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Foundation Home Loans has also cut rates for owner-occupier mortgages by up to 0.1 percentage points. HSBC has cut its fixed rate buy-to-let and international BtL mortgages by up to 0.3 percentage points. It is offering a BtL five-year fix at 4.64percent (75percent LTV) with a 1,999 fee. Two-year fixed rate BtL deals start from 4.69percent (60percent LTV) and 4.84percent at 75percent LTV – both with a 1,999 fee. The majority of First Direct’s rate cuts are for high loan to value deals, helping borrowers with a smaller cash deposit or less equity in their property. All First Direct mortgages are either fee-free or come with a maximum fee of 490.

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