This fee-free five-year fixed rate loan is available to first time buyers with no deposit but who have proof of paying 12 consecutive months rent in the past 18 months, among other conditions. It is offering a five-year fixed rate for remortgage at 5.34percent and a two-year fix at 5.9percent (both deals are at 60percent LTV and have a 995 fee). There is a five-year fixed rate for house purchase at 5.21percent (75percent LTV) with a 1,295 fee. The bank cut fixed rates for purchase by up to 0.6 percentage points earlier in the week. TSB is cutting its two- and three-year fixed rate deals for new customers from tomorrow by 0.1 percentage points. The mutual lender is reducing all five-year fixed rates, and most of its two- and three-year fixed rates for residential remortgage, with a small number of exceptions.

• This deal, available through brokers, is on offer for borrowers with at least 40percent equity in their property.
• The five-year fixed rates start from 4.39percent (cut by 0.4 percentage points) at 60percent LTV with a 995 fee.
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• Halifax Intermediaries is making cuts of up to 0.46 percentage points across its fixed mortgage rates for home purchase and is offering a market-leading five-year deal at 4.53percent, writes Jo Thornhill.

The Bank of England may decide to increase its Bank Rate from 4.5percent to 4.75percent when it meets later this month because inflation, particularly food inflation, remains high. The headline rate of inflation fell from 10.1percent to 8.7percent from April to May but core inflation, with energy and food costs stripped out, rose from 6.2percent to 6.8percent, disappointing many analysts. The market now predicts the Bank of England will be forced to raise the Bank Rate again when it makes its next scheduled announcement on 22 June (currently it is at 4.5percent) to combat stubborn inflation. This is because the Track Record loan is structured so that the monthly mortgage payments cannot be more than the average of the last six months’ rental costs the applicant has paid. The Bank of England’s Monetary Policy Committee will announce its latest decision on interest rates at 12 noon today. In addition, for borrowers falling behind with repayments, it was agreed that customers would not be forced to have their homes repossessed within 12 months from their first missed payment.

August: Scrapping Of Lender stress Test Relaxes Mortgage Affordability

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Among its range it is offering a two-year fixed rate at 5.66percent (60percent LTV) for purchase, with a 1,295 fee and a five-year fee-free deal for remortgage at 5.49percent (75percent LTV). TSB has cut selected residential rates for new business by up to 0.25 percentage points. Its two-year fixed rate for home movers is now 5.74percent (75percent to 80percent LTV) with a 995 fee. Five-year fixed rates for home movers now start from 5.09percent (60percent LTV). The lender’s three-year fixed rates for remortgage have been cut by up to 0.2 percentage points and start from 5.64percent (60percent LTV) with a 995 fee. Santander’s five-year fix is at 4.95percent with a 999 fee and is available to borrowers with a 40percent cash deposit to put down towards their home purchase.

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The Bank of England Governor Andrew Bailey recently commented that this was likely to be the case, although another rate rise is possible when the Bank’s Monetary Policy Committee meets to discuss rates tomorrow. State Bank of India has launched a two-year fixed-rate deal for new buy-to-let customers at 3.9percent as the mortgage price war continues to rage, writes Jo Thornhill. This is known as a product transfer, and could be more popular during the cost of living crisis as there are usually low or no fees to switch and the lender does not carry out a new affordability assessment.

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Virgin has a purchase exclusive deal, through brokers, at 4.58percent with a 1,295 fee (60percent LTV) and a five-year fixed rate for remortgage at 4.8percent (70percent LTV) with a 995 fee. Other major mortgage lenders are sharpening their knives to bring steep cuts to fixed rates as competition hots up once again following this month’s Bank Rate hold by the Bank of England at 5.25percent. The lender has also made cuts to purchase deals, through brokers, for first-time buyers and across its new build, larger loans and shared equity and shared ownership scheme deals.

The five-year BtL fixed rate (60percent LTV) is at 4.72percent with a 1,995 fee. Nationwide building society has increased its fixed rate across its mortgage range for new and existing customers looking for product transfer deals by up to 0.25 percentage points from tomorrow . The lender’s tracker deals are set to increase by up to 0.85 percentage points. Selected product transfer fixed rates, for existing customers looking for a new deal, will also rise by up to 0.15 percentage points. It follows a rate rise by Virgin of 0.15 percentage points to a range of its fixed rate deals on Monday this week.

April: Market Adjusts As Rate Cut Date Remains Uncertain

Food inflation, for example, was 15.4percent in May, according to the British Retail Consortium. Meanwhile, Precise Mortgages, Kensington, Kent Reliance, Hodge and Marsden Building Society have each withdrawn select deals. In April, according to the Office for National Statistics, the headline rate of inflation fell less than expected, from 10.1percent to 8.7percent.