Halifax Intermediaries will offer sub-5% five-year home loans, with rates starting at 4.53% from tomorrow (15 November). 

The lender’s broker-only arm says its homebuyer deals include first-time buyer, new build, large loans and affordable housing – shared equity/shared ownership and equivalent green products,  

It has reduced its deals by up to 46 basis points, which also covers offers on two-year products. 

Five-year highlights include: 

• Five-year loans up to 60% loan to value at 4.53%, with a £999 fee, down 20bps 
• Five-year loans up to 75% LTV at 4.63%, with a £999 fee, down 19bps 
• Five-year loans up to 75% LTV at 4.64%, with no fee, down 20bps 

Two-year highlights include: 

• Two-year loans up to 60% LTV at 4.97%, with a £999 fee, down 17bps 
• Two-year loans between 90% LTV and 95% LTV at 5.85%, with a £999 fee, down 46bps 
• Two-year loans up to 60% LTV at 5.23%, with no fee, down 17bps 

Last week, Nationwide Building Society became one of the first major lenders to offer sub-5% five-year fixed-rate products, with rates starting at 4.64%.