A number of lenders have been repricing their fixed-rate deals downwards in response to changing market sentiment on happy-gambler.com see here now rates. Others are now expected to follow Halifax and Santander in trimming rates. A number of the bank’s product transfer deals , have also been increased.

• The moves follow increases by major lenders last week including Halifax, HSBC, Santander, Nationwide, TSB, NatWest and Virgin Money .
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• Rising swap rates, the fixed rates at which banks lend to each other in the wholesale markets and which influence mortgage rates, have been rising in recent days.
• The bank is offering a two-year fixed rate deal for home buyers at 4.79percent with a 999 fee (85percent LTV) and a five-year equivalent deal at 4.64percent.
• Five-year deals at 70percent LTV currently start from 4.39percent with a 7percent fee (or from 4.79percent with a 5percent fee at 75percent LTV).

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Santanderfor Intermediaries is cutting selected fixed rates, available through brokers, for new and existing customers by up to 0.29 percentage points. Standard residential rates, buy-to-let deals and rates for new build mortgages are all set to get a haircut. Fixed rates for residential product transfer will be cut by up to 0.1 percentage point, while BTL transfer deals will be cut by up to 0.17 percentage points. The Mortgage Works, the specialist lending arm of Nationwide building society, has cut selected fixed rates for new and existing buy-to-let borrowers by up to 1.2 percentage points. Among its new rates the mutual lender will offer a two-year fixed rate for home purchase or remortgage at 3.69percent with a 3percent fee (65percent LTV) and a five-year equivalent deal at 3.94percent (55percent LTV), also with a 3percent fee.

It is thought the government will offer backing to lenders in the form of a financial guarantee in a similar way to its current 95percent mortgage guarantee scheme. However, only homebuyers with the chunkiest deposits could see their rate reduced to 0.99percent. Offered by Own New, a company set up in 2022 to make home purchase more accessible, Rate Reducer works by ‘rerouting’ housebuilder cashback incentives from the buyer to the mortgage lender. Net approvals for remortgage – which relates to remortgaging with a different lender, not transfers with an existing lender – remained stable at 30,885 in January . But the number is higher than the 25,819 recorded in January 2023.

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