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There are around 4,350 residential mortgage deals on the market, according to Moneyfacts, compared to 3,640 at the start of the year and just 2,560 since last Autumn’s mini-Budget. But it is still a lot lower than the 5,300 deals available in December 2021. Virgin Money, HSBC and Yorkshire building society are offering sub-4percent five-year fixes – the first time rates have dipped below 4percent since September last year.