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The Mortgage Works, the specialist buy-to-let lending arm of Nationwide, has also announced rate cuts of up to 0.4 percentage points across its range. It is offering two-year fixed rates for BTL purchase or remortgage at 4.19percent with a 3percent fee (65percent LTV). Virgin Money is cutting selected fixed rates for new and existing customers by up to 0.36 percentage points from tomorrow , writes Jo Thornhill.

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• 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.

Its lowest two-year fixed rate for purchase has fallen from 4.99percent to 4.94percent and its lowest two-year fixed rate for remortgage is now at 5.09percent. These five-year and two-year fixed rate deals from Santander are all available to borrowers with at least a 40percent cash deposit or equity (60percent loan to value). Leeds building society has cut selected fixed rates for new customers by up to 0.37 percentage points, following fellow mutual lenders Coventry and Skipton, which both cut rates this week. The Mortgage Works, the specialist lending arm of Nationwide building society, has cut rates on selected BTL product transfer deals for existing customers by up to 0.2 percentage points.

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More information will also be provided to help customers plan ahead when their fixed-rate mortgage deal comes to an end. The regulator says anyone worried about being able to afford their mortgage payments should contact their lender as soon as possible. Its rules mean lenders are required to treat customers fairly and give them support tailored to their circumstances. With average property values in the UK well above 260,000, many first-time buyers – who make up 85percent of all housebuyers – struggle to raise the funds for deposits.

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The move – which includes deals below the psychologically important 4percent level – follows rate reductions yesterday by Halifax and Leeds https://happy-gambler.com/riviera-play-casino/ building society . Among the reductions is an interest rate fall of 0.55percent on two-year first-time buyer and home mover loans, which now start at 4.54percent for LTVs up to 60percent with a 995 fee. Earlier this week Halifax, the UK’s largest mortgage lender, kicked off the first of the New Year’s rate reductions, continuing a market trend from 2023 . “Fixed rates are expected to reduce over the next few years, but nothing is certain. Clients want stability but tend to opt for a two-year fixed rate as no one wants to be tied into a higher rate for longer than necessary.

The latest product count sits above 4,000 for the first time since August 2022, a positive sign of stability returning to the market after product choice plummeting after the mini-Budget in September last year. “But given household incomes are so under pressure at the moment, it is hard to see whether many borrowers will be able to take advantage of these increased limits, even if they wanted to. The bank has said it will write to customers who have a regular monthly overpayment of more than 500 a month (or more than 8percent per year) to let them know about the increase to its overpayment allowances. Most lenders allow borrowers to make penalty-free overpayments each year of up to 10percent. The latest moves are the fourth round of mortgage rate reductions that Nationwide has announced since the start of the year and the ninth since last Autumn’s mini-Budget. 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.

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Mortgage brokers agree the market has been subdued and there will be a knock-on impact for the housing market. This is because interest rates have climbed rapidly over the past 18 months as the Bank of England has attempted to bring down soaring inflation. The next Bank Rate decision is due on 22 June and pundits now believe the Bank rate will climb further, from 4.5percent to 5percent.