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Swap rates are the rates at which banks lend to each other and on which the cost of their fixed mortgage rate deals are priced. Keystone has cut rates across all of its five-year fixed rate deals by up to 0.15 percentage points. Its standard BTL five-year fixed rates now start from 5.98percent (65percent LTV) with a 5.5percent fee. Paragon has reduced rates across 22 products in its buy-to-let range by up to 0.26 percentage points. The lender is now offering a two-year fixed rate at 4.59percent (70percent LTV) with a 5percent fee, available for purchase or remortgage of single self-contained homes with EPC ratings of A to C. Accord, part of Yorkshire building society, has cut its fixed mortgage rates for residential borrowers for the second time in as many weeks.
- The biggest cost reductions, however, are reserved for first-time buyers, who will see up to 0.70 percentage points knocked off selected two, three and five-year fixes.
- Selected product transfer deals will be cut by up to 0.46 percentage points.
- It has a fee-free five-year fix for purchases at 4.68percent at 85percent LTV.
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- 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 market believes the Bank Rate could rise from 4.5percent to 4.75percent or even 5percent, and that this may still not be the peak for this rate cycle. First-time buyer numbers are also at record lows with more buyers (19percent of first-timers) having to resort to extra-long mortgage loans – 35 years or more – just to afford the monthly repayments. Two-year swap rates have risen to 5.052percent from 5.101percent in the last two days. The Bank of England’s Monetary Policy Committee is due to meet next Thursday . Earlier this week, MPC member Jonathan Haskel said he couldn’t rule out the possibility of two more rate rises this year as the Bank tried to combat stubbornly high inflation.
However, Accord’s change in criteria only brings it into line with that of other major lenders. Lloyds Banking Group, Nationwide, Virgin, NatWest, Barclays, Santander, TSB and Coventry building society, for example, already consider zero-hours’ contract income under certain conditions and exclusions. This is likely to restrict the maximum house price that borrowers can purchase through Track Record, particularly as the interest rate has risen since it launched.
The five-year fixed rate with a 999 fee (60percent LTV) has gone up from 3.99percent to 4.19percent. In contrast, one year ago, average five-year fixed rates at 85percent loan to value were 2.76percent. The firm says rising interest rates mean borrowers with a 15percent cash deposit are paying 1,056 a month on their mortgages, compared to 865 a month in May 2022. Lenders are continuing to pull their mortgage deals from the market while others launch new products with higher rates, as uncertainty continues around what will happen to interest rates for the rest of the year. The popularity of longer mortgage terms, which have lower monthly payments, has increased in recent years as property prices have risen.
It follows cuts of up to 0.17 percentage points to fixed rate deals by the bank less than two weeks ago. However, getting a free bonus when you first play at an online casino is also a form of establishing trust with the players, as it gives you a sample of real money games to prove they are legitimate. SlotsVentura is among the best slot sites in our database, with 4500+ slots from top-notch casino game providers like Pragmatic Play or Skilzz Gaming.
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BM Solutions is offering a two-year remortgage buy-to-let deal at 4.97percent with a 1,499 fee (65percent LTV) and five-year deals at 4.6percent. MPowered Mortgages has an equivalent two-year purchase deal at 4.72percent with a 999 fee (60percent LTV). NatWest’s two-year fixed rate for purchase is now 4.77percent with a 1,495 fee. Both Nationwide and Santander have equivalent deals over two years starting from 4.79percent. NatWest already increased rates for new borrowers in April and hiked the cost of product transfer deals on 8 May.