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COMPARE 1000S OF Buy to Let MORTGAGE RATES

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The Mortgage Works
Max LTV 65%:
Fixed to 31/05/26
Initial rate
3.69%
then 8.49% (variable)
Monthly repayments
£639
Scheme fees
£4,389
Annual cost
£9,858
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 31/05/26
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.69% and then on a variable rate of 8.49% for the remaining 23 years would require 24 payments of £638 and 276 payments of £979. The total amount payable would be £289,905 made up of the loan amount plus interest (£160,516) and fees (£4,389). The overall cost for comparison is 7.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/05/26
Initial rate
3.79%
then 8.99% (variable)
Monthly repayments
£645
Scheme fees
£4,389
Annual cost
£9,939
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 31/05/26
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.79% and then on a variable rate of 8.99% for the remaining 23 years would require 24 payments of £645 and 276 payments of £1,019. The total amount payable would be £301,113 made up of the loan amount plus interest (£171,724) and fees (£4,389). The overall cost for comparison is 8.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 8.3% APRC
?
0808 292 0724
Landbay
Max LTV 55%:
Fixed for 2 years
Initial rate
3.84%
then 8.74% (variable)
Monthly repayments
£649
Scheme fees
£8,313
Annual cost
£11,942
Fees and charges
Booking fee £0
Arrangement fee £7,500
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £126
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.84% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £648 and 276 payments of £1,000. The total amount payable would be £299,865 made up of the loan amount plus interest (£166,552) and fees (£8,313). The overall cost for comparison is 8.3% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 8.3% APRC
?
0808 292 0724
State Bank of India
Max LTV 50%:
Fixed for 2 years
Initial rate
3.90%
then 7.50% (variable)
Monthly repayments
£653
Scheme fees
£6,249
Annual cost
£10,959
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.90% and then on a variable rate of 7.50% for the remaining 23 years would require 24 payments of £652 and 276 payments of £904. The total amount payable would be £271,401 made up of the loan amount plus interest (£140,152) and fees (£6,249). The overall cost for comparison is 7.2% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 7.2% APRC
?
0808 292 0724
Landbay
Max LTV 65%:
Fixed for 2 years
Initial rate
3.94%
then 8.74% (variable)
Monthly repayments
£656
Scheme fees
£8,313
Annual cost
£12,024
Fees and charges
Booking fee £0
Arrangement fee £7,500
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £126
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.94% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £655 and 276 payments of £1,000. The total amount payable would be £300,033 made up of the loan amount plus interest (£166,720) and fees (£8,313). The overall cost for comparison is 8.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 8.3% APRC
?
0808 292 0724
State Bank of India
Max LTV 65%:
Fixed for 2 years
Initial rate
3.95%
then 7.50% (variable)
Monthly repayments
£656
Scheme fees
£6,249
Annual cost
£11,001
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.95% and then on a variable rate of 7.50% for the remaining 23 years would require 24 payments of £656 and 276 payments of £905. The total amount payable would be £271,773 made up of the loan amount plus interest (£140,524) and fees (£6,249). The overall cost for comparison is 7.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.2% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/08/26
Initial rate
3.97%
then 9.69% (variable)
Monthly repayments
£658
Scheme fees
£3,750
Annual cost
£9,768
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% until 01/08/26
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.97% and then on a variable rate of 9.69% for the remaining 23 years would require 24 payments of £657 and 276 payments of £1,077. The total amount payable would be £316,770 made up of the loan amount plus interest (£188,020) and fees (£3,750). The overall cost for comparison is 8.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 8.9% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 55%:
Fixed to 31/05/29
Initial rate
3.99%
then 8.49% (variable)
Monthly repayments
£659
Scheme fees
£4,389
Annual cost
£8,787
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 3.99% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £659 and 240 payments of £944. The total amount payable would be £270,489 made up of the loan amount plus interest (£141,100) and fees (£4,389). The overall cost for comparison is 6.8% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
