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• Homeowners keen to avoid paying SVR and pay less for their mortgage can look for a new home loan deal well in advance of their existing fixed or tracker deal coming to an end.
• It comes as lenders and borrowers brace for the Bank of England rate decision on Thursday, writes Jo Thornhill.
• Two- and three-year fixed rates for first-time buyers and home movers with up to a 20percent cash deposit have been cut by up to 0.15 percentage points.
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The average two-year fixed-rate residential mortgage rate is now 0.02 percentage points lower than yesterday , down from 6.81percent to 6.79percent today. The average five-year rate residential mortgage rate is also 0.02 percentage points lower at 6.31percent. The two-year deal costs 999, but comes with a 350 cashback or remortgage transfer service .