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- The society is offering two and three-year fixed rates deals for remortgage at 4.84percent (75percent loan to value) with a 1,495 fee and a five-year fixed rate for home purchase at 90percent LTV at 5.24percent.
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Further interest rate hikes are predicted to tackle the soaring inflation rate in the UK, which will have a knock-on impact on both mortgage rates and the affordability of new mortgages. First direct has, today, launched a new 10-year fixed rate mortgage in response to growing demand for greater security around household finances. The Bank’s happy-gambler.com read decision on Thursday will drive up costs straight away for around 2.2 million UK mortgage customers that have taken out variable rate or tracker mortgages. The latter mirror movements in the Bank rate so borrowers will experience an immediate knock-on in terms of their monthly repayments. The figures also reflect many buyers failing affordability checks or struggling to secure a mortgage at all after a spate of major lenders pulled deals following the mini-Budget, she added. For those looking for some certainty over repayments, a two-year fix might make more sense.
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Finally, you will need outline planning permission for the land you want to build on before you can apply. However, borrowers cannot use the government’s equity loan towards the cost of the build itself as the funds are paid directly to the lender only once the home is completed. The purpose of the equity loan is therefore to reduce the amount that’s being borrowed on the mortgage.
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However, rates are higher for small-deposit mortgages most common among first-time buyers. More lenders have trimmed mortgage rates as competition for business remains strong, writes Jo Thornhill. In contrast, TMW’s tracker mortgage rates have been increased by up to 0.2 percentage points. The regulator, the FCA, recently published guidance for lenders around forbearance and how they can help mortgage borrowers who are struggling.
Selected deals will be nudged up by 0.05 percentage points from Thursday . HSBC’s current residential remortgage rates start from 4.71percent for a two-year fix and from 4.33percent over five years. Both deals are for borrowers with at least 40percent equity in their home (60percent loan to value) and have a 999 product fee. Virgin Moneyhas made changes to selected fixed rates, through brokers, for residential and buy-to-let borrowers, reducing some deals while increasing the cost of others, writes Jo Thornhill. TSBis increasing selected fixed rates for home purchase and remortgage by up to 0.35 percentage points, effective tomorrow .
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“Anyone who fixed their mortgage last year for longer than 2 years, at less than 2percent for some and less than 3percent for others, may not need to change their spending habits for now. But for those families whose fixed-rates end in the next few months, this could mean mortgage defaults and even repossession. Making changes to your mortgage may also affect your credit file, with prospective lenders in the future being able to see that you took action because of fears of meeting your repayments. 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.
It is also offering a two-year fixed rate for landlords of houses in multiple occupation at 5.34percent with a 3percent fee. The equivalent deal for borrowers with 30percent equity has a pay rate of 4.39percent. Despite the move by Co-operative, other lenders, with less keenly priced fixed rates, have continued to reduce the cost of their mortgage deals this week. First Direct, HSBC, Santander, Virgin Money and Yorkshire building society are among lenders all still offering five-year fixed rates at under 4percent. NatWest has also slashed its residential and buy-to-let fixed rates for new and existing customers, taking its best deals below 4percent in line with its competitors.
