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COMPARE 1000S OF Buy to Let MORTGAGE RATES

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The Mortgage Works
Max LTV 65%:
Fixed to 31/03/24
Initial rate
0.99%
then 4.74% (variable)
Monthly repayments
£471
Scheme fees
£2,840
Annual cost
£7,066
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 0.99% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £470 and 276 payments of £691. The total amount payable would be £204,836 made up of the loan amount plus interest (£76,996) and fees (£2,840). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/03/24
Initial rate
1.14%
then 5.24% (variable)
Monthly repayments
£479
Scheme fees
£2,840
Annual cost
£7,169
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.14% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £479 and 276 payments of £725. The total amount payable would be £214,436 made up of the loan amount plus interest (£86,596) and fees (£2,840). The overall cost for comparison is 4.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/03/24
Initial rate
1.24%
then 4.74% (variable)
Monthly repayments
£485
Scheme fees
£2,335
Annual cost
£6,985
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £484 and 276 payments of £693. The total amount payable would be £205,219 made up of the loan amount plus interest (£77,884) and fees (£2,335). The overall cost for comparison is 4.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
0808 292 0724
Santander
Max LTV 60%:
Fixed to 02/05/24
Initial rate
1.29%
then 3.50% (variable)
Monthly repayments
£488
Scheme fees
£1,499
Annual cost
£6,602
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:
3% until 02/05/24
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 3.50% for the remaining 23 years would require 24 payments of £487 and 276 payments of £614. The total amount payable would be £182,651 made up of the loan amount plus interest (£56,152) and fees (£1,499). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
0808 292 0724
Accord
Max LTV 60%:
3.15% discount to 30/04/24
Initial rate
1.34%
then 4.49% (variable)
Monthly repayments
£491
Scheme fees
£995
Annual cost
£6,384
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/04/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.34% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £490 and 276 payments of £677. The total amount payable would be £199,607 made up of the loan amount plus interest (£73,612) and fees (£995). The overall cost for comparison is 4.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
0808 292 0724
HSBC
Max LTV 60%:
Fixed to 30/04/24
Initial rate
1.34%
then 4.60% (variable)
Monthly repayments
£491
Scheme fees
£1,999
Annual cost
£6,886
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:
2% reducing to 1% until 30/04/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 4.60% for the remaining 23 years would require 24 payments of £490 and 276 payments of £684. The total amount payable would be £202,543 made up of the loan amount plus interest (£75,544) and fees (£1,999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
Accord
Max LTV 65%:
Fixed to 30/04/24
Initial rate
1.35%
then 4.49% (variable)
Monthly repayments
£491
Scheme fees
£1,745
Annual cost
£6,766
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 30/04/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.35% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £491 and 276 payments of £677. The total amount payable would be £200,381 made up of the loan amount plus interest (£73,636) and fees (£1,745). The overall cost for comparison is 4.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
0808 292 0724
BM Solutions
Max LTV 60%:
Fixed to 31/03/24
Initial rate
1.36%
then 4.59% (variable)
Monthly repayments
£492
Scheme fees
£2,095
Annual cost
£6,948
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/03/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.36% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £491 and 276 payments of £684. The total amount payable would be £202,663 made up of the loan amount plus interest (£75,568) and fees (£2,095). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/06/24
Initial rate
1.37%
then 4.69% (variable)
Monthly repayments
£492
Scheme fees
£1,709
Annual cost
£6,762
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% until 01/06/24
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.37% and then on a variable rate of 4.69% for the remaining 23 years would require 24 payments of £492 and 276 payments of £690. The total amount payable would be £203,957 made up of the loan amount plus interest (£77,248) and fees (£1,709). The overall cost for comparison is 4.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
Accord
Max LTV 65%:
3.12% discount to 30/04/24
Initial rate
1.37%
then 4.49% (variable)
Monthly repayments
£492
Scheme fees
£995
Annual cost
£6,405
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/04/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.37% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £492 and 276 payments of £677. The total amount payable would be £199,655 made up of the loan amount plus interest (£73,660) and fees (£995). The overall cost for comparison is 4.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
0808 292 0724
Virgin Money
Max LTV 75%:
Fixed to 01/06/24
Initial rate
1.38%
then 4.69% (variable)
Monthly repayments
£493
Scheme fees
£1,709
Annual cost
£6,769
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% until 01/06/24