0808 292 0724
Paragon
Max LTV 70%:
Fixed for 2 years
Initial rate
3.99%
then 8.35% (variable)
Monthly repayments
£659
Scheme fees
£6,848
Annual cost
£11,333
Fees and charges
Booking fee £299
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.99% and then on a variable rate of 8.35% for the remaining 23 years would require 24 payments of £659 and 276 payments of £970. The total amount payable would be £290,384 made up of the loan amount plus interest (£158,536) and fees (£6,848). The overall cost for comparison is 7.9% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0808 292 0724
Metro
Max LTV 65%:
Fixed for 2 years
Initial rate
3.99%
then 9.25% (variable)
Monthly repayments
£659
Scheme fees
£6,729
Annual cost
£11,274
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £180
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.99% and then on a variable rate of 9.25% for the remaining 23 years would require 24 payments of £659 and 276 payments of £1,041. The total amount payable would be £309,861 made up of the loan amount plus interest (£178,132) and fees (£6,729). The overall cost for comparison is 8.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 8.7% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/05/26
Initial rate
3.99%
then 8.49% (variable)
Monthly repayments
£659
Scheme fees
£3,750
Annual cost
£9,784
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 31/05/26
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.99% and then on a variable rate of 8.49% for the remaining 23 years would require 24 payments of £659 and 276 payments of £981. The total amount payable would be £290,322 made up of the loan amount plus interest (£161,572) and fees (£3,750). The overall cost for comparison is 7.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/05/29
Initial rate
4.04%
then 8.49% (variable)
Monthly repayments
£663
Scheme fees
£4,389
Annual cost
£8,829
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.04% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £662 and 240 payments of £944. The total amount payable would be £270,669 made up of the loan amount plus interest (£141,280) and fees (£4,389). The overall cost for comparison is 6.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0808 292 0724
State Bank of India
Max LTV 70%:
Fixed for 2 years
Initial rate
4.05%
then 7.50% (variable)
Monthly repayments
£663
Scheme fees
£6,249
Annual cost
£11,084
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.05% and then on a variable rate of 7.50% for the remaining 23 years would require 24 payments of £663 and 276 payments of £905. The total amount payable would be £271,941 made up of the loan amount plus interest (£140,692) and fees (£6,249). The overall cost for comparison is 7.3% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0808 292 0724
Landbay
Max LTV 75%:
Fixed for 2 years
Initial rate
4.09%
then 8.74% (variable)
Monthly repayments
£666
Scheme fees
£8,313
Annual cost
£12,149
Fees and charges
Booking fee £0
Arrangement fee £7,500
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £126
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.09% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £666 and 276 payments of £1,001. The total amount payable would be £300,573 made up of the loan amount plus interest (£167,260) and fees (£8,313). The overall cost for comparison is 8.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 8.4% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 55%:
Fixed to 31/05/29
Initial rate
4.09%
then 8.49% (variable)
Monthly repayments
£666
Scheme fees
£3,750
Annual cost
£8,742
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.09% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £666 and 240 payments of £945. The total amount payable would be £270,510 made up of the loan amount plus interest (£141,760) and fees (£3,750). The overall cost for comparison is 6.9% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/08/29
Initial rate
4.09%
then 9.69% (variable)
Monthly repayments
£666
Scheme fees
£3,750
Annual cost
£8,742
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.09% and then on a variable rate of 9.69% for the remaining 20 years would require 60 payments of £666 and 240 payments of £1,030. The total amount payable would be £290,910 made up of the loan amount plus interest (£162,160) and fees (£3,750). The overall cost for comparison is 7.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.6% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/05/29
Initial rate
4.14%
then 8.49% (variable)
Monthly repayments
£670
Scheme fees
£3,750
Annual cost
£8,784
