Buy-to-let fixed rate deals reduced by between 0.04 and 0.2 percentage points. But despite the easing in fixed rate mortgage pricing offering some hope to borrowers, the wider outlook for the housing market remains subdued. Yorkshire building society has cut rates on fixed and tracker rate products by up to 0.41 percentage points.

• TSB’s two-year fix for remortgage customers has gone up from 5.24percent to 5.44percent (up to 75percent LTV).
• Its five-year fixed rates for product transfer are cut by up to 0.15 percentage points, while 10-year fixed rates are cut by up to 0.25 percentage points.
• The rules were introduced by the Bank of England in 2014 and revised in 2017.

Skipton building society has reduced the cost of a swathe of its mortgage products by up to 0.49 percentage points, writes Jo Thornhill. This includes the lender’s flagship Track Record mortgage – a zero-deposit deal for first-time buyers – which has been pegged down to 5.52percent from 5.65percent. The specialist buy-to-let lender Lendinvest has also announced it is removing its deals from the market today with a view to repricing its fixed rates higher from Monday due to market volatility. But HSBC has not reduced its five-year fixed remortgage deal for new customers, currently at 3.94percent with a 999 fee. Santander, NatWest and Virgin Money all have lower five-year remortgage deals at 3.89percent, 3.89percent and 3.84percent respectively . Rates for new Barclays customers will be cut by up to 0.5 percentage points, while existing customers will see fixed rate switcher products cut by up to 0.6 percentage points.

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For residential product transfer deals the rates are expected to be at least 0.25 percentage points higher, while BtL rates will rise by up to 0.66 percentage points. It will offer a two-year fixed rate at 5.36percent (60percent LTV) and a five-year rate at 4.89percent (60percent LTV), for example. The two-year and five-year fixed rates for remortgage with a 999 fee (60percent LTV) are at 5.41percent and 4.97percent respectively. Lenders are removing deals from the market at short notice and repricing fixed rates higher as swap rates – the interest rates at which banks lend to each other – have risen sharply in recent days. Lenders use swap rates to price their own fixed rate mortgage deals for customers. NatWest, one of the biggest lenders, is increasing the rates on product transfer deals – those rates on offer to existing customers coming to the end of a deal – by up to 0.75 percentage points.

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NatWest has cut its fixed rate deals for existing customers by up to 0.4 percentage points. It is offering a two-year product switch deal with no fee at 5.4percent (down from 5.8percent). NatWest customers need at least 40percent equity in their property to be eligible. Barclays Bank has lowered fixed rates for home purchase for borrowers with a small deposit, as well as cutting rates on deals for larger home loans.

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It is expected the rates will increase by a similar margin to those for existing customers. The deals for new business were withdrawn at the end of last week. Coventry building society is also withdrawing rates for new residential and buy-to-let customers along with product transfer deals for existing customers.