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.38% and then on a variable rate of 4.69% for the remaining 23 years would require 24 payments of £492 and 276 payments of £690. The total amount payable would be £203,957 made up of the loan amount plus interest (£77,248) and fees (£1,709). The overall cost for comparison is 4.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
Virgin Money
Max LTV 75%:
Fixed to 01/06/25
Initial rate
1.38%
then 4.69% (variable)
Monthly repayments
£493
Scheme fees
£1,709
Annual cost
£6,484
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% until 01/06/25
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.38% and then on a variable rate of 4.69% for the remaining 22 years would require 36 payments of £492 and 264 payments of £681. The total amount payable would be £199,205 made up of the loan amount plus interest (£72,496) and fees (£1,709). The overall cost for comparison is 4.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/06/25
Initial rate
1.38%
then 4.69% (variable)
Monthly repayments
£493
Scheme fees
£1,709
Annual cost
£6,484
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% until 01/06/25
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.38% and then on a variable rate of 4.69% for the remaining 22 years would require 36 payments of £492 and 264 payments of £681. The total amount payable would be £199,205 made up of the loan amount plus interest (£72,496) and fees (£1,709). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
0808 292 0724
Godiva
Max LTV 65%:
Fixed to 30/04/24
Initial rate
1.39%
then 4.64% (variable)
Monthly repayments
£493
Scheme fees
£1,999
Annual cost
£6,921
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:
2% reducing to 1% until 30/04/24
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £493 and 276 payments of £687. The total amount payable would be £203,443 made up of the loan amount plus interest (£76,444) and fees (£1,999). The overall cost for comparison is 4.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
0808 292 0724
Santander
Max LTV 75%:
Fixed to 02/05/24
Initial rate
1.39%
then 3.50% (variable)
Monthly repayments
£493
Scheme fees
£1,499
Annual cost
£6,671
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:
3% until 02/05/24
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.50% for the remaining 23 years would require 24 payments of £493 and 276 payments of £615. The total amount payable would be £183,071 made up of the loan amount plus interest (£56,572) and fees (£1,499). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/03/24
Initial rate
1.39%
then 4.74% (variable)
Monthly repayments
£493
Scheme fees
£1,335
Annual cost
£6,589
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £493 and 276 payments of £694. The total amount payable would be £204,711 made up of the loan amount plus interest (£78,376) and fees (£1,335). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/03/24
Initial rate
1.39%
then 5.24% (variable)
Monthly repayments
£493
Scheme fees
£2,335
Annual cost
£7,089
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £493 and 276 payments of £727. The total amount payable would be £214,819 made up of the loan amount plus interest (£87,484) and fees (£2,335). The overall cost for comparison is 4.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
0808 292 0724
Principality
Max LTV 60%:
3.00% discount to 30/04/24
Initial rate
1.40%
then 4.40% (variable)
Monthly repayments
£494
Scheme fees
£0
Annual cost
£5,929
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/04/24
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.40% and then on a variable rate of 4.40% for the remaining 23 years would require 24 payments of £494 and 276 payments of £671. The total amount payable would be £197,052 made up of the loan amount plus interest (£72,052) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
0808 292 0724
Leeds
Max LTV 60%:
Fixed to 30/04/24
Initial rate
1.41%
then 5.59% (variable)
Monthly repayments
£495
Scheme fees
£999
Annual cost
£6,435
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:
2.5% reducing to 1.5% until 30/04/24
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.41% and then on a variable rate of 5.59% for the remaining 23 years would require 24 payments of £494 and 276 payments of £751. The total amount payable would be £220,131 made up of the loan amount plus interest (£94,132) and fees (£999). The overall cost for comparison is 4.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
0808 292 0724
Accord
Max LTV 65%:
Fixed to 30/04/24
Initial rate
1.44%
then 4.49% (variable)
Monthly repayments
£496
Scheme fees
£1,245
Annual cost
£6,579
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 30/04/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.44% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £496 and 276 payments of £678. The total amount payable would be £200,277 made up of the loan amount plus interest (£74,032) and fees (£1,245). The overall cost for comparison is 4.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
0808 292 0724
Skipton
Max LTV 60%:
Base +1.19% for 2 years
Initial rate
1.44%
then 4.84% (variable)
Monthly repayments
£496
Scheme fees
£995
Annual cost
£6,454
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.44% and then on a variable rate of 4.84% for the remaining 23 years would require 24 payments of £496 and 276 payments of £700. The total amount payable would be £206,099 made up of the loan amount plus interest (£80,104) and fees (£995). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 4.6% APRC
?
