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The bank’s residential fixed-rate deals have risen by up to 0.26 percentage points and buy-to-let deals by up to 0.22 percentage points. The lender is now offering a two-year fixed rate for residential purchase or remortgage at 4.88percent with a 999 fee (60percent LTV) and a five-year equivalent deal at 4.47percent (also 60percent LTV). MPowered’s two-year fixed rates have also been trimmed down with deals for purchase starting at 4.84percent with a 999 fee (60percent LTV). The fee-free two-year fixed rate for remortgage is now available from 5.15percent (60percent LTV).
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It is offering a two-year fixed rate at 7.04percent (90percent LTV) with a 499 fee. The bank, along with a clutch of other lenders, has repriced its fixed rate offers in recent days to reflect changing market conditions. This latest hike is the second time HSBC has increased its rates in less than a week. The rates on deals for existing Virgin Money customers looking for a product transfer are also going up.
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The mutual is now offering a five-year fixed rate for remortgage (75percent LTV) at 4.28percent with a 999 fee. The bank is offering two-year fixed rates for remortgage from 4.84percent, three-year fixed rates from 4.44percent and five-year rates from 4.49percent. All deals come with a 995 fee and are available for homeowners with at least 40percent equity in their property.