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• 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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The biggest cuts are seen in two-year fixed rates for home purchase for borrowers with a small deposit. Nationwide is offering a two-year fix at 6.44percent (down by 0.29 percentage points) with a 999 fee for buyers with just a 5percent cash deposit. Keystone, the specialist BTL lender, has cut fixed rates for new and existing customers by up to 0.1 percentage points, effective today . Among the cuts it has reduced rates on its two-year fixed rates in its Standard and Specialist range at 65percent LTV. Mpowered Mortgages has cut residential fixed rate mortgages for new business.

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Fee-free two-year fixed rates start from 4.49percent (both deals are at 60percent LTV). Residential lifetime tracker rate deals are being reduced by up to 0.3 percentage points. Coincidentally, Skipton building society has today increased the cost of its fixed rates for ‘green’ additional borrowing, for example. It offers loans between 5,000 and 50,000 for existing residential mortgage customers with rates at 4.99percent over two years (up from 4.90percent) or 4.53percent over five years (4.16percent). TSB is increasing fixed rates by up to 0.75 percentage points across its range for residential shared equity and shared ownership borrowers and its buy-to-let mortgage deals. Its fee-free shared ownership two-year fixed rate is now 6.44percent (85percent LTV).

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