3 percentage points. Zephyr’s deal for new build properties and flats above commercial premises has also been cut to 5.29percent (65percent LTV) and the deal for houses of multiple occupancy multi-unit blocks is now 5.59percent (65percent LTV). Specialist buy-to-let lender Landbay has cut its two-year fixed rate range by up to 0.14 percentage points. The two-year deal for small houses in multiple occupation and multi-unit freehold blocks is now at 4.75percent (up to 75percent LTV) with a 3percent fee.
Deals for limited company buy-to-let will be reduced by up to 0.5 percentage points from tomorrow. The lender will offer a two-year fix at 5.99percent (75percent LTV) with a 3percent fee and a five-year fixed rate equivalent at 6.59percent. Among the reductions Coventry will cut rates for residential remortgage and product transfer at 50percent LTV up to 80percent LTV, including offset and interest only mortgages.
