Fixed rate reductions continue as more sub-4% mortgage deals back on the market

by Aaron Strutt

Jul 04 2025

It has been a week of rate reductions with more lenders reintroducing sub-4% deals to the market.

Prominent lenders that reduced fixed rates include Barclays, by up to 0.18%, Halifax by upto 0.10%, HSBC by up to 0.17%, NatWest by up to 0.15%, Gen H by up to 0.15%, Santander by up to 0.16% and finally, Virgin Money reduced its ‘intermediary exclusive’ rates by up to 0.05%.

Among the building societies to reduce rates were the West Brom Building Society by up to 0.28%, Leeds Building Society by up to 0.12%, Nationwide Building Society by up to 0.20% and Principality Building Society by up to 0.51%.

Aaron Strutt, product direcotro at Trinity Financial, says: "Our brokers have access to two-year fixes from just over 3.80% and five-year fixes available from just over 3.90%.

"There is a lot of compeition in the mortage market at the moment which is good news if you are planing to get on the property ladder or remortgage." 

Call Trinity Financial on 020 7016 0790 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

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