Over the last few years, building societies have been a dominant force in the mortgage market, particularly with fixed-rate products. Even though mutuals already have a big presence in the bestbuy tables, the battle for mortgage supremacy stepped up another gear this week when Yorkshire Building Society, through its Chelsea brand, hit the market with a five-year fix at a record low rate of just 3.19 per cent, maximum 70 per cent loan-to-value (LTV) ratio.
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