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TSB is also increasing its two-year fixed-rate deal for residential remortgage for borrowers with up to 25percent equity in their home by 0.2 percentage points to 4.74percent, effective from 9 February. The bank’s lowest two-year rate for remortgage will be at 4.49percent with a 1,495 fee and the equivalent five-year deal is still just below 4percent at 3.99percent, also with a 1,495 fee.