0808 292 0724
Natwest
Max LTV 60%:
Fixed to 30/04/24
Initial rate
1.44%
then 4.24% (variable)
Monthly repayments
£496
Scheme fees
£995
Annual cost
£6,454
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 0.75% until 30/04/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.44% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £496 and 276 payments of £661. The total amount payable would be £195,335 made up of the loan amount plus interest (£69,340) and fees (£995). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
0808 292 0724
HSBC
Max LTV 65%:
Fixed to 30/04/24
Initial rate
1.44%
then 4.60% (variable)
Monthly repayments
£496
Scheme fees
£1,999
Annual cost
£6,956
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:
2% reducing to 1% until 30/04/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.44% and then on a variable rate of 4.60% for the remaining 23 years would require 24 payments of £496 and 276 payments of £685. The total amount payable would be £202,963 made up of the loan amount plus interest (£75,964) and fees (£1,999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
HSBC
Max LTV 75%:
Fixed to 30/04/24
Initial rate
1.44%
then 4.60% (variable)
Monthly repayments
£496
Scheme fees
£1,999
Annual cost
£6,956
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:
2% reducing to 1% until 30/04/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.44% and then on a variable rate of 4.60% for the remaining 23 years would require 24 payments of £496 and 276 payments of £685. The total amount payable would be £202,963 made up of the loan amount plus interest (£75,964) and fees (£1,999). The overall cost for comparison is 4.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
Platform
Max LTV 60%:
Fixed to 30/04/24
Initial rate
1.46%
then 5.00% (variable)
Monthly repayments
£498
Scheme fees
£1,678
Annual cost
£6,810
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £179
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 30/04/24
Other info
Exit fee £100
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.46% and then on a variable rate of 5.00% for the remaining 23 years would require 24 payments of £497 and 276 payments of £711. The total amount payable would be £209,842 made up of the loan amount plus interest (£83,164) and fees (£1,678). The overall cost for comparison is 4.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
0808 292 0724
Accord
Max LTV 75%:
3.00% discount to 30/04/24
Initial rate
1.49%
then 4.49% (variable)
Monthly repayments
£499
Scheme fees
£995
Annual cost
£6,489
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/04/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.49% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £499 and 276 payments of £678. The total amount payable would be £200,099 made up of the loan amount plus interest (£74,104) and fees (£995). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
0808 292 0724
TSB
Max LTV 60%:
Fixed to 31/03/24
Initial rate
1.49%
then 4.59% (variable)
Monthly repayments
£499
Scheme fees
£995
Annual cost
£6,489
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/03/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.49% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £499 and 276 payments of £684. The total amount payable would be £201,755 made up of the loan amount plus interest (£75,760) and fees (£995). The overall cost for comparison is 4.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/03/27
Initial rate
1.49%
then 4.74% (variable)
Monthly repayments
£499
Scheme fees
£2,840
Annual cost
£6,560
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.25% reducing to 0.75% until 31/03/27
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.49% and then on a variable rate of 4.74% for the remaining 20 years would require 60 payments of £499 and 240 payments of £668. The total amount payable would be £193,100 made up of the loan amount plus interest (£65,260) and fees (£2,840). The overall cost for comparison is 3.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
0808 292 0724
Principality
Max LTV 70%:
2.90% discount to 30/04/24
Initial rate
1.50%
then 4.40% (variable)
Monthly repayments
£500
Scheme fees
£0
Annual cost
£5,999
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/04/24
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.50% and then on a variable rate of 4.40% for the remaining 23 years would require 24 payments of £499 and 276 payments of £672. The total amount payable would be £197,448 made up of the loan amount plus interest (£72,448) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
0808 292 0724
Platform
Max LTV 65%:
Fixed to 30/04/24
Initial rate
1.52%
then 5.00% (variable)
Monthly repayments
£501
Scheme fees
£1,678
Annual cost
£6,852
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £179
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 30/04/24
Other info
Exit fee £100
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.52% and then on a variable rate of 5.00% for the remaining 23 years would require 24 payments of £501 and 276 payments of £712. The total amount payable would be £210,214 made up of the loan amount plus interest (£83,536) and fees (£1,678). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
0808 292 0724
Leek United
Max LTV 65%:
Fixed to 31/03/24
Initial rate
1.52%
then 5.19% (variable)
Monthly repayments
£501
Scheme fees
£595
Annual cost
£6,311
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/03/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.52% and then on a variable rate of 5.19% for the remaining 23 years would require 24 payments of £501 and 276 payments of £724. The total amount payable would be £212,443 made up of the loan amount plus interest (£86,848) and fees (£595). The overall cost for comparison is 4.8% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/06/24
Initial rate
1.53%
then 4.69% (variable)
Monthly repayments
£502
Scheme fees
£709
Annual cost
£6,375
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% until 01/06/24
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.53% and then on a variable rate of 4.69% for the remaining 23 years would require 24 payments of £501 and 276 payments of £691. The total amount payable would be £203,449 made up of the loan amount plus interest (£77,740) and fees (£709). The overall cost for comparison is 4.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
HSBC
Max LTV 60%:
Fixed to 30/04/27
Initial rate
1.54%
then 4.60% (variable)
Monthly repayments
£502
Scheme fees
£1,999