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.14% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £669 and 240 payments of £946. The total amount payable would be £270,930 made up of the loan amount plus interest (£142,180) and fees (£3,750). The overall cost for comparison is 6.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.14%
then 8.99% (variable)
Monthly repayments
£670
Scheme fees
£4,389
Annual cost
£8,912
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.14% and then on a variable rate of 8.99% for the remaining 20 years would require 60 payments of £669 and 240 payments of £981. The total amount payable would be £279,969 made up of the loan amount plus interest (£150,580) and fees (£4,389). The overall cost for comparison is 7.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.2% APRC
?
0808 292 0724
Virgin Money
Max LTV 75%:
Fixed to 01/08/26
Initial rate
4.17%
then 9.69% (variable)
Monthly repayments
£672
Scheme fees
£3,750
Annual cost
£9,934
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% until 01/08/26
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.17% and then on a variable rate of 9.69% for the remaining 23 years would require 24 payments of £671 and 276 payments of £1,078. The total amount payable would be £317,382 made up of the loan amount plus interest (£188,632) and fees (£3,750). The overall cost for comparison is 8.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 8.9% APRC
?
0808 292 0724
Metro
Max LTV 75%:
Fixed for 2 years
Initial rate
4.19%
then 9.25% (variable)
Monthly repayments
£673
Scheme fees
£6,729
Annual cost
£11,440
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £180
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.19% and then on a variable rate of 9.25% for the remaining 23 years would require 24 payments of £672 and 276 payments of £1,043. The total amount payable would be £310,725 made up of the loan amount plus interest (£178,996) and fees (£6,729). The overall cost for comparison is 8.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 8.7% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/05/26
Initial rate
4.19%
then 8.99% (variable)
Monthly repayments
£673
Scheme fees
£3,750
Annual cost
£9,951
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 31/05/26
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.19% and then on a variable rate of 8.99% for the remaining 23 years would require 24 payments of £672 and 276 payments of £1,022. The total amount payable would be £301,950 made up of the loan amount plus interest (£173,200) and fees (£3,750). The overall cost for comparison is 8.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 8.4% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.24%
then 8.99% (variable)
Monthly repayments
£676
Scheme fees
£3,750
Annual cost
£8,868
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.24% and then on a variable rate of 8.99% for the remaining 20 years would require 60 payments of £676 and 240 payments of £983. The total amount payable would be £280,230 made up of the loan amount plus interest (£151,480) and fees (£3,750). The overall cost for comparison is 7.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.2% APRC
?
0808 292 0724
HSBC
Max LTV 60%:
Fixed to 31/07/29
Initial rate
4.32%
then 7.60% (variable)
Monthly repayments
£682
Scheme fees
£1,999
Annual cost
£8,585
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.32% and then on a variable rate of 7.60% for the remaining 20 years would require 60 payments of £682 and 240 payments of £888. The total amount payable would be £256,039 made up of the loan amount plus interest (£129,040) and fees (£1,999). The overall cost for comparison is 6.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.3% APRC
?
0808 292 0724
Landbay
Max LTV 55%:
Fixed for 2 years
Initial rate
4.34%
then 8.74% (variable)
Monthly repayments
£683
Scheme fees
£7,063
Annual cost
£11,733
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £126
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.34% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £683 and 276 payments of £1,003. The total amount payable would be £300,283 made up of the loan amount plus interest (£168,220) and fees (£7,063). The overall cost for comparison is 8.3% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 8.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 55%:
Fixed to 31/05/29
Initial rate
4.34%
then 8.49% (variable)
Monthly repayments
£683
Scheme fees
£4,634
Annual cost
£9,129
Fees and charges
Booking fee £0
Arrangement fee £3,995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.34% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £683 and 240 payments of £949. The total amount payable would be £273,374 made up of the loan amount plus interest (£143,740) and fees (£4,634). The overall cost for comparison is 7.0% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
