It is offering a five-year fix at 5.39percent (75percent LTV) with a 4,995 fee. The Mortgage Works , Nationwide’s specialist lending arm, is cutting rates across its range by up to 0.5 percentage points. Its five-year buy-to-let fix is now 3.99percent with a 3percent fee (65percent LTV). Zephyr Home Loans, the specialist buy-to-let provider, is cutting its tracker product rates by up to 0.4 percentage points. It is offering a lifetime tracker deal at Bank of England Bank Rate plus 1.69percent, giving a starting pay rate of 5.94percent (65percent LTV). The same deal for landlords of houses of multiple occupancy is now at Bank Rate plus 1.89percent, giving a starting pay rate of 6.14percent.

• By taking these factors into account and following our recommendations, you can make well-informed decisions and maximize the benefits of No Deposit Mobile Bonuses.
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• Rates on residential product transfer deals, including two-, three- and five-year fixed remortgage deals will increase across the board for borrowers with at least 25percent equity in their home.

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