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• Nationwide building society is increasing selected fixed and tracker mortgage rates by up to 0.25 percentage points from tomorrow .

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First-time buyers are paying 200 more a month on their mortgage compared to a year ago to get on the property ladder, according to property website Rightmove, writes Jo Thornhill. Skipton will also calculate to ensure monthly mortgage payments are not greater than the average of their last six months’ rental costs. In addition to passing affordability and credit reference checks, would-be borrowers will need to show evidence of a minimum 12-month good track record rental history.

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It is offering a two-year fixed rate at 7.49percent at 90percent loan to value. Leeds building society has cut selected fixed rates for new customers by up to 0.37 percentage points, following fellow mutual lenders Coventry and Skipton, which both cut rates this week. Among Virgin’s new remortgage broker rates it is offering a two-year fixed rate at 4.64percent (60percent loan to value) with a 995 fee. The bank is also offering two and five-year fixed rates for purchase or remortgage at 75percent loan to value starting from 4.37percent with a 1,995 fee. But the lender has increased the rates on some of its most competitive residential home loan deals, including its five-year fixed rates, which had previously been below 4percent. Its five-year deals now start from 4.09percent for home purchase, or from 4.19percent for remortgage.

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