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It is offering fee-free options, also for home movers, at slightly higher rates. That said, today’s five-year fixed rate mortgages have fallen from their peak in autumn 2022. The average five-year fixed rate at 85percent LTV was 5.89percent last October. The lenders concerned say their tracker mortgage rates – which are formulated to match movements in the Bank Rate – will increase as usual. Nationwide building society is offering its existing mortgage customers interest-free loans to pay for green home improvements, writes Jo Thornhill.

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• The bank’s two-year fixed rate at 85percent loan-to-value is cut from 5.23percent to 4.99percent with an 899 fee.
• According to Trussle research, this could save households up to 4,000 a year compared with a standard variable rate mortgage.
• Two-year swap rates have risen to 5.052percent from 5.101percent in the last two days.
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Five-year fixed rate deals for existing customers looking for a product switch start from 5.69percent with a 749 fee. Coventry has cut its two, three and five-year fixed rates, available through brokers, for new residential borrowers, while two and five-year offset mortgage rates have been lowered. Its product transfer deals for existing residential customers will also be shaved to offer lower rates on two and five-year fixes and offset loans. Santander has cut fixed rates for residential and buy-to-let borrowers by up to 0.32 percentage points, writes Jo Thornhill. The reductions apply to both purchase and remortgage deals and are available to new and existing customers.

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“In light of this, it might be worth considering reserving your next mortgage deal on your current home, which you can typically do between three and six months in advance of it starting. This essentially means securing rates as they are today and taking advantage later in the year if they have since gone up. However, actual interest rates increased by a maximum of only 0.5 percentage points from 2017 to 2021, prompting concerns that this 3percent stress rate uplift was too high. Lenders will instead base their ‘stress test’ on forecast interest rates, although this must include a minimum ‘stress buffer’ of at least 1 percentage point above the original mortgage rate. The Help to Build equity loan is not exclusively for first-time buyers, but you must live in the newly-built home as your only property to be eligible. Finally, you will need outline planning permission for the land you want to build on before you can apply.

March: No Bank Rate Cut Expected On Thursday

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Virgin Money has cut https://mobilecasino-canada.com/betway-casino/ selected fixed rates by up to 0.25 percentage points and is offering a market-leading five-year fixed rate for remortgage at 4.7percent with a 995 fee (60percent loan to value). The deal, on offer through brokers, is available for seven days from today. The Mortgage Works, the buy-to-let arm of Nationwide building society, has cut selected fixed rates by up to to 0.3 percentage points. The reductions apply to limited company buy-to-let mortgages and lending for houses in multiple occupation .

Halifax for Intermediaries is cutting selected fixed rates by up to 0.25 percentage points, also from tomorrow. Santander is offering five-year fixed rates for remortgage customers from 4.71percent, three-year rates from 4.96percent and two-year rates from 4.92percent. Barclays has also announced cuts of up to 0.5 percentage points on selected purchase fixed rates. The reductions take the cost of the lender’s two-year fixed rate for purchases down to 4.17percent (from a previous 4.62percent) with a 899 fee and 40percent deposit.

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The bank has withdrawn its 4.59percent five-year fixed rate remortgage product for buy-to-let borrowers. Virgin Moneyhas cut selected fixed rate deals for residential purchase and remortgage by up to 0.69 percentage points. Among the highlights its five-year fixed rate for home purchase is now priced at 5.13percent (65percent LTV) with a 1,295 fee. The five-year fix for remortgage customers has dropped to 5.28percent (60percent LTV) with a 995 fee. Scottish Widows, part of Lloyds Banking Group, is cutting five-year fixed rates on product transfer deals and for borrowers wanting a further advance .

Lenders are expected to react in the coming days to the Bank of England’s latest rate rise by increasing the cost of their mortgage deals and standard variable rates. But some early movers are showing restraint in welcome news for borrowers, writes Jo Thornhill. The bank’s two-year fixed rate for remortgage will start from 5.74percent (60percent LTV) and five-year remortgage rates from 5.34percent (60percent LTV). Other lenders continue to reprice their fixed rate deals upwards in reaction to the Bank of England interest rate rise.

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“Virgin is likely being more conservative than other lenders in reaction to swap rate movement, and is also looking to maintain prompt service levels in response to increased customer demand. ‘Switchers’ is how Nationwide refers to existing customers remortgaging to a new deal. Elsewhere, mortgage lenders have continued to adjust rates in the wake of yesterday’s Budget. Childcare costs, which can run into thousands of pounds a year, have a significant impact on mortgage affordability.

February: Borrowers Seemingly Undeterred By High Rates

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