The latest changes extend beyond a single mortgage product. First-time buyers<\/strong> borrowing at 95% loan-to-value will see the rate on Barclays’ two-year fixed deal reduced from 5.50% to 5.11%. The lender has also lowered its Green Home two-year fixed mortgage at 90% loan-to-value from 5.35% to 4.69%.<\/p>\n\n\n\n The move follows similar action by Nationwide, which reduced rates by up to 0.19 percentage points across selected two, three, five and ten-year fixed-rate mortgages<\/a><\/strong>. Tracker mortgage rates were also lowered by as much as 0.12 percentage points.<\/p>\n\n\n\n According to the reports, the latest reductions come as lenders continue adjusting mortgage pricing, with several institutions introducing revised products within days of one another. The changes <\/strong>affect a range of residential lending categories, including shared ownership and buy-to-let products at other lenders mentioned by brokers.<\/p>\n\n\n\n While advisers welcomed the lower rates, many also warned that borrowers should not assume further reductions will follow. Justin Moy<\/a> of EHF Mortgages said overseas developments would “inevitably push mortgage rates up yet again, along with other costs such as fuel<\/em>“, urging borrowers to act quickly because rates “can be here today and gone tomorrow”.<\/p>\n\n\n\n Emma Jones<\/a> of Whenthebanksaysno.co.uk said rising oil prices could cause lenders to “pause for thought”. Rohit Kohli <\/a>of The Mortgage Stop said the Barclays pricing had been set before the latest geopolitical developments and warned that borrowers waiting for further reductions were “taking a gamble”.<\/p>\n\n\n\n Darryl Dhoffer<\/a> of The Mortgage Geezer described those delaying mortgage decisions as “playing a very dangerous game of chicken with global politics<\/em>“. He said the availability of sub-4.5% mortgage products should be viewed as “a tactical clearance sale” rather than evidence of a lasting change in the market.<\/p>\n\n\n\n Other brokers offered similar advice. According to the reports, David Stirling<\/a> of Mint Wealth said lenders were “moving fast” after falling swap rates, although he warned that current stability could disappear if inflation increased again. Tracey Dixon<\/a> of Pure Mortgage and Protection noted that many lenders allow borrowers to reserve a mortgage rate several months before completion<\/strong> while retaining the option to switch to a cheaper deal if rates fall further. She advised borrowers with mortgage deals ending within the next six months to secure a rate now and review it later if lower pricing becomes available.<\/p>\n","protected":false},"excerpt":{"rendered":" Barclays has reduced interest rates across a range of residential mortgage products, with its largest cut lowering a two-year fixed-rate deal by 0.66 percentage points. The changes could save some borrowers around \u00a31,100 over the course of a two-year mortgage term.<\/p>\n","protected":false},"author":10,"featured_media":122888,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-122885","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-housing","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"_links":{"self":[{"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/posts\/122885","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/comments?post=122885"}],"version-history":[{"count":2,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/posts\/122885\/revisions"}],"predecessor-version":[{"id":122889,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/posts\/122885\/revisions\/122889"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/media\/122888"}],"wp:attachment":[{"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/media?parent=122885"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/categories?post=122885"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/tags?post=122885"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"https:\/\/en.econostrum.info\/uk\/wp-content\/uploads\/sites\/6\/2026\/07\/Mortgage-lenders-cut-rates-amid-shifting-home-loan-market-1200x727.jpg\")
Advisers Urge Borrowers to Secure Deals Amid Market Uncertainty<\/strong><\/h2>\n\n\n\n