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• Lenders are pushing up the cost of fixed-rate mortgages as financial markets become jittery in the run-up to the Bank of England interest rate decision on 11 May, writes Jo Thornhill.
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It follows cuts of up to 0.72 percentage points earlier this month. It has a two-year fixed rate at 5.08percent for remortgage customers at 60percent LTV. Virgin Money has cut rates on purchase, remortgage and buy to let loans by up to 0.2 percentage points. It is offering a five-year fixed rate for purchase customers at 4.17percent at 65percent LTV.

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Foundation Home Loans has also cut rates for owner-occupier mortgages by up to 0.1 percentage points. HSBC has cut its fixed rate buy-to-let and international BtL mortgages by up to 0.3 percentage points. It is offering a BtL five-year fix at 4.64percent (75percent LTV) with a 1,999 fee. Two-year fixed rate BtL deals start from 4.69percent (60percent LTV) and 4.84percent at 75percent LTV – both with a 1,999 fee. 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.