The equivalent two-year first time buyer fixed rate is now 5.84percent (down 0.35 percentage points). Mortgage experts say sub-4percent fixed rate deals aren’t about to disappear, despite the recent spike for lenders in the cost of providing fixed rates to customers, writes Jo Thornhill. Skipton building society has cut the rate on its five-year fix buy-to-let mortgage, while removing from the market its 75percent and 80percent LTV deals for existing residential mortgage customers. Specialist lender Keystone Property Finance has cut its two-year fixed rate buy-to-let mortgages by up to 0.4 percentage points.

Skipton’s buy-to-let fixed rates now start from 5.47percent for a two-year fixed rate with a 995 fee (60percent LTV) and from 4.88percent for a five-year fixed rate with a 2,995 fee (also 60percent LTV). HSBC, Barclays, NatWest and Skipton building society have all trimmed their fixed rates down in recent days . The Big5 casino no deposit bonus provides Canadian players with C7, as well as 5 free spins on the popular Quickspin slot game Spinions. This bonus gives you the opportunity to win extra funds and use them in various games.

• 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.
• The lender’s five-year fixed rate for shared equity purchase will start from 5.19percent (75percent LTV) with a 995 fee.
• The bank is offering a five-year fixed rate for remortgage at 4.19percent with a 999 fee (60percent LTV).
• It is offering a fee-free two-year fix at 75percent LTV from 4.79percent for residential borrowers.
• Its five-year deals now start from 4.09percent for home purchase, or from 4.19percent for remortgage.

The fee-free deal is at 5.39percent and pays 250 cashback on completion. happy-gambler.com my site The equivalent deal at 90percent LTV starts at 4.97percent with a 999 fee or 5.15percent with no fee. It is also cutting the cost of fee-free two-year fixed rates for home purchase for borrowers with just a 5percent or 10percent cash deposit. At 90percent loan to value the rate will fall from 6.16percent to 5.99percent and at 95percent LTV the rate will fall from 6.19percent to 6.08percent.

Five-year BTL rates with a 1percent and 3percent fee now start from 4.34percent and 3.87percent respectively. The innovative part of the plan is that borrowers are able to switch to another deal after two years if desired because the five-year fixed rate has no early repayment charges after two years. The mutual lender’s 100percent loan to value Track Record mortgage has not been cut in this latest round of reductions.

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Nationwide’s rate cuts mean it will now offer a three-year fixed rate for residential remortgage at 5.08percent (60percent LTV) with a 999 fee and a five-year fix, also for remortgage, at 5.34percent (85percent LTV) with a 999 fee. It will also cut product switcher deals, for existing borrowers, by up to 0.25 percentage points. Landbay has cut its buy-to-let fixed rates by up to 0.3 percentage points. It is now offering a two-year fixed rate at 4.39percent, albeit with a 6percent fee and at 55percent loan to value. Other highlights include a five-year fixed rate at 5.05percent (75percent LTV), also with a 6percent fee.

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Selected product transfer and buy-to-let fixed rates are being cut by between 0.1 and 0.14 percentage points. Virgin’s five-year fix for remortgage through brokers, with a 1,495 fee, is now at 5.44percent (65percent LTV). 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 5.19percent (75percent LTV) with a 490 booking fee. Its lowest two-year fixed rate for remortgage (at 60percent LTV) is now at 5.99percent with a 490 fee.

If average monthly rent has been 800, for example, monthly mortgage repayments cannot exceed 800. At a higher fixed interest rate, this means first-time buyers will have to borrow less. There is growing concern that the Bank of England seems to be unable to bring inflation down as quickly as had been hoped.

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It follows increases to HSBC’s fixed rates of up to 0.8 percentage points on 28 June. Among the bank’s owner-occupier deals are a two-year fixed rate at 6.44percent and five-year fixed rates from 5.99percent (75percent LTV) with a 995 fee. The bank’s two-year fixed rate for remortgage (75percent LTV) has risen to 6.14percent from 5.94percent, with a 999 fee.