This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more

Buy To Let Mortgage Hotline - Call 0117 403 4222

1.75% 2 Year Fixed

  • Overall cost for comparison 4.3% APRC

Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to Post Office variable rate of 4.74%.

Call Post Office FREE on 0808 178 6813

2.68% 5 Year Fixed

  • Overall cost for comparison 4.0% APRC

Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to Post Office variable rate of 4.74%.

Call Post Office FREE on 0808 178 6813

Compare Best Buy To Let Mortgage Rates

Compare Best Buy to Let Mortgage Rates - Call lenders free

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.49%
Rate type: Fixed Apr-2020
Monthly cost: £491.76 per month
Max LTV: 50%
Product fee: £2132.00
Overall cost for comparison: 4.3% APRC
Godiva Mortgages logo 1.49% Fixed Apr-2020 4.3% APRC 50% £2132.00 £491.76 per month get quotes Call direct0117 313 7780
Initial rate: 1.5%
Rate type: Fixed Jan-2020
Monthly cost: £487.37 per month
Max LTV: 60%
Product fee: £1320.00
Overall cost for comparison: 4.5% APRC
Barclays Bank logo 1.5% Fixed Jan-2020 4.5% APRC 60% £1320.00 £487.37 per month get quotes Call direct0117 313 7780
Initial rate: 1.54%
Rate type: Fixed Apr-2020
Monthly cost: £491.63 per month
Max LTV: 60%
Product fee: £1755.00
Overall cost for comparison: 4.4% APRC
Santander UK Plc logo 1.54% Fixed Apr-2020 4.4% APRC 60% £1755.00 £491.63 per month get quotes Call direct0117 313 7780
Initial rate: 1.54%
Rate type: Fixed Apr-2020
Monthly cost: £491.63 per month
Max LTV: 60%
Product fee: £1755.00
Overall cost for comparison: 4.4% APRC
Santander UK Plc logo 1.54% Fixed Apr-2020 4.4% APRC 60% £1755.00 £491.63 per month get quotes Call direct0117 313 7780
Initial rate: 1.54%
Rate type: Fixed Apr-2020
Monthly cost: £491.63 per month
Max LTV: 60%
Product fee: £1755.00
Overall cost for comparison: 4.4% APRC
Santander UK Plc logo 1.54% Fixed Apr-2020 4.4% APRC 60% £1755.00 £491.63 per month get quotes Call direct0117 313 7780
Initial rate: 1.55%
Rate type: Fixed Jan-2020
Monthly cost: £494.30 per month
Max LTV: 60%
Product fee: £2270.00
Overall cost for comparison: 4.6% APRC
Barclays Bank logo 1.55% Fixed Jan-2020 4.6% APRC 60% £2270.00 £494.30 per month get quotes Call direct0117 313 7780
Initial rate: 1.55%
Rate type: Fixed Jan-2020
Monthly cost: £498.18 per month
Max LTV: 60%
Product fee: £3070.00
Overall cost for comparison: 4.5% APRC
Barclays Bank logo 1.55% Fixed Jan-2020 4.5% APRC 60% £3070.00 £498.18 per month get quotes Call direct0117 313 7780
Initial rate: 1.69%
Rate type: Fixed Mar-2020
Monthly cost: £496.22 per month
Max LTV: 60%
Product fee: £1670.00
Overall cost for comparison: 4.4% APRC
BM Solutions logo 1.69% Fixed Mar-2020 4.4% APRC 60% £1670.00 £496.22 per month get quotes Call direct0117 313 7780
Initial rate: 1.69%
Rate type: Fixed Apr-2020
Monthly cost: £496.22 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 4.2% APRC
NatWest logo 1.69% Fixed Apr-2020 4.2% APRC 60% £1273.00 £496.22 per month get quotes Call direct0800 056 8572
Initial rate: 1.75%
Rate type: Fixed Jan-2021
Monthly cost: £503.76 per month
Max LTV: 60%
Product fee: £2270.00
Overall cost for comparison: 4.4% APRC
Barclays Bank logo 1.75% Fixed Jan-2021 4.4% APRC 60% £2270.00 £503.76 per month get quotes Call direct0117 313 7780
12345678910...

Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Best Buy to Let Mortgage Rates

Compare 2 year Tracker BTL Rates »

Compare 5 Year Fixed BTL Rates »

Fair Mortgages can provide you with a first class service if you are looking for the best buy to let mortgage rates in the UK market.

To use our service you can:

  • Contact the lender direct on the free phone numbers provided
  • If you need independent advice call us on 0117 403 4222

Special features of what our advice service offers include:

  • Whole of market broker - we deal with most UK buy to let lenders
  • Rates - Access to leading buy to let market rates 
  • Exclusives - Access to exclusive buy to let mortgage deals not available on high street
  • Our BTL Expertise - Expert help whether you are a first time investor or experienced full time landlord
  • Credit Issues? - We have lenders who will take into account previous defaults and missed payments 
  • Experienced BTL Investor? - Have a complex buy to let or have a portfolio of 5+ properties? - speak to us

To investigate your buy to let mortgage options call our specialist team on 0117  403 4222 or fill in our call back form. 

Complete Mortgage Fast

best buy to let mortgage rates

Buy to let mortgage tax rule changes

It is more important than ever to get the best available rates on a buy to let mortgage. This is because, from 2017, landlords can no longer deduct the finance expenses from their buy to let properties when calculating their profit from the financial year. These new rules do not affect limited companies. As a result, more private landlords are setting up limited companies. However, there are some associated costs that come with setting up a limited company which should be considered.

Regulation changes in 2017

From 2017, further changes to how buy to let mortgages are regulated will be implemented that will make it harder for those looking to secure finance for buy to let properties.

A stricter stress test: Lenders will now implement a stricter stress test. Landlords will now have to illustrate that they can make mortgage repayments even in the event that the interest rate increases to 5.5%.

A higher rental coverage ratio: Landlords will now need a rental coverage ratio of 145% for a standard buy to let property and 170% for a house in multiple occupation, as opposed to the previous rental coverage ratio of 125%.

A review of the entire portfolio: Lenders will review the landlord’s entire portfolio to ensure that all of their properties are profitable. If a landlord has multiple buy to let properties and only a few are profitable, a lender may be reluctant to provide a buy to let mortgage.

Compare the best rates buy to let mortgage rates

If you require a buy to let mortgage, it is advisable to contact a specialist property finance broker.

To find out if Fair Mortgages could help you, you can fill in our online contact form or call us directly on: 0117 403 4222

house icon

Independent Buy To Let Mortgage Advice - Callback

For a FREE initial conversation about your mortgage options complete our short enquiry form.

request call back

Please confirm your details

Extra information

The optional information below will help us to contact you