Banks and building societies still offering sub-1.25% fixed rate mortgages

Aaron Strutt Image

Mortgage lenders are still providing great rates for many borrowers purchasing a property or remortgaging.

A selection of lenders offer sub-1.25% two-year fixes for property purchase and remortgages, while at least seven lenders have sub-1.5% five-year fixes.  

HSBC for Intermediaries has many of the most competitively priced mortgages across the market and a range of fixed and tracker rates. The bank’s lowest rate is as low as 1.19% and it is fixed until 30 September 2022. The mortgage has a £999 arrangement fee and applicants will need a 40% deposit to qualify. After the fixed-rate, the mortgage reverts to the lender’s 3.54% standard variable rate and the APRC is 3.2%. 

Aaron Strutt, product director at Trinity Financial, says: "We are getting lots of enquries from people looking to purchase new homes or investment properties, and also many homeowners planning to remortgage.

"The lenders still have a strong appetite to provide mortgages even with many of their staff working from home and we are being told that rates could get even cheaper over the coming months."

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