The 10-year fix is being offered at 4.99 per cent and up to 95 per cent loan to value. The new rate on the 10-year deal is a drop of 15 basis points from the previous rate of 5.14 per cent. The product has an arrangement fee of 349. The five-year fix has a new rate of 4.89 per cent up to 95 per cent loan to value and the two-year rate is 4.89 per cent. Both these rates are down from 4.94 per cent and both have an arrangement fee of 349.