BM Solutions
Max LTV 65%:
Fixed to 30/06/29
Initial rate
4.35%
then 9.59% (variable)
Monthly repayments
£684
Scheme fees
£3,998
Annual cost
£9,010
Fees and charges
Booking fee £0
Arrangement fee £3,999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.35% and then on a variable rate of 9.59% for the remaining 20 years would require 60 payments of £684 and 240 payments of £1,027. The total amount payable would be £291,518 made up of the loan amount plus interest (£162,520) and fees (£3,998). The overall cost for comparison is 7.6% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.6% APRC
?
0808 292 0724
Santander
Max LTV 60%:
Fixed to 02/09/29
Initial rate
4.35%
then 7.50% (variable)
Monthly repayments
£684
Scheme fees
£1,798
Annual cost
£8,570
Fees and charges
Booking fee £0
Arrangement fee £1,749
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 02/09/29
Other info
Exit fee £225
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.35% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £684 and 240 payments of £882. The total amount payable would be £254,518 made up of the loan amount plus interest (£127,720) and fees (£1,798). The overall cost for comparison is 6.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.3% APRC
?
0808 292 0724
Leeds
Max LTV 60%:
Fixed to 31/07/29
Initial rate
4.39%
then 8.54% (variable)
Monthly repayments
£687
Scheme fees
£1,499
Annual cost
£8,544
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/07/29
Other info
Exit fee £199
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.39% and then on a variable rate of 8.54% for the remaining 20 years would require 60 payments of £687 and 240 payments of £954. The total amount payable would be £271,679 made up of the loan amount plus interest (£145,180) and fees (£1,499). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0808 292 0724
Keystone
Max LTV 65%:
Fixed for 2 years
Initial rate
4.39%
then 10.24% (variable)
Monthly repayments
£687
Scheme fees
£7,819
Annual cost
£12,154
Fees and charges
Booking fee £175
Arrangement fee £6,875
Valuation fee £470
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.39% and then on a variable rate of 10.24% for the remaining 23 years would require 24 payments of £687 and 276 payments of £1,125. The total amount payable would be £334,807 made up of the loan amount plus interest (£201,988) and fees (£7,819). The overall cost for comparison is 9.6% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 9.6% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 55%:
Fixed to 31/05/29
Initial rate
4.39%
then 8.49% (variable)
Monthly repayments
£687
Scheme fees
£3,995
Annual cost
£9,043
Fees and charges
Booking fee £0
Arrangement fee £3,995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.39% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £687 and 240 payments of £950. The total amount payable would be £273,215 made up of the loan amount plus interest (£144,220) and fees (£3,995). The overall cost for comparison is 7.0% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
TSB
Max LTV 60%:
Fixed to 31/07/29
Initial rate
4.39%
then 9.59% (variable)
Monthly repayments
£687
Scheme fees
£1,994
Annual cost
£8,643
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.39% and then on a variable rate of 9.59% for the remaining 20 years would require 60 payments of £687 and 240 payments of £1,028. The total amount payable would be £289,934 made up of the loan amount plus interest (£162,940) and fees (£1,994). The overall cost for comparison is 7.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.5% APRC
?
0808 292 0724
HSBC
Max LTV 65%:
Fixed to 31/07/29
Initial rate
4.42%
then 7.60% (variable)
Monthly repayments
£689
Scheme fees
£1,999
Annual cost
£8,669
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.42% and then on a variable rate of 7.60% for the remaining 20 years would require 60 payments of £689 and 240 payments of £890. The total amount payable would be £256,939 made up of the loan amount plus interest (£129,940) and fees (£1,999). The overall cost for comparison is 6.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 6.4% APRC
?
0808 292 0724
Landbay
Max LTV 65%:
Fixed for 2 years
Initial rate
4.44%
then 8.74% (variable)
Monthly repayments
£691
Scheme fees
£7,063
Annual cost
£11,818
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £126
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.44% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £690 and 276 payments of £1,004. The total amount payable would be £300,727 made up of the loan amount plus interest (£168,664) and fees (£7,063). The overall cost for comparison is 8.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 8.4% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 55%:
Fixed to 31/05/29
