Mortgage rates have dropped in recent weeks, and experts say this will continue
‘The significant aspect of HSBC’s offer is the combination of a low rate and a manageable fee, making this deal highly attractive’ on the market at a rate of 3.95 per cent, ducking below deals offered by Nationwide and NatWest in recent days.Brokers said the offer “set a new benchmark” in the market, and that they expected other major banks to try and compete.
He said: “Next, we anticipate similar moves from Santander, Halifax, and Barclays. August has started with strong competitive momentum.”HSBC is offering a fee-free option at a rate of 4.15 per cent, which may be cheaper for those borrowing smaller amounts. For those with a 25 per cent deposit, the cheapest rate on the market is 4.14 per cent from Lloyds Bank, with a £999 fee.
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