Annual cost
£6,427
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 30/04/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.54% and then on a variable rate of 4.60% for the remaining 20 years would require 60 payments of £502 and 240 payments of £661. The total amount payable would be £190,759 made up of the loan amount plus interest (£63,760) and fees (£1,999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/03/24
Initial rate
1.54%
then 4.74% (variable)
Monthly repayments
£502
Scheme fees
£1,995
Annual cost
£7,025
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.54% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £502 and 276 payments of £694. The total amount payable would be £205,587 made up of the loan amount plus interest (£78,592) and fees (£1,995). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
Accord
Max LTV 75%:
Fixed to 30/04/24
Initial rate
1.55%
then 4.49% (variable)
Monthly repayments
£503
Scheme fees
£1,245
Annual cost
£6,657
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 30/04/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.55% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £502 and 276 payments of £678. The total amount payable would be £200,421 made up of the loan amount plus interest (£74,176) and fees (£1,245). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
0808 292 0724
Virgin Money
Max LTV 65%:
Fixed to 01/06/24
Initial rate
1.55%
then 4.69% (variable)
Monthly repayments
£503
Scheme fees
£609
Annual cost
£6,339
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% until 01/06/24
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.55% and then on a variable rate of 4.69% for the remaining 23 years would require 24 payments of £502 and 276 payments of £691. The total amount payable would be £203,373 made up of the loan amount plus interest (£77,764) and fees (£609). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
Platform
Max LTV 70%:
Fixed to 30/04/24
Initial rate
1.56%
then 5.00% (variable)
Monthly repayments
£503
Scheme fees
£1,678
Annual cost
£6,880
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £179
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 30/04/24
Other info
Exit fee £100
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.56% and then on a variable rate of 5.00% for the remaining 23 years would require 24 payments of £503 and 276 payments of £712. The total amount payable would be £210,262 made up of the loan amount plus interest (£83,584) and fees (£1,678). The overall cost for comparison is 4.9% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
0808 292 0724
Platform
Max LTV 75%:
Fixed to 30/04/24
Initial rate
1.56%
then 5.50% (variable)
Monthly repayments
£503
Scheme fees
£1,678
Annual cost
£6,880
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £179
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 30/04/24
Other info
Exit fee £100
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.56% and then on a variable rate of 5.50% for the remaining 23 years would require 24 payments of £503 and 276 payments of £746. The total amount payable would be £219,646 made up of the loan amount plus interest (£92,968) and fees (£1,678). The overall cost for comparison is 4.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
0808 292 0724
Accord
Max LTV 65%:
Fixed to 30/04/24
Initial rate
1.56%
then 4.49% (variable)
Monthly repayments
£503
Scheme fees
£745
Annual cost
£6,414
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 30/04/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.56% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £503 and 276 payments of £678. The total amount payable would be £199,945 made up of the loan amount plus interest (£74,200) and fees (£745). The overall cost for comparison is 4.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
0808 292 0724
BM Solutions
Max LTV 60%:
Fixed to 31/03/24
Initial rate
1.56%
then 4.59% (variable)
Monthly repayments
£503
Scheme fees
£1,095
Annual cost
£6,589
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/03/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.56% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £503 and 276 payments of £685. The total amount payable would be £202,227 made up of the loan amount plus interest (£76,132) and fees (£1,095). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/03/24
Initial rate
1.57%
then 5.24% (variable)
Monthly repayments
£504
Scheme fees
£1,335
Annual cost
£6,716
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.57% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £504 and 276 payments of £728. The total amount payable would be £214,359 made up of the loan amount plus interest (£88,024) and fees (£1,335). The overall cost for comparison is 4.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
0808 292 0724
Natwest
Max LTV 70%:
Fixed to 30/04/24
Initial rate
1.58%
then 4.24% (variable)
Monthly repayments
£505
Scheme fees
£995
Annual cost
£6,553
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 0.75% until 30/04/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.58% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £504 and 276 payments of £662. The total amount payable would be £195,803 made up of the loan amount plus interest (£69,808) and fees (£995). The overall cost for comparison is 3.7% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
0808 292 0724
Natwest
Max LTV 75%:
Fixed to 30/04/24
Initial rate
1.58%
then 4.24% (variable)
Monthly repayments
£505
Scheme fees
£995
Annual cost
£6,553
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 0.75% until 30/04/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.58% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £504 and 276 payments of £662. The total amount payable would be £195,803 made up of the loan amount plus interest (£69,808) and fees (£995). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
0808 292 0724
Santander
Max LTV 60%:
Fixed to 02/05/27
Initial rate
1.59%
then 3.50% (variable)
Monthly repayments
£505
Scheme fees
£1,499
Annual cost
£6,362
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% until 02/05/27
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.59% and then on a variable rate of 3.50% for the remaining 20 years would require 60 payments of £505 and 240 payments of £602. The total amount payable would be £176,279 made up of the loan amount plus interest (£49,780) and fees (£1,499). The overall cost for comparison is 2.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.8% APRC
?