Initial rate
4.44%
then 8.49% (variable)
Monthly repayments
£691
Scheme fees
£2,134
Annual cost
£8,713
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.44% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £690 and 240 payments of £951. The total amount payable would be £271,774 made up of the loan amount plus interest (£144,640) and fees (£2,134). The overall cost for comparison is 6.9% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/05/29
Initial rate
4.44%
then 8.49% (variable)
Monthly repayments
£691
Scheme fees
£4,634
Annual cost
£9,213
Fees and charges
Booking fee £0
Arrangement fee £3,995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.44% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £690 and 240 payments of £951. The total amount payable would be £274,274 made up of the loan amount plus interest (£144,640) and fees (£4,634). The overall cost for comparison is 7.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.44%
then 8.99% (variable)
Monthly repayments
£691
Scheme fees
£4,634
Annual cost
£9,213
Fees and charges
Booking fee £0
Arrangement fee £3,995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.44% and then on a variable rate of 8.99% for the remaining 20 years would require 60 payments of £690 and 240 payments of £986. The total amount payable would be £282,674 made up of the loan amount plus interest (£153,040) and fees (£4,634). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0808 292 0724
HSBC
Max LTV 75%:
Fixed to 31/07/29
Initial rate
4.45%
then 7.60% (variable)
Monthly repayments
£691
Scheme fees
£1,999
Annual cost
£8,695
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.45% and then on a variable rate of 7.60% for the remaining 20 years would require 60 payments of £691 and 240 payments of £890. The total amount payable would be £257,059 made up of the loan amount plus interest (£130,060) and fees (£1,999). The overall cost for comparison is 6.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.4% APRC
?
0808 292 0724
BM Solutions
Max LTV 65%:
Fixed to 30/06/26
Initial rate
4.48%
then 9.59% (variable)
Monthly repayments
£693
Scheme fees
£3,998
Annual cost
£10,319
Fees and charges
Booking fee £0
Arrangement fee £3,999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/06/26
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.48% and then on a variable rate of 9.59% for the remaining 23 years would require 24 payments of £693 and 276 payments of £1,072. The total amount payable would be £316,502 made up of the loan amount plus interest (£187,504) and fees (£3,998). The overall cost for comparison is 8.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 8.9% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 55%:
Fixed to 31/05/29
Initial rate
4.49%
then 8.49% (variable)
Monthly repayments
£694
Scheme fees
£1,495
Annual cost
£8,628
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £694 and 240 payments of £952. The total amount payable would be £271,615 made up of the loan amount plus interest (£145,120) and fees (£1,495). The overall cost for comparison is 6.9% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/05/29
Initial rate
4.49%
then 8.49% (variable)
Monthly repayments
£694
Scheme fees
£3,995
Annual cost
£9,128
Fees and charges
Booking fee £0
Arrangement fee £3,995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £694 and 240 payments of £952. The total amount payable would be £274,115 made up of the loan amount plus interest (£145,120) and fees (£3,995). The overall cost for comparison is 7.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.49%
then 8.99% (variable)
Monthly repayments
£694
Scheme fees
£3,995
Annual cost
£9,128
Fees and charges
Booking fee £0
Arrangement fee £3,995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 8.99% for the remaining 20 years would require 60 payments of £694 and 240 payments of £987. The total amount payable would be £282,515 made up of the loan amount plus interest (£153,520) and fees (£3,995). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0808 292 0724
TSB
Max LTV 75%:
Fixed to 31/07/29
Initial rate
4.49%
then 9.59% (variable)
Monthly repayments
£694
Scheme fees
£1,994
Annual cost
£8,728
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 9.59% for the remaining 20 years would require 60 payments of £694 and 240 payments of £1,029. The total amount payable would be £290,594 made up of the loan amount plus interest (£163,600) and fees (£1,994). The overall cost for comparison is 7.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.6% APRC
?
0808 292 0724
Santander
Max LTV 75%:
Fixed to 02/09/29
Initial rate
4.49%
then 7.50% (variable)
Monthly repayments
£694
Scheme fees
£1,798
Annual cost
£8,689
Fees and charges
Booking fee £0
Arrangement fee £1,749
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 02/09/29
