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Both remortgage deals are fee-free and available up to 75percent LTV. Atom also has a two-year fix at 6.19percent and a five-year rate at 5.59percent, both have a 900 fee (75percent LTV). HSBC has increased its maximum mortgage loan term from 35 years to 40 years. The change, effective from tomorrow will apply to all home loans including purchase, remortgage and additional borrowing.
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Coventry will keep its mutual status, which means it is owned by its ‘member’ customers. Bank of England mortgage lending statistics for the first quarter of 2024, published today , show potentially growing confidence in the housing market. The value of new mortgage commitments increased by 30.8percent from the previous quarter to 60.1 billion. The majority of mortgage holders benefited from the scheme in locking into a new mortgage deal up to six months in advance of their remortgage date . NatWest has agreed to acquire the retail banking arm of Sainsbury’s (Sainsbury’s Bank). Sainsbury’s will pay NatWest 125 million for taking it off its hands.
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However, the latest rise – the 14th in succession by the Bank – is expected by some commentators to represent the peak of the current rate-rise cycle. The moves follow the Bank of England’s quarter percentage point increase to the Bank Rate, from 5percent to 5.25percent, on 3 August. The market is now predicting borrowing costs have reached or are close to their peak for this cycle. Swap rates have fallen in expectation that the Bank of England is at or is close to the end of its current trajectory of increasing the Bank Rate, which stands at 5.25percent. Two-year swaps are at 5.484percent today, down from 5.668percent yesterday.
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