Mortgage Market Update – Week Ending 5 December 2025
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MORTGAGE RATES CONTINUE TO FALL – PRICE WAR HEATS UP
TIME TO LOCK IN A BETTER DEAL?
With offices in Fulham, Westminster & Pimlico, Chelsea & Belgravia, and Nine Elms & Vauxhall,
Garton Jones brings you this week’s key mortgage updates — direct from our trusted partners.
The Price War Continues: Nationwide, NatWest and others cutting fixed rates
First-Time Buyer Affordability Improving
Halifax Cuts for First-Time Buyers: 2-yr fixed from 4.36% (90% LTV, no fee)
This Week’s Highlights
The Price War Continues
Nationwide, NatWest and other major lenders have cut fixed rates again as competition intensifies.
First-Time Buyer Affordability Improving
Easing rates are making entry-level mortgages slightly more accessible.
Halifax Cuts for First-Time Buyers
• 2-yr fixed at 90% LTV (no fee) down 0.05% → 4.36%
• 2-yr fixed at 90–95% LTV (no fee) down 0.09% → 4.83%
• With £999 fee: 4.16% and 4.63% respectively
Rates are moving fast. Contact Garton Jones for a free mortgage review — we’ll find you the best deal.
Questions? Email marketing@gartonjones.com