Other info
Exit fee £225
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £694 and 240 payments of £884. The total amount payable would be £255,598 made up of the loan amount plus interest (£128,800) and fees (£1,798). The overall cost for comparison is 6.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.3% APRC
?
0808 292 0724
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.49%
then 8.24% (variable)
Monthly repayments
£694
Scheme fees
£3,499
Annual cost
£9,029
Fees and charges
Booking fee £0
Arrangement fee £3,499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £694 and 240 payments of £934. The total amount payable would be £269,299 made up of the loan amount plus interest (£140,800) and fees (£3,499). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
0808 292 0724
BM Solutions
Max LTV 75%:
Fixed to 30/06/29
Initial rate
4.51%
then 9.59% (variable)
Monthly repayments
£696
Scheme fees
£3,998
Annual cost
£9,146
Fees and charges
Booking fee £0
Arrangement fee £3,999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.51% and then on a variable rate of 9.59% for the remaining 20 years would require 60 payments of £695 and 240 payments of £1,030. The total amount payable would be £292,898 made up of the loan amount plus interest (£163,900) and fees (£3,998). The overall cost for comparison is 7.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.7% APRC
?
0808 292 0724
BM Solutions
Max LTV 65%:
Fixed to 30/06/29
Initial rate
4.52%
then 9.59% (variable)
Monthly repayments
£696
Scheme fees
£1,498
Annual cost
£8,654
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.52% and then on a variable rate of 9.59% for the remaining 20 years would require 60 payments of £696 and 240 payments of £1,030. The total amount payable would be £290,458 made up of the loan amount plus interest (£163,960) and fees (£1,498). The overall cost for comparison is 7.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.5% APRC
?
0808 292 0724
Leeds
Max LTV 60%:
Fixed to 31/07/29
Initial rate
4.52%
then 8.54% (variable)
Monthly repayments
£696
Scheme fees
£999
Annual cost
£8,554
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/07/29
Other info
Exit fee £199
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.52% and then on a variable rate of 8.54% for the remaining 20 years would require 60 payments of £696 and 240 payments of £956. The total amount payable would be £272,199 made up of the loan amount plus interest (£146,200) and fees (£999). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/08/29
Initial rate
4.52%
then 9.69% (variable)
Monthly repayments
£696
Scheme fees
£1,250
Annual cost
£8,605
Fees and charges
Booking fee £0
Arrangement fee £1,250
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.52% and then on a variable rate of 9.69% for the remaining 20 years would require 60 payments of £696 and 240 payments of £1,037. The total amount payable would be £291,890 made up of the loan amount plus interest (£165,640) and fees (£1,250). The overall cost for comparison is 7.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.6% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 55%:
Fixed to 31/05/29
Initial rate
4.54%
then 8.49% (variable)
Monthly repayments
£698
Scheme fees
£639
Annual cost
£8,499
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.54% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £697 and 240 payments of £953. The total amount payable would be £271,179 made up of the loan amount plus interest (£145,540) and fees (£639). The overall cost for comparison is 6.9% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0808 292 0724
Landbay
Max LTV 70%:
Fixed for 5 years
Initial rate
4.54%
then 8.74% (variable)
Monthly repayments
£698
Scheme fees
£9,563
Annual cost
£10,284
Fees and charges
Booking fee £0
Arrangement fee £8,750
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
5% reducing to 2% for 5 years
Other info
Exit fee £126
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.54% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £697 and 240 payments of £970. The total amount payable would be £284,183 made up of the loan amount plus interest (£149,620) and fees (£9,563). The overall cost for comparison is 7.5% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.5% APRC
?
0808 292 0724
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When compiling our Buy to Let best buy tables we compare the best Buy to Let mortgage rates from across the UK market, including deals that are exclusive to us. It's important to remember that the best Buy to Let mortgage deals are not necessarily about getting the lowest mortgage rate possible, you also need to take into account all the fees and charges associated in setting up your new mortgage deal.

