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

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

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.33%
Rate type: Fixed Oct-2019
Monthly cost: £482.01 per month
Max LTV: 60%
Product fee: £1990.00
Overall cost for comparison: 4.3% APRC
Post Office logo 1.33% Fixed Oct-2019 4.3% APRC 60% £1990.00 £482.01 per month get quotes Call direct0808 178 6813
Initial rate: 1.33%
Rate type: Fixed Oct-2019
Monthly cost: £482.01 per month
Max LTV: 60%
Product fee: £1990.00
Overall cost for comparison: 4.2% APRC
Post Office logo 1.33% Fixed Oct-2019 4.2% APRC 60% £1990.00 £482.01 per month get quotes Call direct0808 178 6813
Initial rate: 1.41%
Rate type: Fixed Oct-2019
Monthly cost: £485.71 per month
Max LTV: 60%
Product fee: £1720.00
Overall cost for comparison: 4.2% APRC
Post Office logo 1.41% Fixed Oct-2019 4.2% APRC 60% £1720.00 £485.71 per month get quotes Call direct0808 178 6813
Initial rate: 1.41%
Rate type: Fixed Oct-2019
Monthly cost: £485.71 per month
Max LTV: 60%
Product fee: £1720.00
Overall cost for comparison: 4.2% APRC
Post Office logo 1.41% Fixed Oct-2019 4.2% APRC 60% £1720.00 £485.71 per month get quotes Call direct0808 178 6813
Initial rate: 1.58%
Rate type: Fixed Oct-2019
Monthly cost: £491.22 per month
Max LTV: 60%
Product fee: £1220.00
Overall cost for comparison: 4.2% APRC
Post Office logo 1.58% Fixed Oct-2019 4.2% APRC 60% £1220.00 £491.22 per month get quotes Call direct0808 178 6813
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

Let to buy mortgages

Fair Mortgages Let to Buy Mortgage Service

Special features of what we offer include:

  • Whole of market service - we can compare let to buy deals from most UK lenders
  • Latest Deals - Access to leading btl market mortgage rates
  • Exclusive 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
  • Specialist Lenders - We have lenders who will consider adverse credit, complex income, unusual properties, lending in retirement, short term finance.

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

You can call our mortgage broker team to discusss your let to buy requirements on 0117 313 7780 or request a callback. 

let to buy mortgages

Let to buy mortgages

Whether you need to temporarily move due to work and you don’t want to sell your home, or the area your home is located in is currently experiencing a housing slump, let to buy mortgages could present the solution for you.

Let to buy commonly refers to a method where a borrower remortgages their home to a ‘buy to let’ or a specialist ‘let to buy’ mortgage, and uses the capital raised from the remortgage for a deposit on a new property they intend to live, meaning they two mortgages and two properties.

As most residential mortgages stipulate that the property cannot be let out to tenants, borrowers normally need to remortgage to a Buy to let or ‘let to buy’ mortgage, some lenders do offer ‘consent to let’ agreements but these are only designed to be temporary solutions for mortgage holders who need  to rent out their property, and doing so would not be suitable if you need to raise capital for the deposit of your new home.

A select number of lenders offer specialist ‘let to buy’ mortgages specifically for this purpose, buy to let and let to buy mortgages tend to have stricter lending criteria than homebuyer finance, as such you may need to currently own at least 20-25% of the equity in your current home, or be able to purchase more when you remortgage, this is because buy to let mortgages tend to offer a maximum Loan to Value of around 70-75%.  The lender may also require a professional rental valuation of your home to ensure that the monthly rental yield will be at least 125% of what the monthly mortgage payments would be.

Before taking out a buy to let

Becoming a landlord is not right for everyone; you should therefore carefully consider the implications of let to buy before you engage in the process and think about things such as whether you want to manage the property and find tenants yourself or if you feel it would be better to pay a letting agent to do so for you.

If you are considering let to buy you could benefit from speaking to a professional and independent mortgage adviser, not only can they give you impartial advice, but an adviser who offers a whole of market service can use their expert knowledge of the market to search across lenders and try to find the products best suited to your specific circumstances.

Fair Mortgages

Fair Mortgages offers an independent mortgage advisory service, as a whole of market adviser we can search across multiple providers to try and find the best deals available and can access specialist mortgages from lenders off of the high street which can only be applied for via an intermediary, if you want to find out if Fair Mortgages could help you with let to buy, why not fill in our online contact form to request a call back for a free initial consultation from one of our advisers? Alternatively you can contact us directly by calling: 0117 313 7780

house icon

Call us on 0117 313 7780 or Request a Callback to discuss your mortgage options

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 Mortgages