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• It will also introduce new base rate tracker deals for purchase or remortgage at 0.52 percentage points above the Bank of England Bank Rate (currently 5.25percent).
• The lender is likely to be responding to the recent increase in wholesale swap rates – the interest rates at which the banks lend to each other, which determines how lenders price their fixed rate mortgages.
• Virgin Money is increasing its fixed rate mortgage deals by up to 0.12 percentage points.
• Skipton building society has renamed its joint borrower sole proprietor mortgage offers as ‘income booster’ deals in a bid to simplify mortgage jargon for first-time buyers.
• It follows increases to the bank’s fixed rates for home purchase, which were announced on Monday this week.

He added that lender attitudes have also changed with more now accepting terms beyond traditional retirement age – but where the mortgage must end by the age of 75. Brokers say it is not surprising that more borrowers are extending the term of their mortgage in a bid to tackle rising living costs – but it means people are saddled with their debt for much longer. Net approvals are considered an indicator of future borrowing and market activity. To date, the lender has received around 40 million in Track Record mortgage applications.

The recent rise in swap rates is one of the reasons behind Virgin Money’s increase to fixed remortgage rates yesterday . But despite the move – which bucks the trend of the past month, which has seen fixed mortgage rates fall across the market – brokers are confident that intense competition will keep mortgage prices low. Virgin’s two-year fixed rate for residential purchase customers at 75percent LTV is 4.78percent – 0.15 percentage points higher than the old product.

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Product transfer two- and five-year fixed rates are increased by 0.4 percentage points. The bank is increasing two and five-year fixed rates for purchase by up to 0.4 percentage points and the same fixed rates for remortgage by up to 0.25 percentage points. Product transfer rates, for existing customers looking to switch deals, will also rise by up to 0.25 percentage points. Accord Mortgages, part of Yorkshire building society, is increasing selected fixed rate deals by up to 0.56 percentage points from tomorrow . Accord will also launch a five-year fixed rate offset mortgage with rates starting from 5.75percent (60percent LTV) and with a 1,495 fee. Nationwide building society has cut the cost of its fixed rate mortgage deals for new customers by up to 0.55 percentage points, following a number of lenders who also shaved rates last week, writes Jo Thornhill.

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But the downside is a charge of 5percent of the existing loan amount, which can be added to the mortgage debt. Halifax will also offer two-year fixed rates for home purchase from 5.24percent with a 999 fee (also 60percent LTV). Its five-year fixed rates for new build properties are cut and start from 4.93percent with a 999 fee (60percent LTV), or two-year rates start from 5.44percent. Halifax’s five-year fixed rate for home purchase at 4.73percent has a 999 fee and is available to borrowers with a 40percent deposit (60percent loan to value).

Fleet Mortgages has tweaked rates down across its standard BTL range, as well as deals for limited companies and houses for multiple occupancy by up to 0.15 percentage points. Its standard BTL two-year fixed rate for individual landlords at 75percent loan to value is now 4.89percent with a 3percent fee, and a five-year fix at 70percent LTV is at 4.59percent with a 5percent fee. Co-op still offers some sub-4percent deals but only to borrowers with a mortgage loan size of 750,000 or more. The new five-year fixed rate for smaller mortgages starts from 4.02percent with a 999 fee (this rate is available up to 90percent LTV) and there is a fee-free deal at 4.28percent. NatWest has also slashed its residential and buy-to-let fixed rates for new and existing customers, taking its best deals below 4percent in line with its competitors.

But selected fixed rates at 85percent LTV will increase by 0.05 percentage points. Product transfer fixed rates – deals available for existing customers looking to switch – have been cut by up to 0.41 percentage points. Residential deals for purchase and remortgage for new customers are cut by up to 0.10 percentage points and BtL fixed rates are cut by up to 0.15 percentage points. The two-year fix for BtL borrowers at 60percent LTV is 4.82percent with a 995 fee. The Mortgage Works, part of Nationwide building society, is cutting selected fixed buy-to-let mortgage rates by up to 0.5 percentage points.

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Skipton is also reintroducing remortgage deals up to 90percent loan to value. Virgin Moneyis increasing the cost of selected fixed rates by up to 0.2 percentage points from tomorrow. Among the deals seeing rate hikes are residential purchase and remortgage rates and the Fix and Switch range. These are five-year fixed rates for purchase or remortgage that have an option to switch to a different deal , penalty-free, after two years. TSB’s rate cut is applied on two, three and five-year fixed rates for purchase and remortgage, on deals up to 75percent loan to value.

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