It has a five-year fix home mover deal at 4.44percent (90percent LTV) with a 999 fee. However, the bank has increased the SVR on its buy-to-let mortgages by 0.25 percentage points to 7.1percent . TSB is increasing fixed rates by up to 0.75 percentage points across its range for residential shared equity and shared ownership borrowers and its buy-to-let mortgage deals. Its fee-free shared ownership two-year fixed rate is now 6.44percent (85percent LTV). The five-year fix for remortgage BtL customers is 5.44percent (75percent LTV) with a 995 fee. Virgin, which has consistently offered among the most competitive fixed rate deals in recent months, also recently increased fixed rates across the board.

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Virgin Money lender has slashed rates across its mortgage range by up to 0.59percent. Its broker-exclusive deals see some of the biggest cuts with a two-year fixed remortgage deal now priced at 4.6percent (65percent LTV). Five-year fixed rates start from 4.28percent (65percent LTV) or 4.7percent at 95percent LTV, both with a 1,495 fee. At 75percent LTV two year fixed rates start from 4.29percent and five-year rates are from 4.79percent.

November: Virgin Joins Fray With Raft Of New Deals

Fixed rate mortgages have continued to climb following the Bank of England’s decision last month to raise interest rates from 4.5percent to 5percent. Dame Angela Eagle MP asked the panel why mortgage rates were so much more expensive than average borrowing costs in France and Germany. Committee Chair Harriet Baldwin MP asked about the significant rise in mortgage costs for borrowers and potential increases to arrears.

In addition, the 95percent LTV three-year new build fixed rate with no product fee and 250 cashback is 5.87percent, down from 6.01percent. Its two-year fixed rate for purchase with a 999 fee has been cut from 5.18percent to 5.11percent (85percent LTV). Products for existing Clydesdale borrowers looking to switch to a new fixed rate will also be lowered by up to 0.1 percentage point from tomorrow . After the funds have gone through and the offer is activated, you can start playing your favourite casino games. Most no deposit bonuses usually have a time limit attached to them.

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The moves follow the Bank of England’s quarter percentage point increase to the Bank Rate, from 5percent to 5.25percent, on 3 August. The market is now predicting borrowing costs have reached or are close to their peak for this cycle. Swap rates have fallen in expectation that the Bank of England is at or is close to the end of its current trajectory of increasing the Bank Rate, which stands at 5.25percent. According to report published today from credit reference agency Equifax, four-in-ten homeowners (41percent) now have a mortgage term that runs past retirement age . More than a quarter of these loans are held by borrowers who will be older than 70 when their mortgage matures.

The bank’s five-year fixed rate for home purchase for borrowers with a 10percent cash deposit, is cut from 4.97percent to 4.44percent with a 999 fee. The fee-free two-year fixed rate is now at 5.1percent, while the same deal with a 999 arrangement fee is cut to 4.84percent. The bank’s five-year fixed rate deal for residential remortgage will now start from 4.22percent with a 999 fee, for borrowers with at least 40percent equity in their property. HSBC has raised the cost of fixed rate mortgage deals across its range – including its market leading 3.99percent five-year fixed rate for remortgage – in a blow to prospective borrowers, writes Jo Thornhill. Rates on residential product transfer deals, including two-, three- and five-year fixed remortgage deals will increase across the board for borrowers with at least 25percent equity in their home. Barclays, NatWest, Virgin Money, Clydesdale Bank and Principality building society have nudged selected residential fixed rates higher, following a swathe of lenders doing the same in recent weeks.

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Accord, part of Yorkshire building society group, is bucking the trend for lowering rates by increasing its two and three-year fixed rates on BTL product transfer deals . Selected deals will be nudged up by 0.05 percentage points from Thursday . HSBC has said it will shave selected rates on two, three and five-year fixed rates for home purchase at 90percent to 95percent LTV. The bank’s two and three-year fee saver fixed rates for purchase will also rise at 90percent LTV. Selected remortgage fixed rates, from 60percent LTV up to 90percent LTV, will increase.