Barclays and HSBC are among those to lower rates on existing deals Sign up to our free money newsletter for investment analysis and expert advice to help you build wealth Sign up to our free money email for help building your wealth Sign up to our free money email for help building your wealth Email * SIGN UP I would like to be emailed about offers, events and updates from The Independent. Read our Privacy notice Homeowners looking to renew their mortgages before the end of the year have