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Mortgage lenders hike rates again on fears of further BoE hikes

Published 06/06/2023, 15:51
© Reuters.  Mortgage lenders hike rates again on fears of further BoE hikes
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Proactive Investors - Lenders are hiking mortgage rates on a daily basis over fears of another hike in UK base rates in late June, according to the tracking website Moneyfacts Compare.

Rates on the average two-year fix sat at 5.75% and 5.44% for five-year fixes on Tuesday, according to Moneyfacts, up from 5.72% and 5.41% respectively at the weekend.

Average two, five and ten-year fixes have all risen since the Office for National Statistics reported a rise in core inflation and a less-than-anticipated fall in the consumer price index between March and April.

It means an additional £45 and £47 extra per month on a £200,000 25-year mortgage for those purchasing two and five-year fixes respectively, Moneyfacts calculated.

“Volatility is down to the concerns surrounding future interest rate hikes, and lenders are reassessing their propositions,” Moneyfacts finance expert Rachel Springall said.

Halifax hiked some fixed rate offerings by 0.3 percentage points on Monday, while Leeds Building Society interest rose on a selection of deals by as much as 0.4 points.

Santander (BME:SAN) and Furness Building Society cut fixed-rate offerings over the weekend with the Co-operative scrapping them altogether, according to Moneyfacts.

Collectively, over 200 mortgages were pulled from the market between Friday and Monday as lenders re-evaluated offerings, representing 4% of all deals on offer.

Despite subsiding between March and April, analysts had expected a lower reading than the 8.7% consumer price index rate recorded for the month.

Core inflation unexpectedly rose month on month to 6.8% in April meanwhile, leaving a further base interest rate increase by the Bank of England “firmly on the table,” Pantheon Macroeconomics analysts said at the time.

Read more on Proactive Investors UK

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