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• It indicates the amount you can withdraw from the total winnings accumulated using the no deposit sign-up bonus.
• The three and 10-year fixed rates for remortgage at HSBC have been cut by up to 0.45 percentage points.
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• That said, many homeowners look to remortgage to another rate once their initial fixed rate period ends.
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Previously it had been hoped a rate cut could come at the next meeting on 20 June. However, the data also shows the amount of mortgage arrears is growing, as higher rates continue to bite. But it now appears rates could be higher for longer, with the market suggesting the rate cut might come at the next MPC meeting in August. The new rates and deals will be unveiled and available from tomorrow . But Santander has been consistently among the best buys in recent months, and brokers are hopeful its reduced rates will be a boost for home buyers.

Many of its trackers also face reductions of 0.25 percentage points. Average two- and five-year fixed rates have fallen since the start of August and are at 6.70percent and 6.19percent respectively. Among Halifax’s new deals is a two-year fixed rate for purchase at 5.64percent (60percent LTV) with a 999 fee and a five-year fixed rate equivalent at 5.15percent. Generation Home has announced it is cutting fixed residential rates for new business from tomorrow – it is the lender’s third rate cut in as many weeks. Rates up to 90percent loan to value are set to be cut by up to 0.2 percentage points. The move comes hot on the heels of the launch of a five-year fixed rate deal for remortgage by HSBC subsidiary First Direct at 4.92percent.

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Virgin’s five-year fix for remortgage through brokers, with a 1,495 fee, is now at 5.44percent (65percent LTV). First Direct has cut its two, five and 10-year fixed rate deals by up to 0.2 percentage points. The bank is offering a 10-year fix for remortgage customers starting at 5.19percent (75percent LTV) with a 490 booking fee. Its lowest two-year fixed rate for remortgage (at 60percent LTV) is now at 5.99percent with a 490 fee.

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