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The move follows significant rate cuts by most of the biggest mortgage lenders since the start of the year. This is due to the fact that a five-year fixed rate offers longer-term stability for both borrower and lender, compared to a two-year deal, meaning stress tests can be less stringent . Five-year purchase rates now start from 4.09percent with a 1,295 fee (up to 75percent loan to value). The bank’s lowest two-year rate for remortgage will be at 4.49percent with a 1,495 fee and the equivalent five-year deal is still just below 4percent at 3.99percent, also with a 1,495 fee.
“I’m not expecting to see a very sharp uplift in fixed rate pricing, but there is likely to be an increase of a few percentage points to happy-gambler.com address give lenders comfort in the event of future market movement. It is also cutting the cost of deals for first-time buyers, shared ownership and green mortgages. The Track Record mortgage is for first-time buyers who do not have a cash deposit but who can demonstrate they have successfully made rental payments for the past 12 months. Affordability and loan size calculations are based on past rental payments. Santander has unveiled a range of lower mortgage rates, following its announcement yesterday that it was making a fresh round of cuts, writes Jo Thornhill.
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- Another buy-to-let specialist, Together Mortgages, is also increasing fixed rates by up to 0.55 percentage points for standard BTL two-year fixed rates and by up to 0.5 percentage points for limited company BTL.
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It says this move is an extension of its commitment to the Mortgage Charter, which was established by the Financial Conduct Authority, the market regulator, earlier this year. The Charter lays out standards which all lenders must stick to when dealing with borrowers in financial difficulties. Nationwide and First Direct have cut fixed borrowing costs as competition rages in the sub-5percent mortgage deal sector, writes Jo Thornhill.
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Nationwide’s five-year fixed rate deal for remortgage at 60percent LTV has increased to 4.64percent from 4.24percent. The two-year remortgage fixed rate (also 60percent LTV) is now 4.99percent, up from 4.59percent. Mortgage borrowers are being warned to brace for higher costs if they need to take out a loan or remortgage in the coming months as fixed rates look set to rise further, writes Jo Thornhill. For example, in its remortgage range, the lender has increased its fee-saver five-year fixed rate mortgage at 60percent LTV to 4.49percent – up by 0.24percent. Mortgage lenders continue to withdraw deals and increase rates amid inflation uncertainty, with HSBC and Clydesdale Bank now reviewing their product offerings. It follows the withdrawal of mortgage products and increased rates across the market over the past two weeks as lenders reacted to April’s higher than expected inflation figures.
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In reality relatively few borrowers are on their lender’s SVR compared to fixed rates, as SVRs tend to be much higher than the average fixed rate deals in the market. Fixed rates for residential remortgages will rise by up to 0.15 percentage points, with five-year fixed rates now starting from 5.15percent. Product transfer deals for existing HSBC customers, international applications and buy-to-let rates through brokers will be available at current rates until midnight tonight .
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The bank’s rate cut follows the news that inflation fell from 4percent to 3.4percent in February, according to official figures. Mortgage brokers are now hopeful falling inflation could lead to an interest rate cut sooner than had previously been predicted, which is likely to lead to cheaper mortgage deals. In contrast, over three years, Santander is now offering rates for remortgage from 4.6percent and its two-year rates start from 4.7percent. For home purchase Accord’s rates are now at 5.29percent for a two-year fix (1,995 fee at 75percent LTV) and equivalent five-year fixed rates start from 4.95percent.
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Virgin Money has launched a range of fixed rate mortgage deals for first-time buyers and those moving home. But though the new products include cashback incentives and free valuations, the rates represent an increase of up to 0.26 percentage points on Virgin’s previous fixed rate deals, writes Jo Thornhill. NatWest has cut fixed rates by up to 0.31 percentage points across residential purchase deals and buy-to-let loans, effective from tomorrow . Two and five-year fixed rates for purchase customers are cut by 0.16 percentage points and 0.11 percentage points respectively.