27 juillet 2024 In Non classé

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The majority of two- and five-year fixed rates for buy-to-let borrowers will also be cut from Friday, again with a small number of exceptions. Andrew Bailey, Bank of England governor, told MPs on Wednesday that the UK is now “much nearer” to the top of the current interest rate cycle. This remark has been taken positively by mortgage lenders, with increasing numbers announcing reductions to their fixed rates. Product transfer deals for existing customers looking for a new rate, and those wanting additional borrowing, will also be cut by the bank.

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It follows Halifax and Santander, which both slashed fixed rates yesterday . Its two-year fixed rate for purchase with a 999 fee has been cut from 5.18percent to 5.11percent (85percent LTV). NatWest has cut the cost of fixed-rate mortgage deals by up to 0.17 percentage points ahead of today’s Bank of England Bank Rate announcement, writes Jo Thornhill. The lender’s five-year fixed rate for home purchase at 65percent LTV drops from 4.53percent to 4.47percent with a 999 fee. While the fee-free equivalent rate is cut from 4.63percent to 4.55percent. For borrowers with a 10percent cash deposit the current rate is 5.10percent for a five-year fix or 5.62percent over two years.

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