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Those looking to buy for the first time will have an even steeper road to climb in terms of showing sufficient affordability against lenders’ more expensive mortgage rates. On the back of nine interest rate rises in 2022, the cost of mortgages also increased. Interest paid on new borrowing rose by 26 basis points to 3.35percent, while rates on existing mortgages increased by 9 basis points to 2.38percent. Based on BoE data, however, the ONS estimates that around 353,000 fixed-rate mortgages are due to be renewed between January and March this year.

• Elsewhere, five-year fixed rates at 60percent LTV have dropped by 0.25 percentage points to 2.24percent, while at an LTV of 80percent, the five-year fixed rate is now 5.29percent (down 0.20 percentage points).
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• 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.
• Help to Build, which is available in England only, offers self or custom home-builders an equity loan of between 5percent and 20percent (up to 40percent in London), so long as they can put down a deposit of at least 5percent.

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Both this deal and the purchase rate at 4.59percent are for borrowers with at least 40percent equity or deposit (60percent loan to value) and each has a 999 fee. The online bank, which only offers mortgages direct and not through brokers, has reduced its two-year and three-year fixed rates at 95percent LTV to 5.99percent. Halifax for Intermediaries has unveiled its new fixed rates following a rate cut yesterday .

September: Fixed Rates Fall As Svrs Follow Bank Rate Hike

Virgin Moneyhas increased the cost of selected residential and https://happy-gambler.com/resident/ buy-to-let fixed rate deals, through brokers, by up to 0.2 percentage points. Its core residential purchase two and five-year fixed rates and product transfer deals at 65percent and 75percent loan to value are all set to rise. Virgin Moneyis making some changes to selected fixed rate mortgage deals, available through brokers, effective from 8pm today . It is slightly increasing the rate on its five-year fee-free purchase deal for borrowers with a 25percent cash deposit (75percent loan to value) from 4.66percent to 4.67percent.

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Product transfer deals – those rates available to existing Virgin customers looking for a new deal – will also rise by up to 0.15 percentage points. The lowest five-year fixed rate for product transfer will start at 5.01percent. HSBC’s two-year fixed rate for remortgage borrowers (at 60percent LTV) is now 5.79percent (up from 4.99percent) while its five-year rate (also 60percent LTV) is 5.29percent (up from 4.56percent). HSBC is increasing the cost of its fixed rate mortgages for new and existing customers from Monday as it responds to ongoing turmoil in the markets, writes Jo Thornhill. The banks were asked about what longer term fixed rates they had available for remortgage customers, which could offer greater stability around payments.

June: Halifax, Virgin, Natwest Latest To Hike Rates

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Selected shared ownership and First Homes scheme deals, as well as green mortgages will also be reduced from tomorrow. Virgin’s buy-to-let exclusives for remortgage and purchase are cut by 0.1 percentage points and start from 4.96percent (65percent LTV) with a 2,195 fee. Brokers say the latest reductions by HSBC and Nationwide may prompt the Spanish-owned bank to review its rate and reprice downwards.

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Nationwide building society, the UK’s second largest lender, is increasing selected fixed rates for new borrowers by up to 0.25 percentage points from tomorrow . NatWest and Nationwide are also both offering keenly-priced five-year fixed rates for remortgage at 4.42percent and 4.49percent respectively (both at 60percent LTV). Nationwide offers an equivalent deal at 4.44percent with a 1,495 fee for mortgages of 300,000 or more. LiveMore, the specialist mortgage lender for people aged over 50, has cut fixed rates across its product range by up to 0.58 percentage points. The reductions apply on retirement interest-only mortgages, standard capital and interest mortgages, as well as on lifetime mortgages for equity release, among other deals.

Virgin Money has slashed its mortgage rates by up to 0.51 percentage points and launched a sub-4percent five-year fixed rate, while Dudley building society and Together have also trimmed rates down, writes Jo Thornhill. Santander and the Yorkshire and Skipton building societies are among a slew of lenders to have cut fixed mortgage rates in recent days, writes Jo Thornhill. From tomorrow , starting costs for five-year fixed rate mortgages at Nationwide will be pegged down by 0.19 percentage points to 3.99percent. Santander is also cutting other fixed residential mortgage rates by up to 0.5 percentage points and buy-to-let rates by up to 0.3 percentage points, from tomorrow. According to online mortgage broker Better, the market is already reacting, with the lowest two-year fixed mortgage rate deals increasing from 4.02percent to 4.12percent.