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But selected residential home purchase fixed rates, product transfers and fixed rates for new and existing BTL borrowers will be reduced. HSBC has told brokers it will increase its two and five-year and 10-year fee-free remortgage fixed rates for borrowers with 40percent equity or deposit. At the same time it is reducing the cost of a range of its first-time buyer deals and some product transfer fixed rates at higher LTVs . The lender is also increasing selected buy-to-let fixed rates and two, three and five-year fixed rate product transfer deals by 0.05 percentage points. Five-year remortgage rates for residential product transfer will start from 3.98percent (65percent LTV).