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

Mortgage Hotline - Call Us 0117 313 7780

Buy To Let 75% LTV Mortgages

Buy To Let Mortgage Deals Of The Month

RBS Mortgages Logo

FairMortgages.co.uk has partnered with Royal Bank Of Scotland to bring you some of the best mortgage rates in the market, which is why they say 'YES' to a mortgage every 60 seconds*. It takes just a few minutes to find out if they can help:

Call RBS Buy To Let team: FREE on 0800 096 7962

OPEN 7 DAYS A WEEK
Monday to Friday:  8am to 8pm 
Saturday & Sunday:  9am to 4pm

Hsbc 2-logo 

Call FREE 0808 271 8482

Top rates for those looking to get a better deal or borrow more:

  • FIXED RATES from 1.69% (4.5% APRC)
  • FAST DECISION
  • LINES OPEN: 7 days a week 8am to 10pm

Call HSBC Buy To Let team FREE on 0808 271 8482 to find out how much you could borrow

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.43%
Rate type: Fixed Oct-2019
Monthly cost: £488.68 per month
Max LTV: 60%
Product fee: £2270.00
Overall cost for comparison: 4.5% APRC
Barclays Bank logo 1.43% Fixed Oct-2019 4.5% APRC 60% £2270.00 £488.68 per month get quotes Call direct0117 313 7780
Initial rate: 1.43%
Rate type: Fixed Oct-2019
Monthly cost: £484.13 per month
Max LTV: 60%
Product fee: £1320.00
Overall cost for comparison: 4.3% APRC
Barclays Bank logo 1.43% Fixed Oct-2019 4.3% APRC 60% £1320.00 £484.13 per month get quotes Call direct0117 313 7780
Initial rate: 1.44%
Rate type: Fixed Jan-2020
Monthly cost: £486.96 per month
Max LTV: 60%
Product fee: £1755.00
Overall cost for comparison: 4.2% APRC
Santander UK Plc logo 1.44% Fixed Jan-2020 4.2% APRC 60% £1755.00 £486.96 per month get quotes Call direct0117 313 7780
Initial rate: 1.44%
Rate type: Fixed Jan-2020
Monthly cost: £486.96 per month
Max LTV: 60%
Product fee: £1755.00
Overall cost for comparison: 4.2% APRC
Santander UK Plc logo 1.44% Fixed Jan-2020 4.2% APRC 60% £1755.00 £486.96 per month get quotes Call direct0117 313 7780
Initial rate: 1.44%
Rate type: Fixed Jan-2020
Monthly cost: £486.96 per month
Max LTV: 60%
Product fee: £1755.00
Overall cost for comparison: 4.2% APRC
Santander UK Plc logo 1.44% Fixed Jan-2020 4.2% APRC 60% £1755.00 £486.96 per month get quotes Call direct0117 313 7780
Initial rate: 1.48%
Rate type: Fixed Oct-2019
Monthly cost: £491.02 per month
Max LTV: 60%
Product fee: £2270.00
Overall cost for comparison: 4.5% APRC
Barclays Bank logo 1.48% Fixed Oct-2019 4.5% APRC 60% £2270.00 £491.02 per month get quotes Call direct0117 313 7780
Initial rate: 1.6%
Rate type: Tracker 2 years
Monthly cost: £496.66 per month
Max LTV: 60%
Product fee: £2270.00
Overall cost for comparison: 4.5% APRC
Barclays Bank logo 1.6% Tracker 2 years 4.5% APRC 60% £2270.00 £496.66 per month get quotes Call direct0117 313 7780
Initial rate: 1.69%
Rate type: Fixed Dec-2019
Monthly cost: £496.22 per month
Max LTV: 60%
Product fee: £1670.00
Overall cost for comparison: 4.3% APRC
BM Solutions logo 1.69% Fixed Dec-2019 4.3% APRC 60% £1670.00 £496.22 per month get quotes Call direct0117 313 7780
Initial rate: 1.69%
Rate type: Fixed Dec-2019
Monthly cost: £496.25 per month
Max LTV: 60%
Product fee: £1061.00
Overall cost for comparison: 4.6% APRC
Skipton BS logo 1.69% Fixed Dec-2019 4.6% APRC 60% £1061.00 £496.25 per month get quotes Call direct0117 313 7780
Initial rate: 1.88%
Rate type: Tracker Feb-2020
Monthly cost: £510.20 per month
Max LTV: 60%
Product fee: £2273.00
Overall cost for comparison: 4.4% APRC
NatWest logo 1.88% Tracker Feb-2020 4.4% APRC 60% £2273.00 £510.20 per month get quotes Call direct0800 056 8572
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

