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• The wagering requirement of this no deposit bonus is 45x, higher than the industry standard of 35x.
• For home purchase, rates start from 4.55percent over two-years or 4.19percent over five-years, also with a 1,495 fee.
• Its core residential purchase two and five-year fixed rates and product transfer deals at 65percent and 75percent loan to value are all set to rise.

It brings the high street bank in line with the current best buy two-year remortgage deals on offer from NatWest, at 4.69percent with a 995 fee, and also from Barclays, which has a deal at 4.68percent with no arrangement fee. Borrowers need at least 40percent equity in their property to be eligible for these deals. The bank’s new two-year fixed rate for remortgage will start from 5.19percent (previously at 4.84percent) with a 995 fee (60percent LTV) and five-year equivalent deals will start from 4.69percent (4.39percent). Deals for shared ownership and shared equity mortgages are set to rise by up to 0.75 percentage points.

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Virgin Money has cut fixed rates for home purchase, available through brokers, by up to 0.12 percentage points. It is offering a two-year fixed rate (65percent LTV) at 5.6percent with a 1,295 fee. Yorkshire building society has reduced selected rates, including a cut of 0.46 percentage points on its 95percent loan to value deal for first-time buyers.

April: Natwest, Clydesdale, Ybs Join Rate

The lowest rates announced by First Direct will apply to its longer-term fixed rate deals. Swap rates, the interest rates at which banks lend to each other in the market and which dictate the movement of fixed mortgage rates for customers, have been steadily rising in recent days. Swap rates – the rates at which banks lend to each other – have nudged back down in recent days following rises last week amid general market jitters. But experts believe that, despite rising geo-political tensions, the overall outlook for interest rates remains positive, meaning mortgage rates could continue to fall in the short term before stabliising.

May: More Lenders Expected To Follow Suit

Among its cuts will be a reduction on two-year fixed rates for residential home purchase up to 95percent loan to value, and cuts on all three-year fixed rates for purchase and remortgage. Two and five-year fixed rates for BTL remortgage will be cut by up to 0.15 percentage points. The lender has withdrawn a range of broker exclusive purchase and remortgage deals and relaunched with new rates.

Virgin Moneyhas made changes to selected fixed rates, through brokers, for residential and buy-to-let borrowers, reducing some deals while increasing the cost of others, writes Jo Thornhill. TSBis increasing selected fixed rates for home purchase and remortgage by up to 0.35 percentage points, effective tomorrow . Nationwide, which has offered market-leading fixed rates for purchase and remortgage in recent weeks, will unveil its new rates and deals tomorrow morning. HSBC is increasing fixed rates for existing residential and buy-to-let borrowers looking for a new deal, and for those looking to switch to a new fixed rate and increase their borrowing. Two, three, five and 10-year fixed rate product transfer deals are increasing at 60percent LTV up to 90percent LTV.

The Mortgage Works, the BTL lending arm of Nationwide, has slashed selected fixed rates by up to 0.4 percentage points. The mutual is offering a five-year fixed rate for purchase and remortgage at 3.99percent with a 3percent fee (at 55percent LTV), and a two-year fixed rate for limited company borrowers at 4.99percent with a 3percent fee (75percent LTV). HSBC is changing selected fixed rate deals for new borrowers and existing customers from tomorrow . Its deals at higher loan-to-value ratios will be reduced, while rates on lower LTV deals are set to rise.

June: Market Divides Over Likelihood Of Bank Rate Reduction

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