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Deals for BTL remortgage start from 4.81percent fixed over two years, or 4.66percent fixed over five years. These deals are available at a 60percent loan to value and come with a 3,499 fee. Most of the time, online casinos give a list of eligible games that you can play with your no deposit bonus.
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- The specialist mortgage deal, called Rate Reducer, will launch from Monday next week .
- It’s believed lenders are reassessing their product offerings in response to uncertainty over future interest rate hikes as inflation remains high.
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February: Raft Of Major Lenders Adjust Mortgage Costs
It became the last of the biggest six lenders to cut rates over the past two weeks, writes Jo Thornhill. The bank is offering a two-year fixed rate at 6.44percent and a five-year rate at 5.74percent. Atom also has a two-year fix at 6.19percent and a five-year rate at 5.59percent, both have a 900 fee (75percent LTV). So-called ‘swap’ rates are the amounts charged by banks as they lend to each other on wholesale money markets. They are the rates lenders use to price their fixed mortgage rates for customers.
June: Looming Bank Rate Rise Spooks Market
It is likely to mean interest rates will remain higher for longer, with a rate cut by the Bank of England now more likely in the autumn rather than June, as had been hoped. Halifax for Intermediaries is increasing its maximum loan to value ratio on part-repayment/ part-interest-only mortgages from 75percent to 85percent from tomorrow . For smaller loan sizes, the best five-year purchase rate is now at 4.4percent with a 999 fee, on offer with Santander. For home purchase the equivalent five-year rate is 4.69percent (also 75percent LTV) and over two years rates start from 4.99percent. Over five years, the lender’s purchase deal is cut from 4.92percent to 4.78percent (also 85percent LTV with an 899 fee). They follow MPowered Mortgages, which cut the cost of selected deals earlier this week.
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NatWest’s buy-to-let fixed rates, available through brokers, have seen significant increases. The two-year fix with a 995 fee (60percent LTV) has risen to 6.49percent from 5.24percent. The mortgage, available exclusively to first-time buyers, pays the 2,000 cashback when borrowers take out selected five-year fixed rate products at 90percent to 95percent LTV. Its five-year fixed rate for residential remortgage is now at 5.44percent with a 999 fee (60percent LTV). It is also offering a fee-free two-year fixed rate for BTL purchase at 6.44percent (60percent LTV).
May: Sentiment Nudges Towards Early Bank Rate Cut
It comes as other mainstream lenders Santander and Virgin Money have both withdrawn or increased their sub-4percent fixed rates. Specialist lender Accord, part of Yorkshire building society, offers a five-year fixed rate with no early repayment penalties on a buy-to-let mortgage deal. First-time buyer deals at 90percent loan to value are now from 5percent for a two-year fixed rate or 4.55percent over five-years, both with a 999 fee. Its five-year 95percent loan to value fee-free first time buyer deal is at 5.14percent.
September: State Bank Of India 3 9percent Offer Shocks Market
The lender’s two-year fixed rate at 75percent LTV in this market sector, for purchase and remortgage, is now at 5.19percent with a 3percent fee. But as well as the table-topping five-year remortgage deal, Santander has said it will offer a similar deal for home purchase at 3.94percent. Coventry building society is increasing all fixed rates for residential customers remortgaging at 75percent loan to value (borrowers with 25percent equity in their property) from 1 February. But selected residential home purchase fixed rates, product transfers and fixed rates for new and existing BTL borrowers will be reduced. Nationwide is also increasing selected fixed rates on its product transfer deals and rates for additional borrowing, for existing customers. The hikes affect borrowers with at least 25percent equity in their property.
The calculation is based on an average five-year fixed rate of 4.44percent (on a 25-year repayment mortgage) for an average first-time buyer mortgage of 191,219. It assumes a purchase price of 224,963 – Rightmove’s highest recorded average asking price for first-time buyer properties. A higher Bank of England Bank Rate will also mean higher variable and tracker mortgage rates. This comes after 12 successive increases to Bank Rate over the past 18 months, which have led to significantly higher mortgage repayments for borrowers. Such figures have led to speculation that the Bank of England may be forced to hold or further increase its main rate next month – directly affecting mortgage lenders and the rates they charge to borrowers. It’s believed lenders are reassessing their product offerings in response to uncertainty over future interest rate hikes as inflation remains high.
