There has been further evidence this week that mortgages have bottomed out and are now getting more expensive after eight months of tumbling interest rates.

The average two-year fixed-rate deal has climbed from 4.59 per cent to 4.74 per cent over the last two months, according to Moneyfacts.co.uk, the financial website. In the same period, the average five-year fix from 5.51 per cent to 5.64 per cent.

The pace of changes has quickened over the last fortnight as lenders reacted to a sharp increase in the cost of wholesale borrowing on moneymarkets. Here is a guide to which lenders have hit borrowers with a rate hike and the cheapest deals that are still available.

Nationwide Building Society

Rate increased by up to 0.86 percentage points

Example: A five-year fix up to 60 per cent loan-to-value has climbed from 4.78 per cent to 5.64 per cent.

Cheapest two-year fixed-rate up to 75 per cent loan-to-value: 4.28 per cent with a fee of £995

Cheapest five-year fixed-rate up to 75 per cent loan-to-value: 5.48 per cent with a £995

Cheltenham & Gloucester

Rate increased up to 0.7 percentage points

Example: A five-year deal up to 85 per cent loan-to-value has jumped from 6.49 per cent to 7.19 per cent

Cheapest three-year fixed-rate up to 75 per cent loan-to-value: 5.29 per cent with a £995 fee

Cheapest five-year fixed-rate up to 75 per cent loan-to-value: 5.99 per cent with a £995 fee

Halifax

Rate increased up to 0.6 percentage points

Example: A five-year deal up to 60 per cent loan-to-value has jumped from 5.09 per cent to 5.69 per cent

Cheapest two-year fixed-rate up to 75 per cent loan-to-value: 5.19 per cent with a £499 fee

Cheapest five-year fixed-rate up to 75 per cent loan-to-value: 5.89 per cent with a £499 fee

Birmingham Midshires (Buy-to-let deals)

Rate increased up to 0.6 percentage points

Example: A two-year buy-to-let fixed-rate deal up to 75 per cent loan-to-value from 5.4 per cent to 6 per cent

Cheapest two-year fixed-rate up to 75 per cent loan-to-value: 6 per cent with a 2.5 per cent fee

Cheapest five-year fixed-rate up to 75 per cent loan-to-value: 7 per cent with a 2.5 per cent fee

Abbey

Rate increased up to 0.5 percentage points

Example: A three-year fixed-rate deal up to 75 per cent loan-to-value from 4.39 per cent to 4.89 per cent

Cheapest two-year fixed-rate up to 75 per cent loan-to-value: 4.28 per cent with a £995 fee

Cheapest five-year fixed-rate up to 75 per cent loan-to-value: 5.29 per cent with a £995 fee

Alliance & Leicester

Rate increased up to 0.5 percentage points

Example: A three-year fixed-rate deal up to 75 per cent loan-to-value from 4.79 per cent to 5.29 per cent

Cheapest two-year fixed-rate up to 75 per cent loan-to-value: 4.28 per cent with a £995 fee

Cheapest five-year fixed-rate up to 75 per cent loan-to-value: 5.39 per cent with a £995 fee

Northern Rock

Rate increased up to 0.2 percentage points last week

Example: A five-year fixed-rate deal up to 65 per cent loan-to-value from 4.69 per cent to 4.89 per cent

Cheapest two-year fixed-rate up to 75 per cent loan-to-value: 3.99 per cent with a fee of £995

Cheapest five-year fixed-rate up to 75 per cent loan-to-value: 5.09 per cent with a £995 fee.

A number of smaller building societies, including Chelsea, Yorkshire and The Nottingham also increased interest rates across a range of deals in the last fortnight.

Best-buy deals

The cheapest five-year fixed-rate deal is currently available from the Post Office, with a rate of 4.45 per cent. It comes with a fee of £599 but is only available to borrowers with a 40 per cent deposit.

Borrowers with only a 10 per cent deposit can get a rate of 5.34 per cent - fixed for five years - from Britannia Building Society. It has a fee of £999.

Major lenders who hasn't hiked rates..yet

Barclays (Woolwich) - Woolwich withdrew all its fixed-rate deals yesterday and is expected to launch new pricier fixes soon

HSBC

Royal Bank of Scotland/NatWest