No one can accurately predict where rates will be in the future and there are still many factors that can change in a short period of time. It could also spell better news for borrowers looking to remortgage to a new fixed-rate deal. This is good news for borrowers on variable and tracker mortgage rates who were bracing for higher monthly repayments. Mr Amidi suggests a tracker deal with no early repayment charges could be a good option as it provides flexibility.

• Two-year fixed rates are increasing by up to 0.42 percentage points and will start at 5.47percent and five-year fixed rates are rising by 0.38 percentage points and will start from 4.96percent.
• Available from tomorrow , these include a two-year fixed rate for purchase or remortgage at 4.97percent with a 1,495 fee (60percent LTV) or an equivalent five-year fixed rate deal at 4.69percent.
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• HSBC is cutting selected residential and buy-to-let fixed rates from tomorrow , which are likely to take some deals into the best-buy spots.
• Clydesdale Bank has also given notice to brokers that it will increase selected residential fixed rates by up to 0.2 percentage points from 13 February.

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April: Market Responds To Inflation Rate News

Even before today’s hike, average SVR costs stood at 5.4percent according to Moneycomms.co.uk. Financial turmoil follows the raft of tax cuts announced by the Government in its mini-Budget on Friday, which triggered market uncertainty around the UK’s level of borrowing. Making changes to your mortgage may also affect your credit file, with prospective lenders in the future being able to see that you took action because of fears of meeting your repayments. However, while mortgage approvals fell in November, individual mortgage debt increased to 4.4 billion from 3.6 billion in October, according to the Bank of England. The number of mortgages approved for house purchases fell to 46,100 in November from 57,900 in October. Product choice is also showing signs of improvement, following a significant drop in available deals at the end of last year.

September: Market Continues To Respond To Bank Rate Hold

TML’s five-year fixed buy-to-let rate at 75percent LTV is cut by 0.2 percentage points to 4.64percent. Rates on mortgages for houses in multiple occupation , for professional landlords, have also seen a cut of up to 0.25 percentage points. The majority of First Direct’s rate cuts are for high loan to value deals, helping borrowers with a smaller cash deposit or less equity in their property. All First Direct mortgages are either fee-free or come with a maximum fee of 490. First Direct is cutting its fixed rate mortgages by up to 0.3 percentage points, following a rush of lenders who have trimmed their fixed rates down in recent days , writes Jo Thornhill. Foundation Home Loans, the specialist broker-only lender, is cutting fixed rates on buy-to-let loans by up to 0.75 percentage points.

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These borrowers join the likes of Nationwide and Virgin Money who announced changes to their mortgage products last week . Lenders are significantly increasing the cost of mortgage borrowing, as was widely expected following last month’s inflation news, to the dismay of beleaguered borrowers, writes Jo Thornhill. It follows the action of HSBC yesterday which saw the lending giant pull all mortgage deals for new business with immediate effect. The rate increase also means the maximum loan a first-time buyer can borrow through the deal will reduce. The HSBC move will affect new customers and existing ones looking for a new product when their existing one comes to an end, or otherwise seeking a remortgage.

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Coventry for Intermediaries, the broker arm of Coventry building society, is cutting selected residential rates by up to 23 percentage points. It has also launched 50percent LTV products for new and existing customers. Fixed rate residential purchase, switcher products and remortgage deals will all be increased at the same time, with the details yet to be announced. Brokers say they are hopeful HSBC’s five-year fix at 3.99percent (60percent LTV) will be retained. The Mortgage Lender, part of Shawbrook Bank, has cut rates across its two- and five-year fixed rate buy-to-let loans by up to 0.4 percentage points. The broker-only lender’s Fee Saver Remortgage product is cut by the full 0.4 percentage points to 5.79percent.

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The bank’s residential SVR is 6.99percent and there are no plans to increase it. The mortgage market continues to be highly volatile with lenders pulling deals at short notice and new products being priced much higher, writes Jo Thornhill. ‘Now we have a mortgage market where most people are on a fixed rate.