Halifax and Nationwide raise mortgage rates – and more lenders set to follow – Mortgage Solutions

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Halifax Standard Variable Rate – for mortgages applied for before 4th January 2011. Unless we write to tell them that we are prepared to allow the mortgage to remain a tracker rate mortgage. All variable rates are stated at their current levels and are subject to change.

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At least 10 lenders have raised mortgage rates in the past week – including giants Nationwide and Halifax – as expectations grow of an increase in the leading Bank Rate set by the Bank of England.

Halifax Mortgage Rates. Mortgage Market Overview: With a large number of lenders vying for Halifax’s modest volume of mortgage business, well-qualified borrowers can expect competitive rates and the upper hand in rate negotiations. While there are numerous lenders in the Halifax area, including alternative and private mortgage companies, major banks (especially Scotiabank) and top mortgage.

If you’re an existing Nationwide mortgage member then it’s 5,000, unless you’re switching your deal, then you need to have 1,000 left on your balance. If you’re new to Nationwide, then the minimum borrowing amount is 25,000. Minimum interest rate for tracker mortgages

 · What you need to know about mortgages if interest rates rise. rates could quit their lender and seek out a fixed-rate mortgage with a lower rate than the conversion rate.

This guide lays out how mortgage lenders judge applicants with debt, and what you can do to help ensure your mortgage application is a success. How do mortgage lenders view debt? A common belief among home buyers is that any kind of debt will ruin your chances of being approved for a home loan.

The Halifax is one of the lenders backing the government’s Help-to-Buy mortgage scheme. This scheme offers a government-backed 95% LTV mortgage to anyone, including contractors. The mortgage rates might not be the most competitive. But if your credit rating’s great and you can only raise 5% deposit, it’s an option.

 · Buy-to-let mortgage lending criteria have got tougher in 2016, so if you’re looking for a landlord mortgage, what requirements will you now have to meet?. Since the beginning of the year, banks including TSB, Santander and Nationwide have revised their buy-to-let lending criteria, making it a little more difficult for landlords to get mortgage approval.