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Britian’s lending giants have entered into “rate war” which means that it has never been cheaper to take out a mortgage.

Many fixed-rate mortgages have fallen to their lowest-ever level, with some at less than 1%. The average two-year fix has dropped to a record low of 3.46%, down from 3.65% six months ago, according to the data firm Moneyfacts.

Aaron Strutt of the broker Trinity Financial, told The Times: “We used to tell our clients that any five-year fix below 5% offers great value for money. This shows how things have changed in a relatively short space of time.

“Provided you have access to a deposit of at least 25%, you can lock in to a two-year fix below 2% and a host of five-year fixes well below 3%.

“Swap rates — the cost of borrowing for banks — are incredibly cheap at the moment. This is helping the lenders to offer such great deals. Banks are also telling us that they are keen to lend and offer low rates because they have such huge levels of savings in their accounts.”

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