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Last week the Bank of England held its Bank Rate at 5.25%, giving no indication when it might be cut. Virgin Money and Halifax have signed up to offer a new type of mortgage deal for buyers of new-build homes, with possible rates on offer at below 1%, writes Jo Thornhill. In addition, Clydesdale’s specialist mortgage deals aimed at newly-qualified professionals (such as doctors and solicitors) will rise by 0.65 percentage points.
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Its two-year and five-year fixed rates for remortgage customers (at 60% LTV) are now priced at 5.51% (up from 5.36%) and 5.12% (up from 4.89%) respectively. Coventry building society and a number of smaller lenders are increasing the cost of fixed rate mortgages for new and existing customers looking for a new deal, writes Jo Thornhill. Two and five-year fixed rates for more info buy-to-let customers (both new business and existing customers looking for new deals) are set to rise by up to 0.6 percentage points. Currently TSB’s five-year fix for BTL remortgage is 5.24% with a ‘995 fee ( 60% LTV). TSB will raise the price of a range of its fixed rates for residential and buy-to-let customers, available through brokers, from tomorrow (5 July).
According to Trussle research, this could save households up to ‘4,000 a year compared with a standard variable rate (SVR) mortgage. The cost of living is soaring with annual inflation at 9.1% in the year to May, while the Bank of England’s Base rate has risen five times since December from 0.1% to its current 1.25%. Currently pegged at 1.25%, some forecasters are suggesting that interest rates will rise to 1.75% when the Bank of England announces its next decision on Thursday. Lenders will now base their calculations on forecasted interest rates, although this must include a minimum ‘stress buffer’ of at least 1 percentage point above a borrower’s original mortgage rate.
Last week these same deals, which both have a ‘999 fee, were priced at 4.84% and 4.34% respectively. The building society’s two-year fixed rate deal for remortgages will be priced at 5.74% (60% LTV) or 5.25% for a five-year fix. Nationwide is increasing the cost of fixed rates for new business and existing customers looking to transfer to a new deal, by up to 0.7 percentage points from tomorrow (16 June). It is offering a two-year fix for home purchase at 85% loan to value at 5.64% ‘ 0.2 percentage points higher than yesterday. Its five-year fixed rate for new remortgage customers is now 4.88% (60% LTV) ‘ up 0.24 percentage points. Major mortgage lender HSBC is increasing the cost of fixed rate deals through brokers by up to 0.35 percentage points, writes Jo Thornhill.
Its two-year fixed rate deal at 4.62% with an LTV of 85% and a ‘999 fee, available for residential purchase and remortgage purposes. Two, three and five-year fixed rates for existing borrowers with a higher loan to value ratio have also been cut by up to 0.21 percentage points. At the same time, lenders are cutting their fixed rates of interest, with HSBC group the latest to announce a reduction click this link now (see below). There is a five-year fixed rate for purchase and remortgage at 4.4% (65% LTV) with a ‘1,999 fee. Virgin Money is cutting its broker-only fixed mortgage rates and offering a five-year fix at 3.79% (65% LTV) ‘ down from 3.9%. TMW’s let-to-buy mortgages, where a borrower rents out their first home, remortgaging to fund the purchase of a second property, are also cut.
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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 (known as HMOs). The lender’s two-year fixed rate at 75% LTV in this market sector, for purchase and remortgage, is now at 5.19% with a 3% fee. 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.
The mortgage is available to first-time buyers, homemovers, remortgagers, and those looking for additional borrowing, while borrowing terms can extend to up to 40 years. The rules were introduced by the Bank of England in 2014 and revised in 2017. However, interest rates only increased by a maximum of just 0.5 percentage points between 2017 and 2021, prompting concerns that the 3% ‘stress test’ uplift was too high. However, pressure is mounting on lenders to refrain from passing on the full impact of the latest rise, as households continue to struggle with rising living costs. Even before today’s hike, average SVR costs stood at 5.4% according to Moneycomms.co.uk.
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