Buy-to-Let Rates
We are independent, experienced specialists with access to buy-to-let mortgages from a vast range of multiple lenders.
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We cater to:
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Professional landlords. Portfolio Landlords (those owning at least 4 buy to let mortgaged properties)
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First-time investors, First time landlords
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HMOs (House of Multiple Occupation) and Multi-Unit Freehold Blocks (MUFB's)
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New Builds.
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Limited Companies
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Large loans above £1 million
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Professional advice with no obligation on how much you can borrow, competitive rates and which lender delivers*
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Ring 0800 195 86 82 anytime, open weekends and bank holidays
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Products may or may not be available to you, depending on your circumstances. Please consult a qualified adviser before undertaking any borrowing.
60% LTV Buy to let mortgages
2 year fix 1.19%
Interest only monthly payments for 25 months at 1.19%: £303.47
Followed by the variable rate currently at 4.74% at £1208.78 a month
MAX LTV: 65%
Product fee: £6000 (2% fee)
Application fee: None
Valuation fee: £465
Mortgage Exit fee: £90
Cashback: None
Early repayment charges: 3% of the amount repaid until 30/09/2021. 2% of the amount repaid until 30/09/2022.
Buy to let mortgage based on borrowing £325,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 4.50% APRC. Total amount owing by the end of the full term is £306,020.
5 year fix 1.64%
Interest only monthly payments for 61 months at 1.64%: £418.23
Followed by the variable rate currently at 4.74% at £1208.78 a month
MAX LTV: 65%
Product fee: None
Application fee: None
Valuation fee: £465
Mortgage Exit fee: £90
Cashback: None
Early repayment charges: 6% of the amount repaid until 30/11/2021. 5% of the amount repaid until 30/11/2022. 4% of the amount repaid until 30/11/2023. 3% of the amount repaid until 30/11/2024. 2% of the amount repaid until 30/11/2025.
Buy to let mortgage based on borrowing £325,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 4.74%% APRC. Total amount owing by the end of the full term is £306,020.
5 year fix 1.99% Free valuation, No Lender Fee
Interest only monthly payments for 58 months at 1.99%: £497.50
Followed by the variable rate currently at 4.09% at £1022.50 a month
MAX LTV: 60%
Product fee: None
Application fee: None
Valuation fee: None
Mortgage Exit fee: None
Cashback: None
Early repayment charges: 4% of the amount repaid until 30/08/2022. 3% of the amount repaid until 30/08/2024. 2% of the amount repaid until 30/08/2025.
Buy to let mortgage based on borrowing £300,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 4.09% APRC. Total amount owing by the end of the full term is £300,000.
75% LTV Buy to let mortgages
2 year fix 1.61%
Interest only monthly payments for 26 months at 1.61%: £505.80
Followed by the variable rate currently at 4.49% at £1410.59 a month
MAX LTV: 75%
Product fee: £1995
Application fee: None
Valuation fee: None
Mortgage Exit fee: £90
Cashback: None
Early repayment charges: 2.50% of the amount repaid
until 31/12/2021. 1.50% of the amount repaid until 31/12/2022.
Buy to let mortgage based on borrowing £375,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 4.49% APRC. Total amount owing by the end of the full term is £376,995.
5 year fix 1.94%
Interest only monthly payments for 61 months at 1.94%: £609.51
Followed by the variable rate currently at 5.24% at £1646.30
MAX LTV: 75%
Product fee: None
Application fee: None
Valuation fee: None
Mortgage Exit fee: £90
Cashback: None
Early repayment charges: 6% of the amount repaid until 30/11/2021. 5% of the amount repaid until 30/11/2022. 4% of the amount repaid until 30/11/2023. 3% of the amount repaid until 30/11/2024. 2% of the amount repaid until 30/11/2025.
Buy to let mortgage based on borrowing £375,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 5.24% APRC. Total amount owing by the end of the full term is £377,015.
5 year fix 2.85% No ERC
Interest only monthly payments for 66 months at 2.85%: £895.39
Followed by the variable rate currently at 4.49% at £1410.63
MAX LTV: 75%
Product fee: £1999
Application fee: None
Valuation fee: None
Mortgage Exit fee: £125
Cashback: None
Early repayment charges: None
Buy to let mortgage based on borrowing £375,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 4.49% APRC. Total amount owing by the end of the full term is £377,007.
HMO Rates
2 year fix 3.35% Free valuation
Interest only monthly payments for 24 months at 3.35%: £1057.41
Followed by the variable rate currently at 4.20% at £1325.71 a month
MAX LTV: 75%
Product fee: £3750
Application fee: £299
Valuation fee: None
Mortgage Exit fee: £240
Cashback: None
Early repayment charges: 3% of the amount repaid during the first 24 months.
