More mortgage product choice
6th March 2023
Across the mortgage market product choice is increasing. According to Moneyfacts there are more than 4,300 different deals available. This is the first time since August 2022 that product choice has risen above 4,000.
Competition between lenders in the mortgage market is good news for prospective buyers and home movers. The average interest rate charged on both two-year (5.44%) and five-year deals (5.2%) fell in February for the third month in succession.
The latest falls put the cost of both products back to October 2022. This is despite the fact that the Bank of England has since raised the base rate of interest by 1.75%.Product availability has risen across all deposit levels, with close to 150 deals available for those with a 5% deposit, and nearly 540 for those with a 10% deposit. For those requiring a loan-to-value of 60% or less, deals with rates below 5% are now available. Source: Dataloft, Moneyfacts, Zoopla
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