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NatWest is increasing the cost of two- and five-year fixed rates for new and existing customers by up to 0.21 percentage points. New rates apply for remortgage, first time buyers, shared-equity loans, purchase deals and also green mortgages for purchase and remortgage. It is offering a two-year fix for remortgage at 4.46percent (60percent LTV) with a 995 fee and a five-year fix at 4.05percent (60percent LTV) with a 1,495 fee. Switcher fixed rates deals, for existing customers looking for a new rate, are going up, but the two-year tracker deal for existing customers has been cut by 0.81 percentage points. Clydesdale Bank, part of Virgin Money, has launched new fixed rate deals today for residential and buy-to-let borrowers, including a range of exclusive deals through brokers.
- Lenders are significantly increasing the cost of mortgage borrowing, as was widely expected following last month’s inflation news, to the dismay of beleaguered borrowers, writes Jo Thornhill.
- Swap rates – the rates at which banks lend to each other – have nudged back down in recent days following rises last week amid general market jitters.
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- Halifax’s move follows similar rate rises by leading lenders this week, including HSBC, Virgin Money, TSB and NatWest .
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August: Three More Lenders Slash Fixed Rate Mortgage Costs
The three-year fixed rates (which have been cut by 1.8 percentage points) will start from 4.64percent at 60percent LTV with a 995 fee. The five-year fixed rates start from 4.39percent (cut by 0.4 percentage points) at 60percent LTV with a 995 fee. Accord has tweaked rates down by 0.17 percentage points on its buy-to-let range. It is offering a five-year fixed rate at 4.97percent at 60percent LTV for house purchases, although there is a steep 1,995 fee. At 75percent LTV rates start at 5.35percent for a two-year fix (1,495 fee and 500 cashback) for remortgage customers or 5.39percent over five years with no fee.
August: Scrapping Of Lender stress Test Relaxes Mortgage Affordability
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August: Deutsche Bank Expects 7percent House Price Fall In 2023
Lenders are continuing to trim mortgage rates, despite last week’s increase to the Bank of England Bank Rate last Thursday, 23 March, writes Jo Thornhill. The average standard variable rate of mortgage interest has passed the 7percent mark for the first time in 15 years, piling on the pain for beleaguered borrowers with variable rate deals, writes Jo Thornhill. For residential customers the lender is offering a two-year fix at 6.39percent (90percent LTV) with a 999 fee.
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May: Virgin, Hsbc, Natwest Up Rates For New and Existing Borrowers
But Virgin’s Fix and Switch is the only residential five-year fixed rate with a penalty-free get-out clause, albeit with the proviso that the switch must be to a Virgin deal. The biggest cut is on the lender’s five-year fixed rate BTL deal at 75percent loan to value, which falls from 4.95percent to 4.49percent. The bank has also increased rates on its green mortgage range and deals under the mortgage guarantee scheme, as well as loyalty rates for premier banking customers. Own New already offers Deposit Drop – a scheme which, in partnership with Darlington building society, helps homebuyers in Yorkshire and the North East get access to 95percent mortgage deals. Barclays has increased rates for new and existing borrowers looking for a new deal.
Bank of Ireland is withdrawing selected residential deals and all buy-to-let mortgages at 6pm today . The lender’s five-year fixed rate for new customers (65percent LTV) is now 4.12percent with a 995 fee. In the residential market, Aldermore, Foundation Home Loans and Tipton and Coseley Building Society have pulled their entire fixed rate ranges. Bank of Ireland UK, Bath Building Society, Furness Building Society and more have pulled selected fixes. Hundreds of mortgage deals have been pulled by lenders over the past week, according to data from Moneyfacts, writes Mark Hooson. At the same time, HSBC is increasing its standard variable rate for buy-to-let customers from 7.10percent to 7.35percent.
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Andrew Bailey, Bank of England governor, told MPs on Wednesday that the UK is now “much nearer” to the top of the current interest rate cycle. This remark has been taken positively by mortgage lenders, with increasing numbers announcing reductions to their fixed rates. Product transfer deals for existing customers looking for a new rate, and those wanting additional borrowing, will also be cut by the bank. Yorkshire follows The Mortgage Works, the specialist buy-to-let lender owned by Nationwide Building Society, in bringing down five-year fixed rates under 5percent. TMW unveiled its 4.99percent deal last week – it was the first sub-5percent rate to be offered in several months .