Buy-to-Let Rates 

 
We are independent, experienced specialists with access to buy-to-let mortgages from a vast range of multiple lenders.
  • We cater to:

    • Professional landlords. Portfolio Landlords (those owning at least 4 buy to let mortgaged properties)

    • First-time investors, First time landlords

    • HMOs (House of Multiple Occupation) and Multi-Unit Freehold Blocks (MUFB's)

    • New Builds.

    • Limited Companies

    • Large loans above £1 million

  • Professional advice with no obligation on how much you can borrow, competitive rates and which lender delivers*

  • Ring 0800 195 86 82 anytime, open weekends and bank holidays

  • Products may or may not be available to you, depending on your circumstances. Please consult a qualified adviser before undertaking any borrowing.

Special Rates

LTD Co HMO 2 year fix 2.89%  

Interest only monthly payments for 24 months at 2.89%: £916.73

Followed by the variable rate currently at 5.50% at £1,744.65 a month

MAX LTV: 75%

Product fee: £5,625

Application fee: None

Valuation fee: £630

Mortgage Exit fee: None

Cashback: None

Early repayment charges: 4% of the amount repaid
during the first 12 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 5.5% APRC. Total amount owing by the end of the full term is £380,650.

10 year fix 2.68% (max 75% LTV)

Interest only monthly payments for 25 months at 2.68%: £839.72 

Followed by the variable rate currently at 4.54% at £1,422.51 a month

MAX LTV: 75%

Product fee: £995

Application fee: None

Valuation fee: £275

Mortgage Exit fee: None

Cashback: None

Early repayment charges: 8.00% of the amount repaid until 01/10/2023. 7.00% of the amount repaid until 01/10/2025.
6.00% of the amount repaid until 01/10/2026. 5.00% of the amount repaid until 01/10/2027. 4.00% of the amount repaid until 01/10/2028. 3.00% of the amount repaid until 01/10/2029. 2.00% of the amount repaid until 01/10/2030. 1
.00% of the amount repaid until 01/10/2031. 

Buy to let mortgage based on borrowing £375,000.00 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 4.54% APRC. Total amount owing by the end of the full term is £375,995.

2 year tracker 1.85% (max 60% LTV)

Interest only monthly payments for 24 months at 1.85%: £464.04

Followed by the variable rate currently at 4.84% at £1,214.04 a month

MAX LTV: 60%

Product fee: None

Application fee: None

Valuation fee: None

Mortgage Exit fee: None

Cashback: None

Early repayment charges:
Redemption Administration Fee: £95.00

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 4.84% APRC. Total amount owing by the end of the full term is £301,001.

2 year fix 1.89% (no ERC max 65%)

Interest only monthly payments for 24 months at 1.89%: £515.04

Followed by the variable rate currently at 4.49% at £1,223.55 a month

MAX LTV: 65%

Product fee: £1,999

Application fee: None

Valuation fee: None

Mortgage Exit fee: £125.00

Cashback: None

Early repayment charges: Mortgage Exit Fee: £125.00

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 4.49% APRC. Total amount owing by the end of the full term is £327,007.

Limited Company Rates

5 year fix 3.18%

Interest only monthly payments for 60 months at 3.18%: £1,008.70
Followed by the variable rate currently at 5.35% at £1,697.02 a month

MAX LTV:  75%

Product fee: None

Application fee: £150.00

Valuation fee: £525.00

Mortgage Exit fee: £25.00

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 5.35% APRC. Total amount owing by the end of the full term is £380,640.

5 year fix 3.09% (max 65% LTV)

Interest only monthly payments for 60 months at 3.09%: £853.61

Followed by the variable rate currently at 5.09% at £1,406.11

MAX LTV:  65%

Product fee: None

Application fee: £145

Valuation fee: £605

Mortgage Exit fee: £135

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 24 months. . 

Buy to let mortgage based on borrowing £325,000 on £300,000 property on interest only over a 25 year term. Overall cost for comparison is 5.09% APRC. Total amount owing by the end of the full term is £331,500.

2 year fix 3.60% No fee

Interest only monthly payments for 25 months at 3.60%: £1,125.08

Followed by the variable rate currently at 6.54% at £2,043.89.

MAX LTV:  75%

Product fee: None

Application fee: None

Valuation fee: None

Mortgage Exit fee: None

Cashback: None

Early repayment charges: 2.00% of the amount repaid during the first 12 months. 1.00% of the amount repaid 
during the following 12 months

Buy to let mortgage based on borrowing be £375,000 on £500,000 property on interest only over a 25 year term. Overall cost for comparison is 6.54% APRC. Total amount owing by the end of the full term is £375,025.

2 year fix 2.79%

Interest only monthly payments for 24 months at 2.79%: £885.01

Followed by the variable rate currently at 5.50% at £1,744.65

MAX LTV:  75%

Product fee: £5,625

Application fee: None

Valuation fee: £630

Mortgage Exit fee: None

Cashback: None

Early repayment charges: 4.00% of the amount repaid during the first 12 months. 3.00% 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 £380,650.

