Mortgage rates across all main product types have fallen sharply over the past six months, according to Mortgage Brain's quarterly product data analysis.
The lowest-rate two-year tracker to 60% LTV has fallen by 30%, from 1.44% in October to just 0.99% on 1 April.
The rate for the same product to 90% LTV fell 20% from 2.49% six months ago to just 1.99%.
Fixed-rate products saw similar reductions over the same period.
The cheapest two-year fix to 90% LTV is now 20% lower than in October, down from 3.39% to 2.69%.
The rate for the same product with a 60% LTV dropped 19% with latest data showing a rate of 1.18%, down from 1.49% in October 2014.
Mortgage Brain's latest analysis shows a slightly different picture for longer term products with the lowest rate five-year tracker at 70% LTV rising 42% over the past six months, from 1.99% to 3.19%.
This was the only anomaly in the data, however, with the lowest rate five-year trackers to 60% LTV and 90% LTV both falling.
The cheapest five-year fixed rate mortgage to 60% LTV dropped 19%, from 2.78% to 2.24%. And the lowest rate 90% LTV five-year fix fell 15% from 4.24% to 3.59%.
Mortgage Brain's latest buy-to-let data shows the lowest rate three-year fix to 80% LTV is now 16% lower than in October, down from 4.99% to 4.20%.
The same product to 60% LTV saw a 5% rate drop over the same period, falling from 2.95% to 2.79%.
Mark Lofthouse, chief executive of Mortgage Brain, said: "Despite repeated predictions for a rise in base rates in 2015 we're yet to see any real and comparative increases in mortgage rates over the past three and six months.
"Whether this will be the case in another three months' time remains to be seen.
"What is certain, however, is that the continued rate drop will be seen as further welcome news to a lot of today's potential homebuyers or those looking to re-mortgage."
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