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• Its broker-exclusive deals see some of the biggest cuts with a two-year fixed remortgage deal now priced at 4.6percent (65percent LTV).
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It adds that the number of fixed-rate mortgage deals due to expire during the course of 2023 will then peak at around 371,000 between April and June 2023. New mortgage deals have the shortest shelf life ever at just 15 days on average before being withdrawn, according to analysts Moneyfacts. This is the joint lowest amount of time on record, level with October 2022, writes Jo Thornhill. TMW follows a slew of lenders who have trimmed their fixed rate mortgages down in recent weeks as competition for new business has increased. Fixed rates for landlords with large portfolios see the biggest (0.5 percentage points) cuts. The fee-free two-year fixed rate (75percent LTV) falls from 6.09percent to 5.59percent.

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The average five-year fixed mortgage rate is at 6.17percent, up from 6.13percent yesterday, according to Moneyfacts. The news comes as Bank of England figures out today show one million residential mortgage holders will be paying 200 a month or more extra for their home loan by the end of the year. Further evidence has emerged that increased mortgage costs are causing financial distress for growing numbers of borrowers. Legal and General’s mortgage platform Ignite, used by brokers, reported a 53percent increase in searches for interest-only mortgages in June, compared to the previous month. Yorkshire Building Society today introduced a 2,000 ‘cashback’ mortgage designed to help first-time buyers onto the property ladder. Rates on exclusive five-year deals are also down by up to 0.15 percentage points.

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