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Home News First-time buyers

TSB offers cheaper rates to first-time buyers, home movers

by Vanya Damyanova
September 21, 2015
House price growth in June lowest in two years
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TSB has reduced the rates on a range of high loan-to-value (LTV) fixed mortgages and introduced a £250 cash back for customers with smaller deposits.

property prices, houses, coins, calculator, moneyThe lender has also launched two new mortgage deals at 90-95 per cent LTV for first-time buyers and home movers.

The new two-year fixed mortgage at 90-95 per cent LTV offers a rate of 3.98 per cent, whereas the five-year fixed comes in at 4.69 per cent. Customers can also benefit from £250 cash back when choosing these products.

Those that have a lower LTV ratio on their home (less than 85 per cent) will see rates increase on two-year fixed rate, two-year tracker and five-year fixed rate mortgages by up to 0.10 per cent.  The increase is in line with recent moves across the market, TSB said.

The changes include:

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Mortgage LTV (%) Fee Previous Rate (%) New Rate (%) % change
Two-Year

Fixed

85-90% £995 3.14 3.09 (0.05)
85-90% £0 3.54 3.49 (0.05)
90-95% £995 n/a 3.98  
90-95% £0 4.39 4.29 (0.10)

 

Homemover – mortgage
Mortgage LTV (%) Fee Previous Rate (%) New Rate (%) % change
Five-Year

Fixed

85-90% £995 3.79 3.69 (0.10)
85-90% £0 3.98 3.89 (0.09)
90-95% £995 n/a 4.69
  90-95% £0 4.89 4.89 No change

Tags: first-time buyersfixed rate mortgagessmall deposits
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