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• Bank of Ireland has increased fixed rates on its bespoke product switch deals, for existing customers looking for a new fixed rate.
• The bank says its five-year fixed rate will be priced at 3.99percent after a 0.25 percentage point cut (60percent LTV).
• A software provider or casino operator will list all licensing and testing information on their site, typically in the footer.
• The new higher rates and deals from across its range will be available from tomorrow.

With a penalty-free tracker borrowers can benefit if interest rates fall but if rates stay high or rise they are free to switch to a different deal at any time. Foundation is also cutting owner-occupier deals by up to 0.6 percentage points. Its deals, which aim to help those with less than perfect credit scores, start at 5.89percent for a two-year fix at 65percent LTV with a 995 fee. First-time buyer deals, meanwhile, have been cut by up to 0.2 percentage points.

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A product transfer is where an existing customer switches products within the Virgin range. Rightmove says mortgage rates will settle in the New Year but will remain elevated, and this is likely to have a dampening effect on buyers’ budgets. Over a five-year term Accord is offering a rate of 4.99percent (down from 5.19percent) at 75percent LTV for BTL remortgage. The deals are available through brokers or directly from the lender.

August: Positive Inflation News Justifies Lenders Cuts

Virgin is also offering new purchase exclusive deals with 500 cashback on completion. They include a two-year fixed rate at 5.23percent (86percent LTV) with a 1,295 fee and a five-year equivalent deal at 4.69percent. Among its new deals Spanish-owned Santander is offering a five-year fixed rate for home purchase at 4.39percent with a 999 fee.

December: Thousands Facing mortgage Shock

Nationwide building societyhas reduced fixed rates on selected product switcher deals and further advances by up to 0.31 percentage points. It is offering two-year fixed rates from 4.82percent (60percent LTV) with a 999 fee and five-year fixed rates at 5.3percent (95percent LTV) with a 999 fee. Barclays Bank is cutting fixed rates for residential property purchase from tomorrow , which will include a market-leading five-year deal at 4.39percent, writes Jo Thornhill. At the other end of the market, First Direct is offering a five-year fixed rate deal for new and existing customers with at least 40percent equity or deposit at 4.64percent with a 490 fee.

November: Halifax, Virgin, First Direct, Hsbc Cut Rates

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The five-year rate has inched up from 4.952percent to 5.022percent over the same time frame. Swap rates have spiked in recent months as markets expect the Bank of England Bank Rate will continue to climb, potentially reaching a peak of 6.5percent this year. 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. Its new rates are likely to be priced higher as the mutual responds to changing market conditions.

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