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.

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 1.62% 

Interest only monthly payments for 60 months at 1.62%: £245.69 

Followed by the variable rate currently at 4.44% at £673.38 a month

MAX LTV: 60%

Product fee: £1,995

Application fee: None

Valuation fee: £300

Mortgage Exit fee: None

Cashback: None

Early repayment charges: 5% of the amount repaid until 31/12/2021. 4% of the amount repaid until 31/12/2022. 3% of the amount repaid until 31/12/2023. 2% of the amount repaid until 31/12/2024. 1% of the amount repaid until 31/12/2025.

Buy to let mortgage based on borrowing £180,000 on £300,000 property on interest only over a 25 year term. Overall cost for comparison is 4.44%% APRC. Total amount owing by the end of the full term is £181,990.

5 year fix 2.09% with Cashback

Interest only monthly payments for 60 months at 2.09%: £313.50

Followed by the variable rate currently at 4.44% at £666.00 a month

MAX LTV: 60%

Product fee: None

Application fee: None

Valuation fee: None

Mortgage Exit fee: None

Cashback: £250

Early repayment charges: 5% of the amount repaid until 31/12/2021. 4% of the amount repaid until 31/12/2022. 3% of the amount repaid until 31/12/2023. 2% of the amount repaid until 31/12/2024. 1% of the amount repaid until 31/12/2025.

Buy to let mortgage based on borrowing £180,000 on £300,000 property on interest only over a 25 year term. Overall cost for comparison is 4.44% APRC. Total amount owing by the end of the full term is £180,000

75% LTV Buy to let mortgages

2 year fix 1.59%

Interest only monthly payments for 24 months at 1.59%: £506.84
Followed by the variable rate currently at 5.24 % at £1,670.34 a month

MAX LTV:  75%

Product fee: None

Application fee: None

Valuation fee: £465

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 £382,520.

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 2.23%

Interest only monthly payments for 60 months at 2.23%: £418.12

Followed by the variable rate currently at 4.44% at £832.50

MAX LTV:  75%

Product fee: None

Application fee: None

Valuation fee: £300

Mortgage Exit fee: None

Cashback: None

Early repayment charges: 5% of the amount repaid until 31/12/2021. 4% of the amount repaid until 31/12/2022. 3% of the amount repaid until 31/12/2023. 2% of the amount repaid until 31/12/2024. 1% of the amount repaid until 31/12/2025. 

Buy to let mortgage based on borrowing £225,000 on £300,000 property on interest only over a 25 year term. Overall cost for comparison is 4.44% APRC. Total amount owing by the end of the full term is £225,000.

5 year fix 3.05 No ERCs

Interest only monthly payments for 67 months at 3.06%: £576.98

Followed by the variable rate currently at 4.49% at £849.38

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 £225,000 on £300,000 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 £227,007.

HMO Rates

2 year fix 3.05% 

Interest only monthly payments for 24 months at 3.05%: £539.15

Followed by the variable rate currently at 4.20% at £742.44 a month

MAX LTV:  70%

Product fee: £2,100

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 £210,000 on £300,000 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 £212,125.

2 year fix 3.35 Free Valuation% 

Interest only monthly payments for 24 months at 3.35%: £1,057.41

Followed by the variable rate currently at 4.20% at £1,325.71 a month

MAX LTV:  75%

Product fee: £3,750

Application fee: £299

Valuation fee: None

Mortgage Exit fee: £249

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 £378,775.

5 year fix 3.74%

Interest only monthly payments for 60 months at 3.74%: £1,192.20

Followed by the variable rate currently at 4.20% at £1,338.84 a month

MAX LTV:  75%

Product fee: £7,500

Application fee: £299

Valuation fee: None

Mortgage Exit fee: £240

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 ££382,525.

Lifetime Tracker 3.55%

Interest only monthly payments for 300 months at 3.55%: £678.94

MAX LTV:  75%

Product fee: £4,500

Application fee: None

Valuation fee: £730

Mortgage Exit fee: None

Cashback: None

Early repayment charges: None

Buy to let mortgage based on borrowing £225,000 on £300,000 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 £229,500.

Limited Company Rates

2 year fix 2.05% Max 70% LTV

Interest only monthly payments for 24 months at 2.95%: £521.47

Followed by the variable rate currently at 4.20% at £742.44 a month

MAX LTV:  70%

Product fee: £2,100

Application fee: £299.00

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 £210,000 on £300,000 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 £212,125.

2 year fix 3.05% FOR HMO & Max 70% LTV

Interest only monthly payments for 24 months at 3.05%: £539.15

Followed by the variable rate currently at 4.20% at £742.44 a month

MAX LTV:  70%

Product fee: £2,100

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 £210,000 on £300,000 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 £212,125.

2 year fix 3.19% - 75% LTV

Interest only monthly payments for 25 months at 3.19%: £603.48

Followed by the variable rate currently at 5.24% at £991.30 a month

MAX LTV:  75%

Product fee: None

Application fee: None

Valuation fee: None

Mortgage Exit fee: £90.00

Cashback: None

Early repayment charges: 3% of the amount repaid until 31/01/2022. 2% of the amount repaid until 31/01/2023.

Buy to let mortgage based on borrowing £225,000 on £300,000 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 £227,015.

5 year fix 3.29% Max 70% LTV

Interest only monthly payments for 59 months at 3.29%: £582.95

Followed by the variable rate currently at 5.44% at £963.90 a month

MAX LTV:  70%

Product fee: None

Application fee: None

Valuation fee: £300

Mortgage Exit fee: None

Cashback: None

Early repayment charges: 5% of the amount repaid until 30/11/2021. 4% of the amount repaid until 30/11/2022. 3% of the amount repaid until 30/11/2023. 2% of the amount repaid until 30/11/2024. 1% of the amount repaid until 30/11/2025.

Buy to let mortgage based on borrowing £210,000 on £300,000 property on interest only over a 25 year term. Overall cost for comparison is 5.44% APRC. Total amount owing by the end of the full term is £212,625.

5 year fix 3.49% 

Interest only monthly payments for 60 months at 3.49%: £667.54

Followed by the variable rate currently at 5.50% at £1,051.99 a month

MAX LTV:  75%

Product fee: £4,500

Application fee: None

Valuation fee: £485

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 £225,000 on £300,000 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 £229,525.

Special Rates

2 year fix 3.98%, 80% LTV

Interest only monthly payments for 27 months at 3.98%: £802.62

Followed by the variable rate currently at 4.49% at £905.46 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 31/03/2022. 1.50% of the amount repaid until 31/03/2023. 

Buy to let mortgage based on borrowing £240,000 on £300,000 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 £241,995.

Lifetime Discount variable rate 2.19% 

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 21st November 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.

CONTACT ME

Ring anytime, open weekends on 0800 195-8682 or 01865 776707

COVID-19 update: we are still running our business and phone lines as normal. 

Open on bank holiday weekends too.

Please contact me to discuss my buy to let mortgage requirements. Details submitted through this form are confidential. We will process any personal information collected in this form in accordance with our terms & conditions.

 

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. The Financial Conduct Authority does not regulate all Buy to Let mortgages. This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

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