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With the fix and switch product, Virgin customers can switch to a different deal with the bank after two years without penalty if they wish. BM Solutions, the specialist lender which is also part of the Halifax Bank of Scotland group, has also reduced selected fixed rates across its product transfer and further advance ranges. TSBis increasing selected fixed rates for home purchase and remortgage by up to 0.35 percentage points, effective tomorrow .

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Borrowers need at least 35percent deposit or equity to be eligible. The chunkiest cuts will be on two and five-year fixed rates for residential remortgage. Its five-year fix for remortgage starts from 4.89percent with a 1,495 fee (60percent LTV). Gen H has cut fixed rates across its range by up to 0.5 percentage points. It is offering a two-year fixed rate at 4.99percent, three-year rates from 4.84percent and five-year rates from 4.87percent (all 60percent LTV) with a 999 fee. To get the lowest rates borrowers must use Gen H’s legal service for conveyancing.

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Foundation is also cutting owner-occupier deals by up to 0.6 percentage points. Its deals, which aim to help those with less than perfect credit scores, start at 5.89percent for a two-year fix at 65percent LTV with a 995 fee. Aldermore, the broker-only lender, is cutting rates for residential and buy-to-let borrowers by up to 0.35 percentage points and 0.1 percentage points respectively.

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