Rates on two-year fixes for first-time landlords and trading companies are cut by 0.1 percentage points with a rate of 4.69percent with a 3percent fee (75percent LTV) or at 5.19percent with a 2percent fee. At the same time, lenders are cutting their fixed rates of interest, with HSBC group the latest to announce a reduction . Virgin Money is cutting its broker-only fixed mortgage rates and offering a five-year fix at 3.79percent (65percent LTV) – down from 3.9percent.

HSBC has returned to the mortgage broker market with increased rates on its remortgage products following its temporary withdrawal last week, writes Jo Thornhill. The building society’s two-year fixed rate deal for remortgages will be priced at 5.74percent (60percent LTV) or 5.25percent for a five-year fix. Recent increases to fixed mortgage rates across the market mean that borrowing costs have soared for those on variable rates and those looking to remortgage or switch to a new deal. Santander has bucked the recent trend of serial rate increases by major lenders by announcing that it is holding its mortgage rates.

• The mutual’s equivalent two-year fixed rate for home purchase will start from 4.65percent.
• Nationwide Building Society, TSB and Virgin Money have all announced plans to cut mortgage rates in what will be welcome news for borrowers.
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In March 2021 the government launched a new Mortgage Guarantee Scheme to encourage lenders to start offering high LTV mortgages again. Lenders will continue to be limited by the number of mortgages they are able to offer at loan-to-income ratios of 4.5 and above. First direct has, today, launched a new 10-year fixed rate mortgage in response to growing demand for greater security around household finances. Santnder, Halifax, Virgin Money, Halifax and Skipton Building Society are among the major lenders that have closed mortgage offers to new customers in the last couple of days. However, existing mortgage applications will be processed as normal. Mortgage lenders are pulling deals due to the volatility of sterling on international currency markets and the prospect of interest rate rises to 6percent by next year.

April: Market Adjusts As Rate Cut Date Remains Uncertain

These are deals for existing customers who are looking for a new rate. Bank of Ireland has said it will improve selected BTL rates from tomorrow . Its two-year fixed rates for BTL remortgage at 60percent LTV will start from 4.79percent with a 995 fee and equivalent five-year rates will start from 4.59percent. Two and five-year fixed rate deals for product transfer and deals for further advance will also be cut by up to 0.11 percentage points from tomorrow.

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It follows other major lenders, NatWest and Santander, which have both announced rate hikes to fixed rate borrowing, also effective from tomorrow. The best buy five-year fixed rate for remortgage is now 4.4percent, on offer from Santander (at 60percent LTV) with a 999 fee (previously the lowest rate was 4.28percent with NatWest). The YBS hikes coincide with Santander’s rate increase to its fixed rate mortgage range announced yesterday – the second in less than a week .

February: Raft Of Major Lenders Adjust Mortgage Costs

Virgin has also cut rates for home purchase with fee-free five-year fixed rate deals starting from 5.04percent (65percent LTV). Virgin Money is cutting residential fixed rates for new and existing customers by up to 0.29 percentage points and is launching a market-leading five-year remortgage fixed rate at 4.9percent. The lender’s two-year fixed rate for residential mortgage customers looking to switch to a new deal now starts from 6.24percent (65percent LTV). Atom Bank, the app-based lender, has reduced selected fixed rates by up to 0.25 percentage points. It is offering two-year fixed rates from 5.69percent, three-year rates from 5.54percent and five-year deals from 5.24percent, all at 60percent LTV and with a 900 fee.

October: Competition Intensifies Across Product Categories

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