Buy to let mortgage based on borrowing £375,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 4.20% APRC. Total amount owing by the end of the full term is £391,274.58.
5 year fix no Lender Fee + Cashback
Interest only monthly payments for 60 months at 4.20%: £1312.59
Followed by the variable rate currently at 4.20% at £1312.59 a month
MAX LTV: 75%
Product fee: None
Application fee: £299
Valuation fee: None
Mortgage Exit fee: None
Cashback: £350
Early repayment charges: 5% of the amount during the first 24 months. 4% of the amount repaid during the following 24 months. 3% of the amount repaid during the following 12 months
Buy to let mortgage based on borrowing £375,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 4.20% APRC. Total amount owing by the end of the full term is £375,025
12 months discount 3.95% No product fee
Interest only monthly payments for 12 months at 3.95%: £1234.46
Followed by the variable rate currently at 4.95% at £1546.98 a month
MAX LTV: 75%
Product fee: None
Application fee: £299
Valuation fee: None
Mortgage Exit fee: None
Cashback: None
Early repayment charges: 1% of the amount repaid during the first 12 months.
Buy to let mortgage based on borrowing £375,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 4.95% APRC. Total amount owing by the end of the full term is £375,025
Limited Company Rates
2 year fix 3.39%
Interest only monthly payments for 25 months at 3.39%: £1065.07
Followed by the variable rate currently at 5.24% at £1646.30 a month
MAX LTV: 75%
Product fee: None
Application fee: None
Valuation fee: None
Mortgage Exit fee: £90
Cashback: None
Early repayment charges: 3% of the amount repaid until 30/11/2021. 2% of the amount repaid until 30/11/2022.
Buy to let mortgage based on borrowing £375,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 5.24% APRC. Total amount owing by the end of the full term is £377,015
3 year discount 2.50%
Interest only monthly payments for 36 months at 2.50%: £784.37
Followed by the variable rate currently at 5.20% at £1631.50 a month
MAX LTV: 75%
Product fee: None
Application fee: None
Valuation fee: £445.00
Mortgage Exit fee: None
Cashback: None
Early repayment charges: 3% of the amount repaid during the first 12 months. 3% of the amount repaid during the following 12 months. 2% of the amount repaid during
the following 12 months.
Buy to let mortgage based on borrowing £375,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 5.20% APRC. Total amount owing by the end of the full term is £376,499.
5 year fix 3.54% Limited Edition Product
Interest only monthly payments for 60 months at 3.54%: £1,128.45
Followed by the variable rate currently at 5.50% at £1753.24 a month
MAX LTV: 70%
Product fee: £7,500
Application fee: None
Valuation fee: £630.00
Mortgage Exit fee: None
Cashback: None
Early repayment charges: 4% of the amount repaid during the first 24 months. 3% of the amount repaid during the following 24 months. 2% of the amount repaid during the following 12 months.
Buy to let mortgage based on borrowing £375,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 5.50% APRC. Total amount owing by the end of the full term is £382,525
Special Rates
2 year fix 2.78%, 80% with Cashback
Interest only monthly payments for 26 months at 2.78%: £931.29
Followed by the variable rate currently at 4.49% at £1504.13 a month
MAX LTV: 80%
Product fee: £1995
Mortgage Fee: £90
Application fee: None
Valuation fee: None
Mortgage Exit fee: None
Cashback: £250
Early repayment charges: 2.50% of the amount repaid until 31/12/2021. 1.50% of the amount repaid until 31/12/2022.
Buy to let mortgage based on borrowing £400,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 4.49% APRC. Total amount owing by the end of the full term is £401,995
Lifetime Discount variable rate 2.19% max 60%
Interest only monthly payments for 300 months at 2.19%: £456.25
MAX LTV: 60%
Product fee: None
Application fee: None
Valuation fee: £450
Mortgage Exit fee: £150
Cashback: None
Early repayment charges: 5% of the amount repaid during the first 12 months. 4% of the amount repaid during the following 12 months. 3% of the amount repaid during the following 12 months. 2% of the amount repaid during the following 12 months. 1% of the amount repaid during the
following 12 months.
Buy to let mortgage based on borrowing £300,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 2.19% APRC. Total amount owing by the end of the full term is £250,000
Information correct as of 2nd of September 2020
Only a few fixed rates that we have hand-picked are published here. With thousands of products on the market, note there are also other types of rates available such as variable, tracker and discounted rates all with varying fee structures.