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• Recent increases to fixed mortgage rates across the market mean that borrowing costs have soared for those on variable rates and those looking to remortgage or switch to a new deal.
• Virgin Money has increased rates across its fixed-rate remortgage range by up to 0.25 percentage points, as costs fall across the wider mortgage market, writes Jo Thornhill.
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• Halifax has announced a cut to a range of its first-time buyer fixed rates at higher loan to value ratios from 6 February.

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Lenders use swap rates to price their own fixed rate mortgage deals for customers. Selected product transfer fixed rates, for existing customers looking for a new deal, will also rise by up to 0.15 percentage points. It follows a rate rise by Virgin of 0.15 percentage points to a range of its fixed rate deals on Monday this week. TSB has increased the cost of selected purchase and remortgage fixed rates, shared ownership deals and fixed rates in its buy-to-let range by up to 1.05 percentage points. Its two-year fixed rates for new customers are going up by 0.15 percentage points and now start from 6.39percent (60percent LTV). HSBChas cut fixed rates on selected residential and buy-to-let mortgage deals by up to 0.3 percentage points, including first-time buyer deals up to 90percent LTV.

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