Is it convenient to talk at the moment? http://xtube.in.net/ x-tube They only narrowly beat what is already out there on offer from lenders who are not benefiting from the Help to Buy subsidy. Leeds Building Society for instance offers a 5.39pc five-year fix which undercuts RBS’s equivalent rate - although there is a £999 fee. Yorkshire Bank offers a two-year fix at 5.49pc, with no fee.