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  • It is offering a five-year fee-free remortgage deal at 5.89percent (65percent LTV) and a five-year fixed rate at 4.89percent with a 5percent fee (also 65percent LTV).
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Santander, plus a host of smaller lenders, have cut fixed mortgage rates for new and existing customers following a freeze to the Bank of England base rate last week, writes Jo Thornhill. Accord, the broker-only lender owned by Yorkshire building society, has increased the maximum loan-to-value ratio on its Cascade Score range. These are deals for new borrowers looking to purchase or remortgage at high loan to values (85percent or higher and not for new build property). The bank, the third largest mortgage lender, has also slashed rates on two and five-year fixed-rate remortgage deals by 0.17 percentage points and 0.24 percentage points respectively. Its five-year fixed remortgage rate at 60percent LTV will now start from 5.15percent with a 1,495 fee. First Direct has cut all two, three and five-year fixed rates for new and existing customers by up to 0.2 percentage points.

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