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Coventry’s fixed rates for residential borrowers at 80percent loan to value and buy-to-let deals for new borrowers at 75percent LTV are being withdrawn. There are no changes to product transfer deals for existing customers looking for a new fixed rate deal. The Mortgage Works, part of Nationwide building society, has also cut selected fixed rates.
- Among its other new rates is a five-year fix at 5.17percent (85percent LTV), also with an 899 fee.
- The market-leading deal for home purchase is available to borrowers with at least 40percent equity or cash deposit towards their purchase and there is a 999 fee.
- The Bank of England is expected to keep interest rates on hold at 5.25percent when its monetary policy committee meets tomorrow, and the general market consensus now is that rates will remain higher for longer in 2024.
- The lender’s deals, available through brokers, start from 4.94percent with a 6percent fee (75percent loan to value) on its standard five-year fixed rate buy-to-let product.
- Private rental prices in London increased by 4.6percent in the same period – this is the strongest annual percentage change in the capital since 2013.
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The proportion of total loan balances with arrears, relative to all outstanding mortgage balances, also increased from 1.12percent in quarter three of 2023 to 1.23percent in Q4 of 2023. The lender has also announced it is cutting its maximum working age on some mortgage applications from 75 to 70. For someone buying a typical first-time buyer property at 200,000, a 5,000 deposit would equate to 2.5percent of the purchase price, with the remaining 97.5percent being borrowed. Yorkshire Building Society is launching a deal for first-time buyers that enables them to get on the housing ladder with just a 5,000 deposit, writes Jo Thornhill.
March: Existing Customers Benefit When Switching
Deals now start from 4.49percent with a 1,499 fee (60percent LTV) over two years and from 4.04percent over five years at the same LTV. The move, which brokers described as ‘inevitable’ follows Santander, which pulled the plug on its sub-4percent remortgage deal on Tuesday . It comes amid a flurry of price adjustments from rival lenders, also announced today. Five-year switcher rates, for borrowers looking for a new deal with Nationwide, will start from 4.19percent with a 999 fee. Several other major lenders are increasing their borrowing rates, with a consensus emerging that the Bank of England will keep interest rates higher for longer in the face of stubbornly high inflation.
September: Wave Of Cuts Follows Bank Rate Hold
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The fee-free two-year fixed rate for remortgage is now available from 5.15percent (60percent LTV). MPowered’s remortgage rates are higher than its purchase rates over two and five years, but they are still competitive. It is offering a two-year deal at 4.77percent and five-year rates from 4.43percent (both at 60percent LTV with a 999 fee). In contrast, Natwest has a five-year fixed rate for remortgage at 4.32percent (60percent LTV), for example, but it has a bigger fee at 1,495.
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Family building society is cutting fixed mortgage rates by up to 0.3 percentage points across owner-occupier, interest-only, buy-to-let and expat deals, writes Jo Thornhill. Nationwide building society is increasing its fixed rates across select mortgage products for new customers by up to 0.45 percentage points, writes Jo Thornhill. More lenders have nudged down the cost of their fixed rate mortgage deals to attract new business, despite experts predicting a further increase to the Bank of England Bank Rate next month, writes Jo Thornhill. TSB is withdrawing all two-year fixed rates for residential remortgage borrowers up to 75percent LTV from 4 May. But when the market expects this to happen lenders tend to push up their fixed rate mortgage deals – even before an actual interest rate decision.
It marks the lowest level recorded since June when the property market ground to a halt during the Covid pandemic. “One tactic some will turn to is to negotiate a longer-term mortgage in excess of 25 year, and for many that could take repayments into retirement age for one or both of the borrowers,” Evelyn’s Gary Smith said. In a letter to the cross-party Treasury Select Committee, Nikhil Rathi, the regulator’s chief executive, said 200,000 households had already fallen behind with their home loan repayments by June 2022. More than 750,000 households are at risk of defaulting on their mortgages in the next two years, according to the Financial Conduct Authority , writes Jo Thornhill. Monthly mortgage payments are taking a larger bite out of typical first-time buyer household outgoings, writes Laura Howard. Loans for house purchase fell to 35,000 in December last year – down from 46,000 in November.
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Data for stamp duty receipts show there were 77,390 residential property sales in January – a fall of 7percent annually and down 27percent since December 2022. For non-residential sales there were 8,500 transactions – an 11percent annual fall, or a drop of 3percent month on month. The number of searches around house prices also increased dramatically, up by 172percent over the past year. And although the lowest five-year fixes are still below 4percent, some providers have tweaked their deals upwards in recent days or removed their best buys to control business levels . FCA research has found borrowers aged are more likely to be financially stretched than the rest of the working age population, as well as those living in London and the South East. It also found almost half of those in difficulty (47percent) wrongly believe contacting their lender for support would damage their credit rating.
