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First Direct is slicing the cost of its fixed rate mortgage deals, with the biggest cut – 0.45 percentage points – applied on deals for borrowers with just a 5% deposit or equity (95% LTV), writes Jo Thornhill.
The online bank, which only offers mortgages direct and not through brokers, has reduced its two-year and three-year fixed rates at 95% LTV to 5.99%. This is down from 6.44% and there is no arrangement fee. The equivalent deal over five years is now priced at 5.64%.
Deals at 90% loan to value have been slashed by up to 0.3 percentage points and start from 5.09% for a five-year fix.
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 40% equity…
