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Buy To Let Mortgage Hotline - Call 0117 403 4474

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5 Year Fixed Rate Buy To Let Mortgages

Compare 5 year fixed rate buy to let mortgage rates

See below for latest market leading buy to let deals or use our independent buy to let mortgage advice service to compare the market.

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparison Product fee Monthly cost Enquire
Initial rate: 5.19%
Rate type: 10 year fixed
Monthly cost: £1072.28 per month
Product fee: £995
Overall cost for comparison: 6.7% APRC
Virgin Money logo 5.19% 10 year fixed 6.7% APRC £995 £500 cashback £1072.28 per month get quotes Broker Only Deal

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.



5 Year Fixed Rate Buy To Let Mortgages

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Our Buy to Let Mortgage Service

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

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 5 year rates and other buy to let market rates 

  • Exclusives - Access to exclusive buy to let mortgage deals not available on the 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 5 year fixed buy to let mortgage options, call our specialist team or fill in our call back form. 

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5 Year Fixed Rate Buy To Let Mortgages

Buy to let mortgage tax rule changes

From 2017, landlords can no longer deduct the financial cost of their buy to let properties when calculating their profit from the financial year. This has had an adverse effect on landlords’ tax bills all over the country.

However, the new rules do not apply to limited companies. This has led to an increasing number of landlords looking to set up their own limited company for their buy to let properties, as a way to avoid the 2017 tax rules. It must be noted that there are some associated costs that come with setting up a limited company that should be considered.

In order to counter the effect of the new tax rules, landlords need to reduce their outgoings. Finding the best mortgage rates may be one of the most efficient ways to reduce the cost of their buy to let properties.

Regulation changes

From 2017, additional changes to the buy to let regulations will be implemented. These changes may make it tougher for landlords looking to secure buy to let mortgages.

Prior to the 2017 changes, landlords only needed a rental coverage ratio of 125% to secure a buy to let mortgage. Lenders now require landlords to have a rental coverage ratio of 145% for a standard buy to let property and 170% for a house in multiple occupation.

Previously, landlords had the ability to spread equity across their property portfolios as a way of securing a buy to let mortgage. Lenders will not look at properties in isolation anymore; instead they will now review the landlord’s entire property portfolio to ensure all of their properties are profitable. If one or more of a landlord’s properties are not profitable, then a lender will not provide a buy to let mortgage.

Before the changes to the regulations, lenders applied a stress test to consider the landlord’s affordability. Lenders now will implement a stricter stress test that requires landlords to illustrate that they can afford mortgage repayments if the interest increases to 5.5%.

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.


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