By choosing L&C to find your next Buy to Let mortgage deal our advisers will research the market for you, looking at criteria, set up fees and the rate to help you compare the best Buy to Let mortgage deal for your circumstances, saving you time and effort. Our best buy tables above show you the Buy to Let mortgage deals currently available, both fixed rates and variable rates, whether you are looking to purchase or remortgage to a better deal.

After taking out a Buy to Let mortgage or another financial product, 93% of L&C customers would recommend us based on 1465 Reviews.co.uk respondents. Read our reviews

Getting the right Buy to Let mortgage deal

Buy to Let mortgages are designed for people who want to buy a property and rent it out rather than live in it themselves.

Despite changes which restrict Buy to Let tax relief for landlords, and a stamp duty surcharge on Buy to Let properties, many people still see renting out property as an attractive way to generate an income. Current low interest rates mean that there are plenty of competitive Buy to Let mortgage deals to choose from.

You can’t apply for a standard residential mortgage on a property that you let out as a landlord. If you already have a residential mortgage on the property you want to let out you should talk to your lender about switching to a landlord mortgage, or seek advice from a Buy to Let mortgage broker if you are buying a new property to let out.

Here, we explain everything you need to help you find the best deal.

In this guide

Why apply for a Buy to Let mortgage with L&C?

Applying for a Buy to Let mortgage with L&C can save you time, hassle and money.

  • Our online Mortgage Finder has been designed for both desktop and mobile devices, making it possible for you to start your Buy to Let mortgage journey whether you’re at home or on the go
  • Answer a few questions online or over the phone and we’ll let you know which deals you’re eligible for – no need for a credit check
  • You can compare Buy to Let deals from a wide range of high street and specialist lenders, and can filter your options by indicating whether you want to go for a fixed or a variable Buy to Let deal, and how long you want your deal to last
  • Work out how much you can borrow and how much rent you might charge using our handy Buy to Let mortgage calculators
  • You can track your Buy to Let mortgage application online 24/7. We’ll appoint a dedicated case manager to do all the legwork for you
  • Our advice won’t cost you a penny. Like all brokers we’ll receive a payment from the lender when your Buy to Let mortgage completes – but unlike most other brokers, we won’t charge you a fee on top of this. You’ll pay no more applying through us than you would going directly to the lender on the same deal.

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Who can get a Buy to Let mortgage?

As well as checking your rental income is sufficient, lenders will have other criteria you need to meet before they’ll offer you a Buy to Let mortgage. Buy to Let mortgages can be more risky for lenders so they tend to have stricter eligibility requirements than for residential mortgages.

  • Many lenders have a minimum income requirement, which is often £25,000 a year
  • You must typically be over the age of 21
  • Some lenders will also impose upper age limits too. They may require, for example, that you will be no older than 85 at the end of the mortgage term
  • It’s possible to get a Buy to Let mortgage if you’re a first time buyer landlord, but your mortgage choices are likely to be restricted. Lenders will usually prefer you to be a homeowner.

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Find the best Buy to Let mortgage rates and deals

There are four main steps to follow when finding the best Buy to Let mortgage deals.

Step 1

Find out how much you can borrow. Think about your budget including how much deposit you can afford to put down. Use our Buy to Let mortgage calculator if you need help.

Step 2

Use our rent calculator to work out how much rent you might charge. It uses industry data to look at the typical rent you might expect depending on the postcode.

