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Both deals require a 25percent deposit or equity in the property and charge a 999 arrangement fee. Santander has increased fixed rates for residential purchase by up to 0.36 percentage points, while remortgage fixed rate deals have gone up by up to 0.33 percentage points. Five-year fixed rates for home purchase (which includes first-time buyers and home movers) now range from 5.79percent (at 60percent loan to value) up to 6.54percent (at 95percent LTV).