Mortgage lenders: Rate changes

Charcol provided the following information on lenders who have announced rate changes since 10 July, 2003.

Abbey National
New rate: 5.54%
Total reduction: 0.25%

Alliance & Leicester
New rate: 5.54%
Total reduction: 0.25%

Barclays / Woolwich
New rate: 5.54%
Total reduction: 0.25%

Bristol & West
New rate: 5.54%
Total reduction: 0.25%

Britannia
New rate: 5.50%
Total reduction: 0.25%

Cheltenham & Gloucester
New rate: 5.50%
Total reduction: 0.25%

Darlington BS
New rate: 5.49%
Total reduction: 0.25%

Dunfermline BS
New rate: 5.49%
Total reduction: 0.15%

Egg
New rate: 4.44%
Total reduction: 0.15%

First Direct
SVR new rate: tba

Offset new rate: 4.50%
Total reduction: 0.10%

First Trust Bank (NI)
New rate: 5.54%
Total reduction: 0.20%

GMAC
New rate: 5.49%
Total reduction: 0.16%

Halifax
New rate: 5.50%
Total reduction: 0.15%

Holmsdale BS
New rate: 4.64%
Total reduction: 0.10%

HSBC
New rate: 4.49%
Total reduction: 0.11%

Intelligent Finance
New rate: 4.59%
Total reduction: 0.16%

Leeds & Holbeck
New rate: 5.49%
Total reduction: 0.16%

Melton Mowbray
New rate: 5.44%
Total reduction: 0.10%

Mortgage Express: to 75%
New rate: 5.00%
Total reduction: 0.25%

Mortgage Express: to 95%
New rate: 5.25%
Total reduction: 0.25%

NatWest One Account (CAM)
New rate: 4.60 to 5.20%
Total reduction: 0.25%

NatWest
New rate: 5.59%
Total reduction: 0.23%

Nationwide
New rate: 4.54%
Total reduction: 0.10%

Northern Rock
New rate: 5.49%
Total reduction: 0.20%

Nottingham BS
New rate: 5.29%
Total reduction: 0.15%

Platform
New rate: 4.75%
Total reduction: 0.25%

Prudential Banking
New rate: 5.50%
Total reduction: 0.15%

Royal Bank of Scotland
New rate: 5.59%
Total reduction: 0.23%

Sainsbury's Bank
New rate: 4.45%
Total reduction: 0.25%

The One Account
New rate: 4.60 to 5.45%
Total reduction: 0.25%

UCB - Flexiplus & Investment Flexible
New rate: 5.79%
Total reduction: 0.10%

UCB - Self Cert
New rate: 6.39%
Total reduction: 0.10%

Yorkshire Bank
New rate: 5.54%
Total reduction: 0.25%