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Given most lenders have increased their fixed rates in recent weeks, it means there is now significant potential for rate reductions in the coming fortnight. The bank’s five-year fixed rate for remortgage falls to 4.32percent from 4.77percent, also with an 899 fee and available at 60percent LTV (borrowers need 40percent equity in their property). Reduced rates for first-time buyers, home movers, remortgage customers and deals for energy-efficient homes will be live on the bank’s website tomorrow morning. HSBC has unveiled its new fixed-rate mortgage deals for residential and buy-to-let borrowers, following a cut of up to 0.18 percentage points, first announced last week . The mutual lender is offering a two-year fixed rate at 5.14percent (85percent LTV) with a 999 fee.

The new two-year fixed rates, available on deals up to 75percent loan to value, are for home purchase and remortgage. The new three-year fix is available up to 75percent LTV for remortgage. Specialist buy-to-let lender BM Solutions is cutting fixed rates by up to 0.71 percentage points from tomorrow . The lender’s two-year fixed rate deals for remortgage (65percent LTV) are being cut by the full 0.71 percentage points and will start from 6.51percent. Five-year fixed rates are cut by up to 0.4 percentage points and start from 5.71percent. Accord, the specialist lending arm of Yorkshire building society, has also announced rate cuts of up to 0.2 percentage points on some of its high loan to value deals from tomorrow .

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Specialist lenders MPowered Mortgages, Fleet Mortgages and Lendco are withdrawing fixed rate deals available through brokers at 5pm today. Both MPowered and Fleet will launch new rates from tomorrow while Lendco has said it expects to return to the market “in the coming days”. In reality relatively few borrowers are on their lender’s SVR compared to fixed rates, as SVRs tend to be much higher than the average fixed rate deals in the market. Santander is increasing residential fixed rates on remortgage deals by up to 0.46 percentage points, and on purchase deals by up to 0.25percent.

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