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The calculation is based on an average five-year fixed rate of 4.44% (on a 25-year repayment mortgage) for an average first-time buyer mortgage of ‘191,219. It assumes a purchase price of ‘224,963 ‘ Rightmove’s highest recorded average asking price for first-time buyer properties. Lenders are pushing up fixed mortgage rates as the market digests another increase in the Bank of England’s Bank Rate, writes Jo Thornhill. Nationwide building society is offering its existing mortgage customers interest-free loans to pay for green home improvements, writes Jo Thornhill.
Aldermore, the buy-to-let lending specialist will withdraw all mortgage deals available through brokers at 6pm on 6 February. The lender has said the rate changes will apply to residential owner-occupier, BTL and product transfer deals (rates for existing customers looking via to switch). Virgin Money is increasing a range of fixed rate exclusive deals, available through brokers, from 9 February. NatWest is increasing selected two and five-year fixed residential purchase and remortgage rates from 9 February by up to 0.11 percentage point.
As stories from past days (see below) show, other major lenders including Nationwide, Virgin and NatWest are cutting rates to make themselves more competitive. Two more major lenders ‘ Halifax and Barclays ‘ are cutting the cost of borrowing following a flurry of rate drops across the market since the Bank of England froze its Bank Rate a week ago. The ‘effective’ interest rate (the actual interest rate paid by borrowers) on new mortgages was 4.82% in August, according to the Bank of England. Virgin’s deal, exclusively through brokers, has a ‘995 fee and is available at 60% loan to value. Lifetime mortgages are loans secured against your home that are taken out in later life as a way of releasing equity (cash) out of a property, typically to boost retirement income. The deal, available through brokers, has a ‘999 fee and requires at least a 40% deposit towards the purchase.
Use our live mortgage tables to find out what kind of mortgage rates are available for your needs and circumstances. Mortgage borrowers ‘ and those attempting to get onto the housing ladder ‘ were handed a further blow today as the Bank of England announced a seventh consecutive rise in interest rates. Last week the Bank’s rate-setting Monetary Policy Committee (MPC) raised interest rates for the seventh consecutive time to 2.25%.
The two-year fix for HMO deals starts from 6.19%, also with a 3% fee. Virgin Money and HSBC have cut selected fixed rates, with new deals including rates at sub-5%, as a price war has broken out, writes Jo Thornhill. It’s available for borrowers with at least a 40% deposit towards their purchase. Newbury building society has unveiled a range of five-year fixed rate deals for buy-to-let borrowers, with rates starting from 5.79% (75% LTV) for landlords of individual residential properties.
Santander and the Yorkshire and Skipton building societies are among a slew of lenders to have cut fixed mortgage rates in recent days, writes Jo Thornhill. From tomorrow (16 February), starting costs for five-year fixed rate mortgages at Nationwide will be pegged down by 0.19 percentage points to 3.99%. Santander is also cutting other fixed residential mortgage rates by up to 0.5 percentage points and buy-to-let rates by up to 0.3 percentage points, from tomorrow. According to online mortgage broker Better, the market is already reacting, with the lowest two-year fixed mortgage rate deals increasing from 4.02% to 4.12%. The five-year fixed rate (65% LTV) is among the market leading deals at 3.99% ‘ a cut of 0.16 percentage points.
Instead, you’ll have to scroll through the available redemptions at the time to score the best deal. Opinion Outpost provides an opportunity to share your insights in exchange for points. As you earn points, you can redeem them for cash via PayPal or gift cards. Like the other options, it will take some time to build up a significant number of points. The offers that appear on this site are from companies that compensate us. But this compensation does not influence the information we publish, or the reviews that you see on this site.
Further evidence has emerged that increased mortgage costs are causing financial distress for growing numbers of borrowers. Legal & General’s mortgage platform Ignite, used by brokers, reported a 53% increase in searches for interest-only mortgages visit the website in June, compared to the previous month. The average cost of a two-year fixed rate residential mortgage is creeping close to 7%, according to Moneyfacts today. Average two-year rates rose to 6.78% this morning ‘ up from 6.75% yesterday.
It will also offer a two-year tracker with a starting rate of 5.39%. Specialist buy-to-let lender Precise Mortgages has cut five-year fixed rates across its limited edition range. Yorkshire follows The Mortgage Works, the specialist buy-to-let lender owned by Nationwide Building Society, in bringing down five-year fixed rates under 5%. TMW unveiled its 4.99% deal last week ‘ it was the first sub-5% rate to be offered in several months (see story below).