HMO Rates

Lifetime tracker 3.55% (no ERC)

Interest only monthly payments for 300 months at 3.55%: £1,131.56

MAX LTV:  75%

Product fee: £7,500

Application fee: £150

Valuation fee: £750

Mortgage Exit fee: None

Cashback: None

Early repayment charges: Redemption Fee: £100.00

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 3.55% APRC. Total amount owing by the end of the full term is £382,500.

5 year fix 3.60% (75% LTV)

Interest only monthly payments for 60 months at 3.60%: £1,135.58

Followed by the variable rate currently at 4.20% at £1,324.84 a month

MAX LTV:  70%

Product fee: £3,500

Application fee: £299

Valuation fee: None

Mortgage Exit fee: None

Cashback: None

Early repayment charges: 5.00% of the amount repaid during the first 24 months. 4.00% of the amount repaid during the following 24 months. 3.00% 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 £378,525.

2 year fix 3.05% (max 70% LTV)

Interest only monthly payments for 24 months at 3.05%: £898.54

Followed by the variable rate currently at 4.20% at £1,237.34 a month

MAX LTV:  70%

Product fee: £3,500

Application fee: £299

Valuation fee: None

Mortgage Exit fee: None

Cashback: None

Early repayment charges: 3.00% of the amount repaid 
during the first 24 months
.

Buy to let mortgage based on borrowing £350,000 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 £353,525.

2 year fix 2.89% (75% LTV)

Interest only monthly payments for 24 months at 2.89%: £614.11

Followed by the variable rate currently at 5.50% at £1,744.65 a month

MAX LTV:  75%

Product fee: £5,625

Application fee: None

Valuation fee: £630.00

Mortgage Exit fee: None

Cashback: None

Early repayment charges: 4.00% of the amount repaid during the first 12 months. 3.00% 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 £380,650.

75% LTV

5 year fix 2.27% no fee

Interest only monthly payments for 61 months at 2.27%: £709.38

Followed by the variable rate currently at 3.35% at £1,046.88 a month

MAX LTV:  75%

Product fee: None

Application fee: None

Valuation fee: None

Mortgage Exit fee: None

Cashback: None

Early repayment charges: 5.00% of the amount repaid 
until 02/09/2026

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 3.35% APRC. Total amount owing by the end of the full term is £375,000.

5 year fix 2.00%

Interest only monthly payments for 61 months at 2.00%: £627.50

Followed by the variable rate currently at 3.35% at £1,051.06

MAX LTV:  75%

Product fee: £1,499.00

Application fee: None

Valuation fee: None

Mortgage Exit fee: None

Cashback: None

Early repayment charges: 5.00% of the amount repaid 
until 02/09/2026
 

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 3.35% APRC. Total amount owing by the end of the full term is £376,499.

2 year fix 1.39%

Interest only monthly payments for 24 months at 1.39%: £443.09

Followed by the variable rate currently at 5.24% at £1£1,670.34 a month

MAX LTV:  75%

Product fee: None

Application fee: None

Valuation fee: None

Mortgage Exit fee: £90.00

Cashback: None

Early repayment charges: 1.50% of the amount repaid until 31/07/2022. 1.00% of the amount repaid until 31/07/2023

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 £382,520.

60%-65% LTV

5 year fix 1.64%

Interest only monthly payments for 60 months at 1.64%: £453.08

Followed by the variable rate currently at 4.74% at £1,309.50 a month

MAX LTV:  65%

Product fee: None

Application fee: None

Valuation fee: £465.00

Mortgage Exit Fee: £90

Cashback: None

Early repayment charges: 3.75% of the amount repaid until 31/07/2022. 3.50% of the amount repaid until 31/07/2023. 3.00% of the amount repaid until 31/07/2024. 2.00% of the amount repaid until 31/07/2025. 1.00% of the amount repaid 
until 31/07/2026.

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 £331,520.

2 year fix 2.15% no fee

Interest only monthly payments for 24 months at 2.15%: £582.31

Followed by the variable rate currently at 4.49% at ££1,216.07 a month

MAX LTV:  65%

Product fee: None

Application fee: None

Valuation fee: None

Mortgage Exit Fee: £125.00

Cashback: None

Early repayment charges: 2.00% of the amount repaid until 31/07/2022. 1.00% of the amount repaid until 31/07/2023.

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 4.49% APRC. Total amount owing by the end of the full term is £325,008.

2 year fix 1.24% (65% LTV)

Interest only monthly payments for 24 months at 1.24%: £342.57

Followed by the variable rate currently at 4.74% at £1,309.50 a month

MAX LTV:  65%

Product fee: None

Application fee: None

Valuation fee: None

Mortgage Exit Fee: £90.00

Cashback: None

Early repayment charges: 1.50% of the amount repaid until 31/07/2022. 1.00% of the amount repaid until 31/07/2023.

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 £331,520.

 

 

Information correct as of 9th of June 2021.

The rates we have published here are hand-picked by us. With thousands of products on the market, there are also many other types of rates available such as variable, tracker and discounted rates all with varying fee structures too.