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 & Equity Release - Call Us 0117 403 4474

or Book Appointment

What is your mortgage for?

use mortgage calculator
 

5.04% 2 Year Fixed

  • 75% LTV Buy to Let Deal - Call now to secure
  • Overall cost for comparison 6.70%

Representative Example:

Mortgage of £120,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 2 years after then reverts to Barclays variable rate of 6.74%.

Call us on 0117 403 4222

get quotes

5.16% APR

  • Fixed 30/9/2027
  • Overall cost for comparison 4.50% APR

Representative Example:

Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Fixed rate until 30/9/2027 after then reverts to the Lender's variable rate of 6.74%.

Call us on 0117 403 4222

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparison Product fee Monthly cost Enquire
Initial rate: 3.94%
Rate type: 2 year fixed
Monthly cost: £591 per month
Product fee: £9,000
Overall cost for comparison: 8.3% APRC
Paragon logo 3.94% 2 year fixed 8.3% APRC £9,000 £591 per month get quotes Broker Only Deal
Initial rate: 3.99%
Rate type: 2 year fixed
Monthly cost: £598.5 per month
Product fee: £9,000
Overall cost for comparison: 8.3% APRC
Paragon logo 3.99% 2 year fixed 8.3% APRC £9,000 £598.5 per month get quotes Broker Only Deal
Initial rate: 4.19%
Rate type: 2 year fixed
Monthly cost: £628.5 per month
Product fee: £9,000
Overall cost for comparison: 8.4% APRC
Paragon logo 4.19% 2 year fixed 8.4% APRC £9,000 £628.5 per month get quotes Broker Only Deal
Initial rate: 4.65%
Rate type: 5 year fixed
Monthly cost: £697.5 per month
Product fee: £9,000
Overall cost for comparison: 7.5% APRC
Paragon logo 4.65% 5 year fixed 7.5% APRC £9,000 £697.5 per month get quotes Broker Only Deal
Initial rate: 4.70%
Rate type: 5 year fixed
Monthly cost: £705 per month
Product fee: £9,000
Overall cost for comparison: 7.5% APRC
Paragon logo 4.70% 5 year fixed 7.5% APRC £9,000 £705 per month get quotes Broker Only Deal
Initial rate: 4.85%
Rate type: 2 year fixed
Monthly cost: £727.5 per month
Product fee: £5,400
Overall cost for comparison: 8.3% APRC
Paragon logo 4.85% 2 year fixed 8.3% APRC £5,400 £727.5 per month get quotes Broker Only Deal
Initial rate: 4.89%
Rate type: 5 year fixed
Monthly cost: £733.5 per month
Product fee: £9,000
Overall cost for comparison: 7.6% APRC
Paragon logo 4.89% 5 year fixed 7.6% APRC £9,000 £733.5 per month get quotes Broker Only Deal
Initial rate: 4.90%
Rate type: 2 year fixed
Monthly cost: £735 per month
Product fee: £5,400
Overall cost for comparison: 8.3% APRC
Paragon logo 4.90% 2 year fixed 8.3% APRC £5,400 £735 per month get quotes Broker Only Deal
Initial rate: 4.90%
Rate type: 5 year fixed
Monthly cost: £735 per month
Product fee: £9,000
Overall cost for comparison: 7.6% APRC
Paragon logo 4.90% 5 year fixed 7.6% APRC £9,000 £735 per month get quotes Broker Only Deal
Initial rate: 4.94%
Rate type: 5 year fixed
Monthly cost: £741 per month
Product fee: £9,000
Overall cost for comparison: 7.6% APRC
Paragon logo 4.94% 5 year fixed 7.6% APRC £9,000 £741 per month get quotes Broker Only Deal
123

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

Paragon HMO mortgage

For those who want to potentially maximise the potential of their property, it may be worth exploring the option of an HMO (house in multiple occupation). To finance an HMO buy to let, you may need a substantial amount of funding and Paragon could be your best option.  If you are interested in a Paragon HMO mortgage, speak to use first to find out the best HMO mortgage available on the market.

Special features of what we offer include:

  • Whole of market service - we work with over 60 UK lenders including Paragon

  • Leading rates - Access to leading market mortgage rates

  • Exclusive deals - Access to exclusive 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 raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

What is an HMO

When a property is rented out to three or more people that are not in the same household but share facilities such as a bathroom or kitchen, this is known as an HMO.  If a property is rented out to five or more people, then this is classified as “large HMO”. 

It is important to bear in mind that it is a requirement for landlords to get a local council approved licence to have a large HMO. If you wish to get a large HMO licence, you should review the associated application costs.

Landlords may find an HMO an attractive opportunity, as rent can be charged by the room that may increase the overall return on the property.

Paragon HMO mortgage

If you require finance for an HMO property then Paragon may be the best option for you. The Paragon buy to let mortgage has a fixed term of 2 years with a competitive initial interest rate for 75% loan to value. You may be able to take advantage of the lower rate in the first 2 years by using your additional funds to cover costs of an HMO or another project. See our table above for the latest rates.

Our Services

We work with the majority of UK lenders, and have access to exclusive buy to let mortgage deals for HMOs that are not available on the high street, which means we can make the process of finding an HMO buy to let mortgage that bit easier.

To find more information about buy to let mortgages for HMOs, why not call us today on 0117 403 4474, or fill in our online contact form to request a call-back for a free initial consultation with one of our advisers.

house icon

Call 0117 403 4474 or Request 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

Buy to Let Mortgages

Buy to Let Mortgage Calculator

Case Study - Buy To Let Mortgage To Increase Property Portfolio

Case Study - Mortgage For Auction Property And Capital Raise For HMO

Case Study - Remortgage Of 4 Flats To Buy New Buy To Let Property

Buy to Let Mortgage Quotes

Case Study - Remortgage Buy To Let To Capital Raise

Case Study - Buy To Let Remortgage Of Flat

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

Fair Mortgages Limited is an appointed representative of Fair Investment Company Ltd which is authorised and regulated by the Financial Conduct Authority.