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MPowered Mortgages is increasing the cost of its five-year fixed rate mortgages. Current rates, available through brokers, are being withdrawn tomorrow at 5.30pm, with new rates available from Wednesday. The mutual’s two, three and five-year fixed rates for remortgage customers at 85percent, 90percent and 95percent LTV will increase by up to 0.2 percentage points.
- The five-year fixed rate for houses for multiple occupancy start from 6.19percent with a 1,995 fee.
- In addition, Clydesdale’s specialist mortgage deals aimed at newly-qualified professionals will rise by 0.65 percentage points.
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Its five-year fixed rate for residential borrowers starts from 6.19percent with a 995 fee. It is offering a buy-to-let five-year fixed rate at 5.49percent (two-year fixed rates start from 5.94percent) – at 75percent LTV. Its two- and five-year fixed rates for remortgage and product transfer , plus its first-time buyer, home mover and buy-to-let fixed rates will increase from tomorrow . Santander and Virgin Money both increased the cost of their fixed rate mortgages yesterday.
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The deal will be available to home buyers with at least a 40percent cash deposit and there is an 899 arrangement fee. An equivalent deal at 70percent loan to value (requires at least 30percent equity in the property) will fall to 4.69percent. Its five-year fix is repriced down to 3.99percent from 4.64percent, while its 10-year fix is reduced by a chunky 98 percentage points from 4.97percent also to 3.99percent.
January: More Big Names Cut Rates
Foundation Home Loans, the specialist buy-to-let lender, has cut rates across its core range by up to 0.9 percentage points. Its fixed-rate deals, available through brokers, now start from 6.59percent. Coventry building society, the eighth biggest mortgage lender, is cutting the cost of a range of its residential and buy-to-let fixed rates and selected tracker mortgage deals from today, 15 September.
February: Market Adjusts To Bank Rate Stasis
For remortgage, the bank is offering a two-year fixed-rate deal at 4.84percent with a 999 fee, or a rate at 4.44percent over five-years. Both deals require borrowers to have at least 40percent equity in their property. Rising swap rates, the fixed rates at which banks lend to each other in the wholesale markets and which influence mortgage rates, have been rising in recent days. This is because the market now expects the Bank of England to cut interest rates in August at the earliest, rather than June. Lenders are increasing rates following increases in swap rates, the fixed interest rates banks use to lend to each other in the wholesale market which dictate the mortgage rates that are offered to customers . For borrowers with 20percent equity in their property (80percent LTV), rates for remortgage start at 5.64percent for a two-year fix with a 999 fee or from 5.04percent for a five-year fixed rate, also with a 999 fee.
He said the FCA is continuing to work with lenders and has published guidance to firms about forbearance and how to help customers who are struggling. Mr Rathi adds that any borrower who is facing financial difficulty should contact their lender to look at ways to reduce or smooth the increases to their mortgage payments. The figures throw the spotlight on the rising cost of living crisis as millions of households face the double whammy of rising interest rates and inflation at levels not seen for 40 years. Against a backdrop of nine interest rate rises during 2022, mortgage costs surged after the ill-starred mini-Budget in late September, reaching their highest levels since 2010. Monthly mortgage payments now account for 39percent of a typical first-time buyer’s take-home pay, compared to the longer-term average of around 30percent, according to Nationwide’s Affordability Report, published today. Again, the six-month average for remortgages is 45,938 approvals at a value of 9.4 billion.