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• Nationwide building societyhas reduced fixed rates on selected product switcher deals and further advances by up to 0.31 percentage points.
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Scottish Widows, part of Lloyds Banking Group, is cutting five-year fixed rates on product transfer deals and for borrowers wanting a further advance . Five-year fixed rate deals for existing customers looking for a product switch start from 5.69percent with a 749 fee. Halifaxhas cut selected fixed rate deals, including rates for residential purchase, first-time buyers, shared ownership, new build and large loans. Among the new deals, available through brokers from Friday is a five-year fixed rate for home buyers at 4.85percent (up to 75percent loan to value) with a 999 fee. It has also cut selected buy-to-let purchase and remortgage deals for new customers, available through brokers.

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One fifth (20percent) of UK homeowners say they are unsure how they will afford their next mortgage payment, according to a recent survey by our online mortgage broker partner, Trussle. Today sees the launch of a government-backed scheme designed to help buyers with small deposits onto the property ladder with homes tailored to their exact requirements. Mortgage deals of up to 95percent of the property value are available, while first-time buyers in England and Northern Ireland are exempt from paying stamp duty on the first 300,000. Government schemes such as Help to Buy are available to help bridge affordability shortfalls, but only on new-build homes.