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Reacting to Mr Bailey’s comments this week, the society said it was seizing the “opportunity posed by positive happy-gambler.com link market noises on interest rates”. The ‘effective’ interest rate on new mortgages was 4.82percent in August, according to the Bank of England. Yorkshire’s new 4.92percent five-year fix is available up to 75percent loan to value and has a 1,495 fee. At the same time, Nationwide has increased the amount that self-employed applicants can borrow. The maximum loan to Income ratio is rising to 5.5 times income, up from 4.49 times.
Over two years, MPowered’s equivalent fixed-rate deal for purchase has been slashed to 4.67percent (down from 4.84percent), also with a 999 fee. Inflation is expected to fall steeply when the April figure is announced this Wednesday due to the drop in energy prices in recent months. This may prompt more lenders to adjust their pricing downwards as it becomes more likely the Bank of England will cut interest rates in response to falling inflation, either in June or August. These latest rate cuts are likely to bring both banks in line with the best buys in the market. Virgin Money has increased the cost of selected fix and switch purchase deals by 0.1 percentage points. However, the data also shows the amount of mortgage arrears is growing, as higher rates continue to bite.
- This would come as welcome news for borrowers struggling with affordability.
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- The move – which includes deals below the psychologically important 4percent level – follows rate reductions yesterday by Halifax and Leeds building society .
- Santander and Halifax, two of the UK’s biggest mortgage lenders, have both increased selected fixed rates again for new borrowers, writes Jo Thornhill.
Virgin Money is also increasing selected product transfer fixed rate deals, for existing customers looking for a new deal, by up to 0.05 percentage points. Despite the Bank of England’s interest rate hold, Virgin Money has announced rate increases to selected fixed rate deals for home purchase and remortgage, available through brokers, at higher loan to value ratios. The Spanish-owned bank has also reduced selected fixed rate deals for buy-to-let purchase and remortgage, available through brokers. Yorkshire Building Society has increased the cost of selected fixed rate residential mortgage deals by up to 0.4 percentage points with immediate effect.
Average two- and five-year fixed rates have fallen since the start of August and are at 6.70percent and 6.19percent respectively. The mutual, the UK’s second biggest lender, said swap rates have continued to fall allowing it to make reduction to mortgage rates. NatWest is the latest lender to offer a sub-5percent mortgage as part of a number of cuts to its fixed-rate range, effective tomorrow .
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Nationwide has cut its fixed mortgage rates by up to 0.6 percentage points for first-time buyers, home movers and remortgage customers. TMW follows a slew of lenders who have trimmed their fixed rate mortgages down in recent weeks as competition for new business has increased. MPowered Mortgages cutting fixed rates by up to 0.7 percentage points. It follows a rate cut of up to 0.31 percentage points earlier this month. However, Virgin still remains among a small group of lenders offering five-year fixed rates at under 4percent. They include First Direct, HSBC, Santander and Yorkshire building society.
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Its five-year fixed rate for remortgage has gone up from 4.90percent to 4.95percent for example, but the new deal offers free valuation and 250 cashback. However, it is cutting selected residential product transfer deals for existing customers by up to 0.15 percentage points, effective tomorrow . Leeds building society has also announced rate cuts to selected BTL products for new and existing customers. Loans for BTL remortgage for new and existing borrowers with at least 40percent equity have been cut by up to 0.15 percentage points.
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