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- Skipton building society is cutting selected fixed-rate deals for existing residential and buy-to-let customers from tomorrow , writes Jo Thornhill.
- First Direct has cut all two, three and five-year fixed rates for new and existing customers by up to 0.2 percentage points.
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Specialist buy-to-let lenders Paragon and Keystone Property Finance have all cut rates, effective today, in welcome news for landlords and property investors. The mutual, the UK’s second biggest lender, said swap rates have continued to fall allowing it to make reduction to mortgage rates. At higher LTVs Halifax’s two-year fixed rate is 6.06percent (90percent LTV) or five-year at 5.81percent (95percent LTV), both with a 999 fee.
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NatWest has cut fixed rates by up to 0.31 percentage points across residential purchase deals and buy-to-let loans, effective from tomorrow . Two and five-year fixed rates for purchase customers are cut by 0.16 percentage points and 0.11 percentage points respectively. It is offering a two-year fixed rate for purchase customers at 4.58percent (60percent LTV) with a 995 fee. The five-year fixed buy-to-let rate is 4.69percent (60percent LTV) with a 995 fee (down 0.31 percentage points).
Five-year fixed rates for customers with at least 40percent equity in their property will now start from 4.3percent with a 1,495 fee. For those with 20percent equity (80percent LTV), five-year fixed rates now start from 4.94percent (or 5.34percent over two years) with a 995 fee. The bank has increased its two-year fixed rate for home purchase (for borrowers with a 40percent deposit) to 4.54percent from 4.39percent. Santander is also increasing rates on its product transfer range by up to 0.34 percentage points.
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