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The two-year fixed rate for new customers moving home (60percent LTV) is now 6.14percent, down from 6.34percent. Paragon Mortgages, the buy-to-let specialist lender, has cut fixed borrowing rates by up to 0.45 percentage points. This is for single self-contained BTL properties with an energy performance certificate of A to C. Specialist buy-to-let lender Keystone Property Finance has cut fixed rates in its Classic range by up to 0.25 percentage points. Its two-year fixed rate is 6.64percent (65percent LTV) with a 2.5percent arrangement fee.
- Halifax, the UK’s largest mortgage lender, has slashed rates on remortgage products by up to 0.83 percentage points, with effect from today.
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- It could therefore accelerate the ability to buy, giving security of tenure and avoiding the frustration of house prices potentially moving further out of reach while people are saving.
According to Trussle research, this could save households up to 4,000 a year compared with a standard variable rate mortgage. Because it’s an equity loan, the amount you owe grows relative to the property value. This means if house prices go up, you will pay back more than you initially borrowed.
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The bank is making cuts of up to 0.55 percentage points to its five-year fixed rate for remortgage as well as reductions of up to 0.4 percentage points on fixed rate first time buyer and shared ownership deals. Rates in this sector now start at 4.2percent (down from 4.25percent) also with a 999 fee at 60percent LTV. Equivalent deals at 75percent LTV and 90percent LTV are now at 4.30percent and 4.89percent respectively. Accord, the specialist lending arm of Yorkshire building society, is withdrawing a range of residential mortgage products for new borrowers this evening and will increase the rates from 9 February. Volatile market conditions are prompting more lenders to increase fixed-rate mortgage deals, writes Jo Thornhill. Nationwide joins a growing number of lenders in its upping mortgage costs.
Its three-year deal for remortgage starts at 4.99percent ( happy-gambler.com take a look at the web site here 60percent LTV) with a 999 fee. Among the highlights, HSBC is offering a five-year fixed rate for home purchase at 4.89percent for borrowers with a 10percent deposit (90percent loan to value) with a 999 fee. The bank is offering a five-year fixed rate for home purchase from 4.64percent and equivalent deals for remortgage from 4.83percent, writes Jo Thornhill.
Mortgage brokers have welcomed the government’s extended free childcare scheme claiming it will boost affordability for thousands of families and help many get a foothold on the property ladder. However, they say it’s unfortunate that the changes won’t begin to take effect for at least a year. Many lenders are now pricing in a Bank rate ‘hold’ at 4percent by the Bank of England when it announces its latest interest rate decision on Thursday . The average SVR was recorded at 7.15percent at the end of March, according to data from online broker Better. So we’re ensuring all these considerations and more are going into the development of our new product. Lenders usually put up their SVRs in response to any Bank Rate rise.
April: Borrowers Urged To Plan Ahead As Deals Near End
The rate reductions will benefit new and existing borrowers looking for a new fixed rate, including those with just a 5percent cash deposit or equity in their home. There are selected free slots on reputed online casinos that pay real money. There are offers and deposit bonuses available at these casinos to reward players for their loyalty, too. While you can expect to win money without a deposit, you can also decide to add funds and get over 100 free spins as part of deposit bonuses. Keystone Property Finance, the specialist buy-to-let lender, has reduced its standard and holiday home fixed-rate mortgage deals by up to 0.2 percentage points. It offers a five-year fixed rate at 5.64percent with a 4percent arrangement fee or 5.89percent with a lower 3percent fee.
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July: Nationwide, Tsb, Hsbc, Barclays Announce Rate Cuts
NatWest’s two-year equivalent deal is now priced from 4.44percent with a 1,495 fee (60percent LTV). Virgin Money has reduced selected residential and buy-to-let mortgage rates by up to 0.65 percentage points, including broker-exclusive remortgage rates and deals for larger loans (1 million plus). Co-operative Bank for Intermediaries has also increased selected product transfer deals for residential customers , by up to 0.6 percentage points. But product transfer deals for existing buy-to-let borrowers have been cut by up to 0.78 percentage points. But Virgin has also launched a new fee-free two-year fixed rate for home purchase for borrowers with just a 5percent cash deposit. Aldermore, the buy-to-let lending specialist will withdraw all mortgage deals available through brokers at 6pm on 6 February.
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BM Solutions, the BTL lending arm of Lloyds Banking Group, is cutting its fixed rate buy-to-let mortgage deals from tomorrow. It is offering a fee-free five-year fixed rate for BTL purchase at 5.41percent (65percent LTV) or a lower rate of 4.89percent but with a 3,999 fee. Its two-year remortgage rate for BTL will start from 6.14percent (65percent LTV) with no arrangement fee (the rate is 5.84percent with a 1,499 fee).
An added financial danger, however, is that those who are already paying a substantial proportion of their net income in mortgage costs will be stretched by the increased payments on their new deal. In turn, they could be forced into reducing any savings provision they are already making whether in the form of cash deposits, individual savings account, or pension. Despite the run of Bank rate rises, most borrowers with fixed-rate mortgages have, until now, been insulated from their effects because they have remained within the offer periods for their home loans.
