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Santander UK is to offer sub 4% mortgage rates from Thursday - The new deals at 3.99% are part of a wider shake-up by the bank of its mortgage rates.

Barclays and Santander have cut fixed mortgage prices and released deals with rates below 4%. The rate reductions have come just a week after the Bank of England cut interest rates by 0.25% to 4.5% and as swap rates, which lenders use to set their pricing, began improving.

According to experts, Santander has "fired" the starting gun, and more are set to follow in the coming weeks with experts saying that it is “only a matter of time” before more sub-4% mortgages return

The prospect of further cuts in the base rate by the Bank of England has given mortgage providers confidence to reduce their own rates. But the attention-grabbing sub-4% deals by Santander and Barclays will not be available to all borrowers,

Santander and Barclays have announced this week that it was to launch the new deals on Thursday, with borrowers able to get mortgage rates below 4% for the first time this year