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  • The point is to read these terms carefully and see which offer is the most favourable.
  • Virgin’s shareholders voted on Wednesday this week to accept the deal, with 89percent voting in favour.
  • Consider how user-friendly a bank’s mobile app and online platform are, as well as the number and availability of physical branches for in-person banking.
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  • The Help to Build equity loan is not exclusively for first-time buyers, but you must live in the newly-built home as your only property to be eligible.

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May: Virgin, Hsbc, Natwest Up Rates For New and Existing Borrowers

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Today sees the launch of a government-backed scheme designed to help buyers with small deposits onto the property ladder with homes tailored to their exact requirements. Mortgage deals of up to 95percent of the property value are available, while first-time buyers in England and Northern Ireland are exempt from paying stamp duty on the first 300,000. Government schemes such as Help to Buy are available to help bridge affordability shortfalls, but only on new-build homes. Read more on How To Ride Out The Mortgage Storm and work out potential monthly repayments against varying interest rates with our Mortgage Calulator.

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Santanderhas also slashed the cost of fixed rate mortgage deals for new customers. Rates fell by up to 0.29 percentage points on selected residential purchase and remortgage fixed rate deals on 14 August. Atom Bank, the digital app-based lender, has cut fixed rates by up to 0.25 percentage points. At the same time the bank has increased its maximum mortgage loan up to 1 million, for borrowers with at least a 15percent deposit or equity. Accord, the specialist lending arm of Yorkshire building society, has also announced rate cuts of up to 0.2 percentage points on some of its high loan to value deals from tomorrow . It comes after the mutual lender had increased the cost of a range of its BTL mortgage deals just last week.