0808 292 0724
Principality
Max LTV 75%:
2.80% discount to 30/04/24
Initial rate
1.60%
then 4.40% (variable)
Monthly repayments
£506
Scheme fees
£0
Annual cost
£6,070
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/04/24
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.60% and then on a variable rate of 4.40% for the remaining 23 years would require 24 payments of £505 and 276 payments of £673. The total amount payable would be £197,868 made up of the loan amount plus interest (£72,868) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
0808 292 0724
Barclays
Max LTV 60%:
Fixed to 31/05/24
Initial rate
1.60%
then 4.74% (variable)
Monthly repayments
£506
Scheme fees
£1,525
Annual cost
£6,832
Fees and charges
Booking fee £0
Arrangement fee £1,295
Valuation fee £230
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 31/05/24
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.60% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £505 and 276 payments of £695. The total amount payable would be £205,465 made up of the loan amount plus interest (£78,940) and fees (£1,525). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
TSB
Max LTV 70%:
Fixed to 31/03/24
Initial rate
1.64%
then 4.59% (variable)
Monthly repayments
£508
Scheme fees
£995
Annual cost
£6,596
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/03/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.64% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £508 and 276 payments of £685. The total amount payable would be £202,247 made up of the loan amount plus interest (£76,252) and fees (£995). The overall cost for comparison is 4.1% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/03/27
Initial rate
1.64%
then 4.74% (variable)
Monthly repayments
£508
Scheme fees
£2,335
Annual cost
£6,565
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.25% reducing to 0.75% until 31/03/27
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.64% and then on a variable rate of 4.74% for the remaining 20 years would require 60 payments of £508 and 240 payments of £670. The total amount payable would be £193,615 made up of the loan amount plus interest (£66,280) and fees (£2,335). The overall cost for comparison is 3.6% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/03/27
Initial rate
1.64%
then 5.24% (variable)
Monthly repayments
£508
Scheme fees
£2,840
Annual cost
£6,666
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.25% reducing to 0.75% until 31/03/27
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.64% and then on a variable rate of 5.24% for the remaining 20 years would require 60 payments of £508 and 240 payments of £699. The total amount payable would be £201,080 made up of the loan amount plus interest (£73,240) and fees (£2,840). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
0808 292 0724
Leeds
Max LTV 70%:
Fixed to 30/04/24
Initial rate
1.64%
then 5.59% (variable)
Monthly repayments
£508
Scheme fees
£999
Annual cost
£6,598
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:
2.5% reducing to 1.5% until 30/04/24
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.64% and then on a variable rate of 5.59% for the remaining 23 years would require 24 payments of £508 and 276 payments of £752. The total amount payable would be £220,743 made up of the loan amount plus interest (£94,744) and fees (£999). The overall cost for comparison is 4.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.8% 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 1445 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.

Back to top of guide

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 £214,019 payable over 22 years, initially on a fixed rate until 01/04/27 at 1.69% and then on a variable rate of 4.49% for 1year 10 months and then a variable rate of 4.24% for the the remaining 15 years would require 62 payments of £971.26 followed by 22 payments of £1,205.42 and then 180 payments of £1,185.38. The total amount payable would be £300,186 made up of the loan amount plus interest (£86,087) and fees (£80). The overall cost for comparison is 3.2% APRC representative.
London & Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is a company limited by shares. Our Companies House number is 1988608. We are also authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let mortgages.
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