Buy To Let 75% LTV Mortgages

Our Buy to Let Mortgage Service

Why choose us?

Fair Mortgages can provide you with a first class service if you are looking for buy to let mortgage advice. 

Special features of what we offer 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 Buy To Let 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 Buy To Let 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. 

If you can afford to put down a deposit of at least 25% you may be wondering what buy to let 75% LTV mortgages are currently available.

Using the calculator above may help you find out; it can be used to compare buy to let mortgages from a variety of different providers. You just need to enter your relevant financial information and the calculator will filter a selection of mortgages that fit your requirements.

Buy to let deposit for a 75% Loan To Value

Buy to let mortgages require larger deposits than regular loans, while residential mortgages may be taken out with as little as a 5% deposit, a deposit of at least 25% is usually required for a buy to let mortgage although it is sometimes possible to get buy to let finance for less.

As with all types of mortgage however the larger the deposit you can afford to put down the lower the interest rates you can expect to pay will be. 

About buy to let mortgages

One of the key differences between a buy to let mortgage and a traditional mortgage is how your affordability is calculated.

Instead of it being a multiple of your income lenders tend to require borrowers to provide details of their rental yield. From 2017, lenders require the rental coverage ratio to be at least 145% for standard buy to let properties and 170% for a house in multiple occupation buy to lets.

This estimate needs to come from a professional rental valuation, you cannot simply tell the lender how much you are intending to charge for rent.

Other factors that may affect the Buy to let mortgages available to you include:

  • If you are already a property owner – Some lenders only offer buy to let mortgages to existing homeowners. 
  • How much you earn – While affordability is generally calculated on rental yield, many lenders still have a minimum requirement for how much their potential borrowers need to earn. From 2017, lenders will also require that you can afford the mortgage repayments in the event that interest rates increase to 5.5%
  • Your Age – Some lenders may be reluctant to offer mortgages to applicants who will be over 70 years old by the end of the mortgage term.
  • Your property portfolio – From 2017, lenders will review your entire property portfolio before granting a buy to let mortgage. It should be noted that it is unlikely that a lender will provide a buy to let mortgage if only a few of your buy to let properties are profitable. This means that you can no longer spread equity across your portfolio. 

As with other kinds of mortgage there is a range of repayment plans, where your monthly charge pays off a portion of your loan, and interest only plans – in which at the end of your mortgage term you need to repay your loan in full as the monthly payment only covers the interest that accumulates on the loan.

When looking for a buy to let mortgage you may benefit from speaking to an independent buy to let mortgage broker such as ourselves, who in addition to being able to provide you with impartial advice, can offer a whole of market service – searching mortgages from a wide range of different lenders to find the plans most suitable for your needs.

If you would like to find out if Fair Mortgages may be able to help you, you can fill in our online contact form to request a call back from one of our advisers who can offer you a free initial consultation about mortgages. Alternatively you can call us directly on: 0117 403 4222 

Our Buy to Let Mortgage Broker Service

Why choose us?

Fair Mortgages can provide you with a first class service if you are looking for buy to let broker mortgage service. 

Special features of what our broker service offers include:

  • Rental Income Requirements - What lenders now require on rental income - we can help you through the lender criteria maze
  • Whole of market btl broker - we deal with most UK buy to let lenders
  • Buy to Let 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 Experise - Expert help whether you are a first time landlord or full time landlord
  • Credit Issues? - We have lenders who will take into account previous defaults and missed payments if applicable
  • 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. 

A Complete Service

house icon

Call us on 0117 313 7780 or Request a Callback for our Buy To Let Mortgage Service

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

Buy To Let Providers