The same deal for borrowers with a 25percent deposit (75percent LTV) has been reduced to 4.2percent (from 4.7percent). The bank has also cut its five-year fixed rate product transfer deal at 3.79percent (for customers with at least 40percent equity in their property – 60percent loan to value). The building society is offering a competitive two-year fixed rate for residential remortgage at 4.43percent with a 999 fee (65percent LTV). It also has a two-year fee-free deal at 4.59percent (up to 95percent LTV) and a five-year equivalent at 5.26percent.

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• Saffron building society has cut rates on buy-to-let deals, mortgages for the self-employed and for first-time homebuyers by up to 0.8 percentage points.
• NatWest is increasing fixed rates for new and existing customers and buy-to-let borrowers, effective from tomorrow .
• Among the highlights it is offering a five-year fixed rate for BTL purchase at 4.65percent with a 3,999 fee (65percent LTV) and a five-year fixed rate for BTL remortgage at 4.70percent with the same fee (also 65percent LTV).

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February: Market Adjusts To higher For Longer Scenario

The income booster scheme enables home buyers to add up to three people to their mortgage without them becoming owners of the property. The income of these joint borrowers can be taken into account when calculating the size of the loan, which can enable a first-time buyer to borrow more. The deal, available through brokers, has a 999 fee and requires at least a 40percent deposit towards the purchase. In contrast, mortgage deals taken up until 20 November will still revert to the bank’s ‘Follow-on’ rate, which is 8.5percent. These deals are for standard, single self-contained BTL properties, and are available for purchase and remortgage. Borrowers with small deposits also benefit, with Halifax cutting its 90percent loan to value five-year fix from 5.68percent to 5.27percent, also with a 999 fee.

February: Virgin Increases Cost Of Remortgage Deals

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March: Rising swap Rates Feed Through To Customers

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Nationwide building society has increased rates by up to 0.21 percentage points across selected fixed and tracker mortgage products for new and existing customers, writes Jo Thornhill. Clydesdale Bank, part of the Virgin Money group, has cut the interest rates charged to existing 65percent and 75percent LTV customers who transfer to new products. Eligible customers may elect to transfer if they’re paying standard variable rate or when their fixed rate deal ends, for example. Clydesdale is offering a two-year fix at 4.4percent with a 449 fee and a five-year fix at 4.02percent, also with a 499 fee. Gen H has cut fixed rates across all products at 80percent LTV by up to 0.15 percentage points. It is offering first-time buyer deals at 4.64percent (two-year fix) and 4.45percent (five-year fix), both with a 999 fee.

The Spanish-owned bank increased rates by up to 0.34 percentage points last month as it joined the majority of mainstream lenders in pushing up rates since the start of the year. Its current residential home purchase rates start from 4.28percent and 4.6percent with a 999 fee (at 60percent LTV). Figures from the regulator the Financial Conduct Authority show that around 1.5 million homeowners will come to the end of fixed-rate mortgage deals during 2024, with many currently paying less than 3percent. The bank will unveil its new rates and deals, available direct and through brokers, tomorrow morning.

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It is offering a five-year fixed rate at 95percent LTV at 5.06percent with no fee and 250 cashback. This product is available for borrowers using the deposit unlock scheme – a private scheme run by house builders that enables buyers to get on the property ladder with a 5percent cash deposit. Accord is also offering a fee-free two-year fixed rate for remortgage at 5.61percent at 90percent LTV with 500 cashback. The same deal for home purchase is 5.04percent with a 995 fee and 500 cashback. At the same time selected fixed rates at 60percent and 75percent LTV have also been cut by up to 0.48 percentage points. Virgin Money is cutting fixed rates for residential and buy-to-let customers.