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While many mortgage lenders have been withdrawing higher loan-to-value (LTV) deals, the mortgage charts still remain highly competitive this week. The remortgage chart has remained particularly competitive this week, especially for those looking to remortgage with a low LTV.
Saying this, borrowers should keep in mind that the lowest rate available might not be the best deal for their personal circumstances. Instead, borrowers should consider factors such as product fees, flexible features and incentives, all of which can be found on our mortgage charts, when choosing the best mortgage deal.
| Provider | Rate | Initial rate period | Product fee |
| Halifax | 1.17% fixed | Two years | £995 |
| HSBC | 1.34% fixed | Three years | £999 |
| HSBC | 1.41% fixed | Five years | £1,499 |
The lowest moving home mortgage rate this week came from Halifax, offering 1.17% (3.3% APRC) fixed until 31 May 2022, which then reverts to 3.59% variable. This deal is available to those looking for a 60% LTV. It charges £995 in product fees. There are no incentives with this deal.
HSBC had the lowest three year fixed moving home rate this week, offering 1.34% (3.0% APRC) fixed until 30 June 2023, after which it reverts to 3.54% variable. This deal is available to those looking for a 60% LTV and who have a minimum earned income of £15,000. It charges £999 in product fees and comes with the incentive of free valuation.
HSBC also had the lowest five year fixed moving home deal this week, offering a rate of 1.41% (2.8% APRC) fixed until 30 June 2025, reverting to 3.54% variable thereafter. This deal is available to those looking for a 60% LTV and who have a minimum earned income of £75,000. It charges £1,499 in product fees and comes with the incentive of free valuation.
All the rates available can be found on our moving home chart.
| Provider | Rate | Initial rate period | Product fee |
| Leek United Building Society | 2.60% discounted variable | Two years | £0 |
| HSBC | 2.84% fixed | Two years | £0 |
| HSBC | 3.04% fixed | Three years | £0 |
| Barclays Mortgage | 2.75% | Five years | £0 |
The lowest rate in the first-time buyer chart this week came from Leek United Building Society, which offers 2.60% (5.2% APRC) discounted variable for two years, and then reverts to 5.69% variable. This deal is available to those looking for a 95% LTV and who earn a minimum income of £20,000. It does not charge any product fees and comes with the incentive of free valuation and £400 cashback on completion.
HSBC offered the lowest rate in the two year fixed first-time buyer chart this week, offering 2.84% (3.5% APRC) fixed until 30 June 2022, which then reverts to 3.54% variable. This deal is available to those looking for a 95% LTV and who earn a minimum income of £15,000. It does not charge any product fees and comes with the incentive of free valuation. HSBC also offered the lowest rate in the three year fixed first-time buyer chart this week, offering 3.04% (3.5% APRC) fixed until 30 June 2023, reverting to 3.54% variable thereafter. This deal has the same terms and conditions as the two year fixed mortgage.
The lowest rate in the five year fixed first-time buyer chart this week came from Barclays Mortgage, which offers 2.75% (2.7% APRC) fixed until 31 July 2025, after which it reverts to 2.59% variable. This deal is available to those looking for a 95% LTV. It does not charge any product fees and comes with the incentive of free valuation for properties valued to a maximum of £2m.
All the rates available can be found on our first-time buyer chart.
| Provider | Rate | Initial rate period | Product fee |
| NatWest Int Sols | 1.19% fixed | Two years | £995 |
| HSBC | 1.34% fixed | Three years | £999 |
| HSBC | 1.41% fixed | Five years | £1,499 |
The lowest rate in the remortgage charts this week came from NatWest Int Sols, which offers 1.19% (3.3% APRC) fixed until 30 June 2022, and then reverts to 3.59% variable. This deal is only available to intermediaries. It is available to those looking for a 60% LTV. It charges £995 in product fees and comes with the incentives of free valuation and no legal fees.
HSBC had the lowest rate in the three year fixed remortgage chart this week, offering 1.34% (3.1% APRC) fixed until 30 June 2023, reverting to 3.54% variable thereafter. This deal is available to those looking for a 60% LTV and who have a minimum earned income of £15,000. It charges £999 in product fees and comes with the incentives of free valuation and no legal fees.
HSBC also offered the lowest rate in the five year fixed remortgage chart this week, offering 1.41% (2.8% APRC) fixed until 30 June 2025, which then reverts to 3.54% variable. This deal is available to those looking for a 60% LTV and who earn a minimum income of £75,000. It charges £1,499 in product fees and comes with the incentives of free valuation and no legal fees.
All the rates available can be found on our remortgage chart.
Borrowers who are interested in any of these deals can speak to a mortgage broker for more information.
Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.
