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Keystone, the specialist buy-to-let lender, has increased its fixed rates. The lender’s Classic range rates now start from 5.64percent and rates in the complex ranges start at 6.74percent. It has added a 5.5percent arrangement fee on its five-year fixed rate classic range and has relaunched its expat and holiday let mortgage deals. Borrowers can choose to fix at any time with no penalty by switching to one of Virgin’s fixed rate deals. Among product transfer deals – for existing Virgin customers looking for a new deal – its fixed rates will rise by up to 0.4 percentage points with new deals starting from 5.18percent. Buy-to-let product transfer deals are also going up by the same amount with new deals starting at 5.53percent.

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Among the highlights is a five-year fixed rate for remortgage at 4.85percent (65percent LTV) with a 999 fee. The market-leading deal for home purchase is available to borrowers with at least 40percent equity or cash deposit towards their purchase and there is a 999 fee. Equivalent two-year fixed rates for purchase will now start from 4.79percent. NatWest is also offering two-year fixed rates for residential remortgage from 4.87percent and five-year equivalent fixed rates from 4.73percent. The online bank, which only offers mortgages direct and not through brokers, has reduced its two-year and three-year fixed rates at 95percent LTV to 5.99percent.

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