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- Skipton building society has made further cuts to its mortgage rates with reductions across its product range taking effect from 9am today.
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Among its new deals Co-op will offer a five-year fixed rate for residential remortgage (at 60percent loan to value) at 5.11percent with a 1,999 fee. Specialist buy-to-let lender Landbay has cut fixed rates and will offer sub-5percent fixed rates among its product range. It has a two-year fixed rate (65percent LTV) for standard BTL remortgage at 4.84percent, with a 6percent arrangement fee. Virgin Money has cut a range of its BTL deals by up to 0.26 percentage points. Among its deals, available through brokers, is a five-year fixed rate for BTL remortgage or purchase at 4.72percent with a 3percent fee (60percent LTV). Product transfer deals, for existing customers looking to switch to a new rate, have been cut by up to 0.26 percentage points, with new five-year fixed rate deals starting from 4.89percent.
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Two-year swap rates have risen to 5.052percent from 5.101percent in the last two days. This is because the Track Record loan is structured so that the monthly mortgage payments cannot be more than the average of the last six months’ rental costs the applicant has paid. Borrowers are braced for more bad news at lunchtime today as the Bank of England is expected to raise interest rates, writes Jo Thornhill. Skipton building society says it is increasing its mortgage variable rate but only by 0.25 percentage points (not the 0.5 percentage point increase announced by the Bank of England today).
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Coventry building society has also released its new residential fixed rates for borrowers with 25percent equity in their property, following a rate rise announced yesterday . The mutual is now offering a five-year fixed rate for remortgage (75percent LTV) at 4.28percent with a 999 fee. Principality building society is increasing selected fixed rates across its range by up to 0.34 percentage points, effective from tomorrow .
