The mutual lender’s Track Record product, a 100percent mortgage deal which launched last month, is a five-year fixed rate deal at 5.49percent. This rate will be available until 10pm on Thursday so borrowers need to act fast if they want to secure this deal. Swap rates are the interest rates at which the banks lend to each other, and are used by banks and building societies to price the fixed mortgage rates they offer their customers.

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• The five-year fixed rate let-to-buy deal is now at 4.59percent (75percent LTV) with a 3percent fee.
• Consult an attorney or tax professional regarding your specific situation.
• Neither Coventry’s or Nationwide’s members will be given a vote on their respective deals.

Over five-years Santander is offering a remortgage deal at 4.42percent (60percent loan to value) with a 999 fee. The mutual lender has reduced the cost of deals, available through brokers, for new customers and existing borrowers looking for a new rate. A number of smaller lenders, including the Hanley Economic, Principality, Saffron and Vernon building societies, have withdrawn selected mortgage deals at higher loan-to-value ratios, such as 90percent LTV and 95percent LTV.

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January: More Big Names Cut Rates

First-time buyer deals at 90percent loan to value will be pushed up by up to 0.11 percentage points. The five-year fixed rate for purchase will be at 4.59percent with a 995 fee and the two-year equivalent deal rises to 4.99percent. Clydesdale Bank has also given notice to brokers that it will increase selected residential fixed rates by up to 0.2 percentage points from 13 February.

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January: Respite For Borrowers As Providers Start To Cut Fixed Rates

Aladdin Slots is offering new players a chance to play with 5 free spins on the Diamond Strike slot game without any deposit required. Look also at the follow-on rate, which is what the deal will revert to at the end of the term. That said, many homeowners look to remortgage to another rate once their initial fixed rate period ends.

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More than 367,000 mortgage holders will come to the end of cheap five-year fixed rate deals over the next 12 months, according to Equifax. It estimates the average borrower will now pay up to 1,400 a month on their mortgage – 40percent more than a year ago. Millions of borrowers on fixed rates could be facing ‘mortgage shock’ when they look for a new deal, and many could struggle to meet repayments, according to research by Equifax, writes Jo Thornhill. Swap rates, the interest rates at which the banks lend to each other and which they use to price fixed mortgage rates for customers, have spiked today and the market remains highly volatile.

Lenders are pulling their fixed and tracker rate offers at short notice to reprice higher as swap rates have risen rapidly ahead of an expected increase in the Bank of England Bank Rate next week.. HSBC and Nationwide have announced big increases to their fixed mortgage rates, piling more pain on beleaguered borrowers, writes Jo Thornhill. Aldermore is withdrawing its limited edition buy-to-let product at 6pm tomorrow . Brokers have been given notice to get all applications for this five-year fixed rate BTL deal in by this time.