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First direct also offers two-year and five-year fixed rate mortgages. First Direct joins a number of other lenders to offer 10-year fixed rate mortgages including Halifax, TSB and Lloyds, as demand grows for long-term financial certainty. But while this points to increased volatility in the mortgage market, which could cause difficulties for borrowers looking to secure a new deal, fixed mortgage rates are falling. The bank has announced the launch of a limited run of fixed rate owner-occupied and buy-to-let mortgages and is offering a two-year fixed rate at 5.49% at 75% LTV with no fee. The same fixed interest rate is also available over five years, also at 75% LTV with no fee.
Bath and Family building societies withdrew mortgage products from the shelves yesterday (14 June) and are expected to launch new repriced rates in the coming days. In addition, for borrowers falling behind with repayments, it was agreed that customers would not be forced to have their homes repossessed within 12 this page months from their first missed payment. To secure current rates, mortgage applications must be submitted by 10pm tonight with new rates kicking in tomorrow. The moves follow increases by major lenders last week including Halifax, HSBC, Santander, Nationwide, TSB, NatWest and Virgin Money (see stories below).
You’ll find various projects on your dashboard, and you can filter them by relevance, most recent, payout, the time required, and profession. Most surveys on LifePoints are worth 50 to 500 reward points (about $0.50 to $5.00). You’ll get your daily list of available surveys on your dashboard hassle-free. LifePoints is a merger of MySurvey and Lightspeed, which were solid paid survey companies.
Its three-year fixed rate for residential remortgage has been withdrawn. TSB has said it is increasing the cost of its two and five-year fixed rates for purchase and remortgage by up to 0.35 percentage points from tomorrow (28 June). Buy-to-let rates, product transfer deals and additional borrowing fixed rates will also increase at the same time, by up to 0.3 percentage points. First Direct has cut its two, five and 10-year fixed rate deals by up to 0.2 percentage points. The bank is offering a 10-year fix for remortgage customers starting at 5.19% (75% LTV) with a ‘490 booking fee. Its lowest two-year fixed rate for remortgage (at 60% LTV) is now at 5.99% with a ‘490 fee.
That said, many homeowners look to remortgage to another rate once their initial fixed rate period ends. In March 2021 the government launched a new Mortgage Guarantee Scheme to encourage lenders to start offering high LTV mortgages again. First Direct has launched its first ever 95% loan to value (LTV) mortgage for first-time buyers and people moving home. Alternatively, you could speak to your lender about a higher loan-to-value (LTV) ratio ‘ that is, the amount you want to borrow in relation to the value of the property. Be aware, however, that higher LTVs typically mean higher rates of interest and more expensive monthly repayments. ‘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.
The two-year fixed rate at 85% LTV has fallen slightly to 5.77% (down from 5.79%). Nationwide building society has reduced fixed rates on selected product switcher deals (rates for existing customers looking for a new deal) and further advances by up to 0.31 percentage points. It is offering two-year fixed rates from 4.82% (60% LTV) with a ‘999 fee and five-year fixed rates at 5.3% (95% LTV) with a ‘999 fee. Aldermore is cutting selected residential and buy-to-let fixed rates for new and existing customers from tomorrow (1 December). Among its new deals is a five-year fixed rate for individual and company landlords (for single residential BTL properties) at 4.69% with a 7% fee (65% LTV).
Precise Mortgages, the specialist lender which caters for borrowers with poor credit scores, has lowered selected fixed rate deals and extended its residential lending up to 80% loan to value. Its deals, available through brokers, start from 5.44% for a five-year fixed rate with a ‘995 fee. Coventry building society has cut residential fixed rates by up to 0.2 percentage points and buy-to-let rates by up to 0.22 percentage points. The mutual lender is offering a five-year fixed rate for residential remortgage from 4.29% (65% LTV) with a ‘999 fee, for example. The bank will reduce the rates of a range of residential fixed rate products as well as new-build and selected first-time buyer deals.
The lender’s new deals, available exclusively through brokers for new and existing customers, have been cut by up to 0.8 percentage points. Principality building society is cutting selected residential fixed rates (75% LTV up to 90% LTV range) by up to 0.34 percentage points, effective from tomorrow (17 January). Two-year rates will start from 4.49% with a ‘895 fee at 75% LTV) and equivalent five-year rates start from 4.28% you can try these out with a ‘1,395 fee. The mutual lender will also cut buy-to-let rates by up to 0.1 percentage point. Halifax is increasing the cost of fixed rates across its range, available through brokers, for new and existing customers (product transfer deals) from tomorrow (9 February). Principality building society is increasing selected fixed rates across its range by up to 0.34 percentage points, effective from tomorrow (6 March).
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Mystery shopping or product testing is not included in LifePoints, but you can participate in the giveaways on Twitter, Facebook, and Instagram to win $10 ‘ $20. Upon completion of a survey, you can get an average of 50 ‘ 500 points, equivalent to $0.5 ‘ $5. Meanwhile, you can refer friends, complete service or product offers, participate in polls, or complete challenges to speed up your earning process. Once reaching 500 points, you can redeem them for cash or amazing rewards. I know for a fact that Pinecone Research has online surveys that pay well because I took surveys through this platform back when I was in college and trying to make extra money.
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In fact, they have over 5,000 different offers users can complete to unlock free cash. You can become a member for free and start earning LifePoints by taking online surveys. You’ll get an immediate 10 LifePoints added to your account when you verify your email address and provide basic information like your name, date of birth, and address. Filling out a complete profile will allow you to view and select surveys that fit your demographic.