Mortgage lenders which went to the government with their begging bowls not so long ago are charging consumers more for their mortgages. According to data from realpricecomparison.com, Northern Rock, Lloyds Banking and the Royal Bank of Scotland are offering two-year fixed-rate mortgages at an average rate of five point three per cent, which is more than one per cent higher than the best on the market. Average rates across best-buy two, three and five year products are around four point …

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