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There are around 4,350 residential mortgage deals on the market, according to Moneyfacts, compared to 3,640 at the start of the year and just 2,560 since last Autumn’s mini-Budget. But it is still a lot lower than the 5,300 deals available in December 2021. Virgin Money, HSBC and Yorkshire building society are offering sub-4percent five-year fixes – the first time rates have dipped below 4percent since September last year. The bank says its five-year fixed rate will be priced at 3.99percent after a 0.25 percentage point cut (60percent LTV). Reductions are less generous on tracker mortgages, which follow movements in the Bank of England Bank rate (currently 4percent).
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Its five-year fee-free Springboard mortgage deal, for first-time buyers at 95percent LTV is cut from 6.84percent to 6.64percent. Precise Mortgages is reducing rates across selected residential and BTL products. Existing lender product transfer and switcher deals also tend to have lower or no arrangement fees. SWB says it will now focus on its lifetime mortgage product. The bank says its lifetime mortgage deals are unchanged and new business applications can be submitted as normal. Virgin’s buy-to-let exclusives for remortgage and purchase are cut by 0.1 percentage points and start from 4.96percent (65percent LTV) with a 2,195 fee.
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Approvals for remortgage increased slightly from 39,100 in June to 39,300 in July. Net approvals are considered an indicator of future borrowing and market activity. Net approvals for remortgage also fell from 39,300 in July to 25,000 in August, the lowest level since 2012. The Bank of England has published the latest figures from its monthly Money and Credit Report, which are a gauge of the health of the housing and mortgage market. HSBC’s arrangement fee is lower at 999, compared to 1,295 with Virgin. The latest data from the Bank of England shows the mortgage and housing market to have dramatically slowed.
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For remortgage deals, the increases will apply on lending up to 75percent loan to value. The fee-free deal is at 5.39percent and pays 250 cashback on completion. The equivalent deal at 90percent LTV starts at 4.97percent with a 999 fee or 5.15percent with no fee. Principality building society is increasing selected fixed rates across its range by up to 0.34 percentage points, effective from tomorrow . Residential remortgage rates at 90percent and 95percent LTV are affected, as are a number of buy-to-let deals for new borrowers. The Mortgage Works, the BTL lending arm of Nationwide, has slashed selected fixed rates by up to 0.4 percentage points.