Virgin will offer a two-year fix for remortgage at 5.26percent (60percent LTV) with a 995 fee. Virgin Money has cut fixed mortgage rates for new customers by up to 0.19 percentage points, and is offering a market-leading five-year fixed rate for home purchase at 4.71percent. Accord is also increasing its 10-year fixed rate for residential remortgage customers at 75percent loan to value by 0.07 percentage points. Swap rates are the interbank interest rates at which banks lend to each other, they are widely used by lenders as a guide for pricing fixed rate mortgage deals.
- Among the new rates it is offering a two-year fixed rate at 5.19percent for BTL purchase or remortgage (75percent LTV) and a five-year fix at 5.64percent (also 75percent LTV).
- Its five-year fixed rates will start from 5.4percent (60percent LTV) with a 995 fee.
- Some brokers have expressed surprise at HSBC’s rate ries, given the growing market sentiment that the Bank of England could cut interest rates this summer.
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June: Market Expects Bank Rate Cut On 1 August
The building society will increase fixed rates by up to 0.45 percentage points for new borrowers, including first-time buyers, and on deals for existing customers looking to transfer. Clydesdale Bank, part of Virgin Money group, is increasing the cost of its fixed rate mortgage deals by up to 0.4 percentage points for new and existing customers from tomorrow . Two and five-year fixed rates with a 999 arrangement fee (80percent LTV) will start from 4.62percent. The bank has also launched a broker-exclusive five-year fixed rate (80percent LTV) with 500 cashback at 4.58percent. Santanderhas increased its fixed rate deals for product transfers. All fixed rates will rise by between 0.05 percentage points and 0.33 percentage points.
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For example, its https://happy-gambler.com/prissy-princess/ two-year fixed rates are up from 5.16percent to 5.26percent, while five-year rates have risen from 4.85percent to 4.95percent. Virgin Moneyis increasing selected fixed rates for new and existing customers by up to 0.1 percentage points. The lender’s new three-year fixed rate for remortgage, available through brokers, has fallen to 4.49percent with a 999 fee.
Keystone, the specialist BTL lender, has cut fixed rates for new and existing customers by up to 0.1 percentage points, effective today . Among the cuts it has reduced rates on its two-year fixed rates in its Standard and Specialist range at 65percent LTV. TSB has cut rates for existing customers looking for a new fixed rate deal and those looking for additional borrowing.
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The Mortgage Lender has cut selected residential and BTL rates, through brokers, by up to 0.35 percentage points and is offering a five-year fixed rate for standard BTL remortgage at 5.16percent with a 3percent fee. State Bank of India is cutting fixed rates across its buy-to-let lending range by up to 0.5 percentage points, effective from tomorrow . It will offer a two-year standard BTL fixed rate at 3.65percent (50percent LTV), although there is a 5percent fee. Standard BTL five-year rates start from 4.95percent, also with a 5percent fee.
Zephyr, the buy-to-let lender, has cut its two-year fixed rates by up to 0.55 percentage points and five-year fixed rates by up to 0.65 percentage points. Two-year deals start from 4.8percent with a 5percent fee, while five-year deals start from 5.3percent with the same fee (both at 65percent LTV). Despite the move by Co-operative, other lenders, with less keenly priced fixed rates, have continued to reduce the cost of their mortgage deals this week.
At that point, the regulator expected the Bank rate to peak at 5.5percent. But that estimate has now fallen to 4.5percent, allowing the FCA to adjust its figures. The regulator estimates that an additional 356,000 mortgage borrowers could face payment problems by the end of June 2024. This is on top of 200,000 households the FCA says are already in financial difficulty. A full time nursery place costs an average of 264 a week (322 a week in London), according to a Family and Childcare Trust survey – and that is the cost for just one child. Rental costs increased by 4.8percent in the year to February 2023 in the UK , according to the Office for National Statistics.
A number of other lenders, including Nationwide, Virgin Money, Santander and NatWest, have all cut five-year fixed rates to below 5percent. The new remortgage deal will be available at 4.99percent with a 999 fee, for borrowers with 40percent equity in their property (60percent loan to value). HSBC, the sixth largest mortgage lender, has unveiled its new fixed-rate deals, including a five-year fixed rate for home purchase at 4.84percent and a five-year fix for remortgage at 4.98percent, writes Jo Thornhill. The rates are significantly lower than the average two-year fixed residential mortgage rates on offer on the open market. The current average rate is 6.41percent, according to Moneyfacts, while the average five-year fixed rate is 5.96percent. TSB has cut fixed rates for new residential and BTL customers by up to 0.2 percentage points.