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Buy To Let Mortgage Hotline - Call 0117 403 4222

80% Buy to Let Mortgages

Buy To Let Mortgage Deals Of The Month

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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

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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: 1.38%
Rate type: Fixed Mar-2020
Monthly cost: £486.56 per month
Max LTV: 60%
Product fee: £2213.00
Overall cost for comparison: 4.4% APRC
Virgin Money logo 1.38% Fixed Mar-2020 4.4% APRC 60% £2213.00 £486.56 per month get quotes Call direct0330 057 1595
Initial rate: 1.47%
Rate type: Fixed Mar-2020
Monthly cost: £490.77 per month
Max LTV: 60%
Product fee: £2213.00
Overall cost for comparison: 4.4% APRC
Virgin Money logo 1.47% Fixed Mar-2020 4.4% APRC 60% £2213.00 £490.77 per month get quotes Call direct0330 057 1595
Initial rate: 1.48%
Rate type: Fixed Mar-2020
Monthly cost: £486.42 per month
Max LTV: 60%
Product fee: £1213.00
Overall cost for comparison: 4.3% APRC
Virgin Money logo 1.48% Fixed Mar-2020 4.3% APRC 60% £1213.00 £486.42 per month get quotes Call direct0330 057 1595
Initial rate: 1.54%
Rate type: Tracker Mar-2020
Monthly cost: £489.21 per month
Max LTV: 60%
Product fee: £1213.00
Overall cost for comparison: 4.3% APRC
Virgin Money logo 1.54% Tracker Mar-2020 4.3% APRC 60% £1213.00 £489.21 per month get quotes Call direct0330 057 1595
Initial rate: 1.59%
Rate type: Fixed Mar-2020
Monthly cost: £491.54 per month
Max LTV: 60%
Product fee: £1213.00
Overall cost for comparison: 4.3% APRC
Virgin Money logo 1.59% Fixed Mar-2020 4.3% APRC 60% £1213.00 £491.54 per month get quotes Call direct0330 057 1595
Initial rate: 1.69%
Rate type: Fixed Mar-2021
Monthly cost: £501.14 per month
Max LTV: 60%
Product fee: £2213.00
Overall cost for comparison: 4.2% APRC
Virgin Money logo 1.69% Fixed Mar-2021 4.2% APRC 60% £2213.00 £501.14 per month get quotes Call direct0330 057 1595
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
Initial rate: 1.88%
Rate type: Tracker Feb-2020
Monthly cost: £510.35 per month
Max LTV: 60%
Product fee: £2273.00
Overall cost for comparison: 3.8% APRC
Royal Bank Of Scotland logo 1.88% Tracker Feb-2020 3.8% APRC 60% £2273.00 £510.35 per month get quotes Call direct0800 096 7962
Initial rate: 1.88%
Rate type: Tracker Feb-2020
Monthly cost: £510.35 per month
Max LTV: 60%
Product fee: £2273.00
Overall cost for comparison: 4% APRC
Royal Bank Of Scotland logo 1.88% Tracker Feb-2020 4% APRC 60% £2273.00 £510.35 per month get quotes Call direct0800 096 7962
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: 4.2% APRC
NatWest logo 1.88% Tracker Feb-2020 4.2% APRC 60% £2273.00 £510.20 per month get quotes Call direct0800 056 8572
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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 80% LTV Mortgages

Buy to Let Mortgage Service - helping you make the right decision

Special features of what we offer include:

  • Whole of Market Service - we can compare 80% buy to let deals from most UK lenders
  • Top Rates - Access to leading buy to let market mortgage rates
  • Access to exclusive buy to let loan deals not available on high street
  • Fast Turnaround - speak to us today if you need to move quickly
  • We have lenders who will take into account previous defaults and missed payments. 
  • Looking to remortgage or raise additional finance on top of your existing buy to let mortgage? - we have access to a range of buy to let finance solutions

To investigate your buy to let mortgage options with 20% equity or deposit call our buy to let mortgage team on 0117 403 4222 or fill in our call back form.

buy to let 80% ltv mortgage

In today’s financial climate, buy to let mortgage lenders are beginning to require more security from customers. A 20% deposit is usually considered the minimum that lenders will require in order to get a loan at a reasonable rate; however this percentage may vary a great deal depending on the provider.

A 20% deposit for a buy to let mortgage may seem like quite a large sum at first, however, it should be remembered that buy to let agreements typically represent a much greater risk to lenders than a traditional mortgage. 80% LTV for most BTL lenders is the maximum allowed - only a few will go beyond this.

The level of interest charged will typically be higher at this level of borrowing. As such, financial institutions will require a reasonable level of security from customers before an agreement is made.

Due to the changes to the buy to let regulations in 2017, lenders will implement a stricter stress test that will require borrowers to show that they would still be able to make mortgage repayments in the event that the interest rates increase to 5.5%.

As a result of the 2017 changes, lenders will require a rental coverage ratio of 145% for standard buy to let properties and 170% for house in multiple occupation buy to let properties. This is to provide the lenders peace of mind that mortgage repayments will be made.

In addition, lenders will review a landlords property portfolios before granting a buy to let mortgage. If a lender finds that one or more of a landlord’s properties are not profitable, then they will not provide the buy to let mortgage. This means that you can no longer spread equity across your portfolio. 

Getting the best value 80% LTV buy to let mortgage deal

Repayments on a higher LTV buy to let mortgage will often be higher than those on a lower LTV mortgage, but there are some steps that be taken in order to reduce the cost of repayments.

For example, demonstrating to the provider that you have a reliable source of income may go some way to reducing these premiums. A good credit history, without any bad debts, missed payments or outstanding loans may also reduce the cost of your buy to let mortgage.

Why choose Fair Mortgages?

Our Buy to Let Mortgage Service can help you find the ideal Buy to Let mortgage – so all you have to do is find the right tenants.

Using a buy to let mortgage broker ensures you are provided a selection of the best fixed and tracker buy to let mortgage products available in the market. With Fair Mortgages you can:

  • Find the lowest mortgage rates from a range of leading buy to let providers
  • Get buy to let quotes and find the best one suitable for you
  • Get advice on repayment methods – depending on your circumstances you could choose to make your buy to let mortgage repayments on an interest-only or capital repayment basis.
  • Find advice on transferring your Buy to Let mortgage rate to another Buy to Let property.

For specialist buy to let mortgage advice call us on 0117 403 4222 or complete our request callback form.

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For Latest 80% LTV Buy To Let Deals Call Our Mortgage Team Or Request A Callback

Call us for a FREE initial conversation on 0117 403 4222 about your buy to let mortgage options or request a callback.

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