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These include free spins for specific slot games and cash prizes, with details provided in the Specific DFG Rules. Looking at five-year fixed rate 95percent mortgages, Barclays offers the same rate as First Direct’s 2.94percent, while HSBC’s offering is slightly higher at 2.99percent. First direct also offers two-year and https://happy-gambler.com/goldilocks/rtp/ five-year fixed rate mortgages. First Direct joins a number of other lenders to offer 10-year fixed rate mortgages including Halifax, TSB and Lloyds, as demand grows for long-term financial certainty. Borrowers are permitted to make an unlimited number of overpayments during the fixed-rate term with no penalty. Usually, lenders limit overpayments on fixed rate deals to 10percent of the outstanding loan each year.

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• However, it is cutting selected residential product transfer deals for existing customers by up to 0.15 percentage points, effective tomorrow .
• The lender is offering a two-year fixed rate for purchase at 6.92percent (previously 7.72percent) with a 995 fee (with 250 cashback on completion).

The rate comes close to the current market leading deal, available from Virgin Money at 4.85percent with a 995 fee, although borrowers with Virgin need at least 40percent equity to bag this rate. Lenders across the market are continuing to cut mortgage rates following the freeze to the Bank of England Bank Rate earlier this month at 5.25percent. It has given providers confidence that the current interest rate cycle has peaked and that rates could fall next year.

May: More Lenders Expected To Follow Suit

It is offering a two-year tracker deal for remortgage (60percent LTV) at 0.74 percentage points above the Bank of England Bank Rate. Other lenders are offering sub-5percent rates, but they are primarily for home purchase or have higher fees attached. Virgin Money has cut a range of its BTL deals by up to 0.26 percentage points. Among its deals, available through brokers, is a five-year fixed rate for BTL remortgage or purchase at 4.72percent with a 3percent fee (60percent LTV). Barclays is cutting selected fixed mortgage rates by up to 0.2 percentage points for new customers across its residential and BTL ranges, effective tomorrow .

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Bank of Irelandis cutting fixed rates for new customers across its range from tomorrow . It is offering a two-year fix for remortgage at 85percent LTV at 6.15percent (down from 6.30percent) with a 995 fee. It has a five-year fix, also for remortgage, at 75percent LTV at 5.55percent (down from 5.62percent) with a 995 fee. It’s the second time Nationwide has cut selected fixed rate costs in as many weeks in response to the continued easing back of swap rate prices.

This includes an increase to the mutual lender’s 5,000 deposit mortgage for first-time buyers – a fee-free, five-year fixed rate deal launched last month – from 5.99percent to 6.39percent. The lender, which offers deals only through brokers, has a five-year fixed rate for home purchase at 4.37percent (down from 4.59percent) with a 999 fee. This is for borrowers with at least a 40percent cash deposit to put towards their purchase (60percent loan-to-value). Vida Homeloans, the specialist buy-to-let lender, has bucked the trend and cut selected rates across its residential and BTL deals by up to 0.35 percentage points. The lender’s deals, available through brokers, start from 4.94percent with a 6percent fee (75percent loan to value) on its standard five-year fixed rate buy-to-let product. The bank’s five-year fixed rates for remortgage now start from 4.26percent.

January 17: Trend Reflects Optimism On Bank Rate Increases

This 2 Desert Nights bonus was rated as recommended by our team, because it gives you the opportunity to try the Wrath of Medusa slot for free. Even though this no deposit bonus has a slightly higher wagering of 40x than the standard, it has a maximum cashout amount of 50, which is good for a no deposit bonus. Keep in mind that this bonus will be available as 20 free spins on the Wrath of Medusa slot.

Barclays is cutting rates for new and existing customers by up to 0.45 percentage points. It is offering a five-year fixed rate for home buyers at 4.34percent (down from 4.47percent) with an 899 fee. This is for borrowers with at least 40percent deposit to put towards the purchase.