Step 3

Think about what type of Buy to Let mortgage deal you want. For example, if budgeting certainty is a priority, you might prefer a fixed rate Buy to Let mortgage, whereas if you’re comfortable with fluctuating monthly payments, you might prefer a variable rate mortgage.

Step 4

Compare Buy to Let mortgage deals using our online Mortgage Finder tool.

Simply enter a few details and we'll show you the Buy to Let deals from across the market that you're likely to qualify for, and how much they'll cost.

You can narrow your selection down by indicating whether you want to go for a fixed or a variable Buy to Let deal, and how long you want your deal to last.

Choosing the best mortgage for you can be tricky – that’s where L&C can help. Speak to one of our expert mortgage advisers or complete our Mortgage Finder and we’ll recommend the best deal for your circumstances.

Our lines are open 7 days a week, Mon-Fri 9am-8pm, Sat 9am-5pm and Sun 10am-4pm

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Buy to Let FAQs

What is a Buy to Let mortgage?

A Buy to Let mortgage is the type of mortgage you’ll need if you’re purchasing a property to rent out to a tenant. The amount you can borrow with a Buy to Let mortgage is mainly based on the rental income that the property is likely to bring in, whereas with a standard mortgage, lenders will look at your salary and outgoings. Find out more about how Buy to Let mortgages work.

You’ll typically need a deposit of around 25% of the property value to apply for a Buy to Let mortgage. However, some lenders will accept smaller deposits of around 15%, provided you can demonstrate the rental income is sufficient. Bear in mind that the bigger the deposit you can afford the better the mortgage rates you’re likely to get.

Buy to Let mortgage payments are calculated using the amount borrowed, the interest rate you will pay and the term of your mortgage. You can use our mortgage calculator to crunch the numbers and see what your monthly payments could be. Buy to Let mortgages are often arranged on an interest only basis, which mean the monthly payments will only cover the interest on the mortgage. It’s vital to work out how you’ll repay the capital, as this must be paid in full when the mortgage term ends.

No, Buy to Let mortgage rates are usually higher than standard residential mortgage rates. This is because lending on an investment property is considered a higher risk than lending to owner-occupiers.

When deciding whether you can afford a Buy to Let mortgage, you’ll need to consider not only whether you have enough savings to cover the deposit and any fees, but also how you’d cope if there were void periods. These are the times when your property isn’t let out and you must cover the mortgage payments yourself. Our Buy to Let calculator can help you find out how much your monthly mortgage payments are going to set you back.

There are several costs you’ll need to factor in if you’re considering becoming a landlord. For example, you’ll usually have letting and management fees to pay as well as accountant and legal fees. As the landlord, you’ll also be responsible for the cost of property repairs and maintenance, plus any ground rent, water rates and buildings insurance. Remember too that any rental income you earn from renting your property will be liable for income tax. Learn more about some of the things you'll need to think about when Buying to Let.

There’s no fixed minimum or maximum amount you can borrow with a Buy to Let mortgage, although specific products may have specific loan sizes, so make sure you check before you apply.

Yes, you can apply for a Buy to Let mortgage in a limited company name. If you’re setting up a limited company specifically to purchase a Buy to Let property you should seek professional tax advice to help you decide whether this is the best course of action to take based on your individual circumstances.

Most lenders will typically allow you to overpay up to 10% of your mortgage capital each year without penalty. However, this can vary depending on the lender and the product you’ve chosen, so you’ll need to check the rules of your specific deal before you overpay.

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Remortgage deals
First time buyer deals
Moving home deals
Buy to Let deals
Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.
Representative example A mortgage of £218,181 payable over 24 years, initially on a fixed rate until 31/07/26 at 4.71% and then on a variable rate of 6.99% for the remaining 22 years would require 27 payments of £1,266.09 followed by 261 payments of £1,541.62. The total amount payable would be £437,546 made up of the loan amount plus interest (£218,366) and fees (£999). The overall cost for comparison is 6.7% APRC representative.
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