Residential remortgage rates at 90percent and 95percent LTV are affected, as are a number of buy-to-let deals for new borrowers. Saffron building society has cut rates on buy-to-let deals, mortgages for the self-employed and for first-time homebuyers by up to 0.8 percentage points. It is offering a five-year fixed rate for residential first-time buyers with a 10percent cash deposit at 5.27percent. Santanderhas cut a range of its residential and buy-to-let fixed rate deals by up to 0.21 percentage points, effective from tomorrow . Santander has consistently offered competitive rates for home purchase and remortgage in recent months, and this latest rate cut could see them back at the top of the best buys.

• The bank’s popular two-year fixed rate remortgage deal has gone up by 0.35 percentage points to 6.28percent (60percent LTV) with a 999 fee.
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From tomorrow HSBC will increase its standard variable rate from 6.79percent to 6.99percent and the SVR for buy-to-let customers will also rise from 6.35percent happy-gambler.com continue reading to 6.85percent. The two-year fixed rate (65percent LTV) is now 4.37percent – a cut of 0.16 percentage points. The fee-free two-year fixed rate is cut by 0.26 percentage points to 4.6percent. The market regulator, the Financial Conduct Authority, has told lenders to offer more support to hard-pressed borrowers facing an increase in their repayments . “With rates in a state of flux we’re likely to see mortgage rates fluctuating.

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Despite some lenders continuing to nudge down their fixed rate offerings as competition in the market remains hot, brokers say fixed-rate reductions are likely to soon go into reverse. Two, three and five-year fixed rates for existing borrowers with a higher loan to value ratio have also been cut by up to 0.21 percentage points. Swap rates – the wholesale interest rates at which the banks lend to each other – have fallen sharply following the news from the US.

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Reductions are less generous on tracker mortgages, which follow movements in the Bank of England Bank rate (currently 4percent). Costs for a two-year deal start at 4.24percent with a 999 fee, having been cut by just 0.05 percentage points. “While not every lender is wholly reliant on the money markets and swap rates for its lending capacity, they will still influence where it prices. Even those lenders with deep pockets will observe movements and what the competition is doing in order to preserve service levels. But the lender’s fee-free two-year fixed rate for new-build properties is reduced by 0.07 percentage points to 5.73percent (available up to 90percent LTV). Fixed mortgage rates continue to be volatile in response to fluctuating wholesale lending markets, which heavily influence the price of mortgages, writes Jo Thornhill.