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The remaining 95percent must be funded with a self- https://happy-gambler.com/hooks-heroes/rtp/ build mortgage from a lender registered with the scheme, which is offered by Homes England. Currently pegged at 1.25percent, some forecasters are suggesting that interest rates will rise to 1.75percent when the Bank of England announces its next decision on Thursday. Lenders will now base their calculations on forecasted interest rates, although this must include a minimum ‘stress buffer’ of at least 1 percentage point above a borrower’s original mortgage rate. Until the rate of inflation cools from its current rate of 9.9percent – the government target is just 2percent – further interest rate rises are widely expected. However, the Bank of England has revised its peak inflation forecast down from 13percent by the end of the year to 11percent in October. However, pressure is mounting on lenders to refrain from passing on the full impact of the latest rise, as households continue to struggle with rising living costs.
- Among the highlights its five-year fixed rate for home purchase is now priced at 5.13percent (65percent LTV) with a 1,295 fee.
- 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 .
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It has already been cut twice since the New Year and is currently priced at 5.35percent. Swap rates, the interest rates at which banks lend to each other, have nudged up again as sentiment grows that interest rates will stay higher for longer. Last week the Bank of England held its Bank Rate at 5.25percent, giving no indication when it might be cut. Virgin Money and Halifax have signed up to offer a new type of mortgage deal for buyers of new-build homes, with possible rates on offer at below 1percent, writes Jo Thornhill. In addition, Clydesdale’s specialist mortgage deals aimed at newly-qualified professionals will rise by 0.65 percentage points.
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The average two-year fixed mortgage rate is now around 6.23percent, according to data compiler Moneyfacts – a seven month high. By comparison, average two-year fixed rates stood at 5.26percent last month after the Bank of England’s Bank Rate decision. Virgin Money quickly followed suit, announcing it will increase its fixed rates from 8pm this evening. Moneyfacts says the average two-year fixed rate has hit 6.66percent, up from 6.63percent yesterday and the highest level for short-term fixed rates in 15 years. It takes the cost of two-year fixed rates above the peak seen in October last year – when they reached 6.65percent – after Kwasi Kwarteng’s mini-budget spooked the markets.
Switcher deals, aimed at existing Nationwide customers looking for a new mortgage rate, are being cut by up to 0.3 percentage points. These include a five-year fixed rate at 3.89percent (60percent LTV) with a 999 fee and a 10-year fix at 4.29percent (60percent LTV) with no fee. West One, the specialist lender, is launching a range of residential mortgage deals with rates as much as 0.94 percentage points lower than its existing deals.
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The five-year fixed rate (65percent LTV) is among the market leading deals at 3.99percent – a cut of 0.16 percentage points. Its Platinum range has a two-year fix at 5.59percent and a five-year fix at 5.45percent. Deals are available to first time buyers, home movers and remortgage customers, including those with lower credit scores. Maximum loan to value is 70percent and arrangement fees range from 995 to 2,995, depending on the size of the loan. Two-year fixed rates start from 4.09percent (60percent LVT) with a 995 fee, or fee-free the rate would be 4.49percent. The mutual is offering a five-year fixed rate for residential customers at 4.99percent (60percent LTV) with a 999 fee but it has withdrawn all two-year fixes.
Brokers say the bank is looking to grab some market share but that the lower rates are not likely to stick around for long. Leeds building society has increased the cost of selected fixed rates including some shared ownership deals. Its three-year fixed rate for residential remortgage has been withdrawn.
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The lender, which last month changed its name from Platform, has cut two, three and five-year fixed rates for home purchase and residential remortgage by up to 0.5 percentage points. TSB is also cutting fixed rates on its product transfer deals, for existing customers looking for a new rate, and deals for additional borrowing by up to 0.5 percentage points. Landbay, the specialist buy-to-let lender, has cut selected fixed rates by up to 0.2 percentage points. Among its new rates, the lender is offering a two-year fix for standard BTL landlords at 4.89percent (75percent LTV) with a 6percent fee. For landlords of houses of multiple occupancy Landbay has a five-year fixed rates at 5.05percent also with a 6percent fee.
