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COMPARE 1000S OF Buy to Let MORTGAGE RATES

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The Mortgage Works
Max LTV 65%:
Fixed to 31/05/22
Initial rate
1.19%
then 4.24% (variable)
Monthly repayments
£482
Scheme fees
£2,840
Annual cost
£7,203
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% reducing to 2% until 31/05/22
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 1.19% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £481 and 276 payments of £660. The total amount payable would be £196,544 made up of the loan amount plus interest (£68,704) and fees (£2,840). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
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The Mortgage Works
Max LTV 65%:
Fixed to 31/05/22
Initial rate
1.24%
then 4.24% (variable)
Monthly repayments
£485
Scheme fees
£2,250
Annual cost
£6,942
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/05/22
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 4.24% for the remaining 23 years would require 24 payments of £484 and 276 payments of £660. The total amount payable would be £196,026 made up of the loan amount plus interest (£68,776) and fees (£2,250). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
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Godiva
Max LTV 50%:
Fixed to 30/04/22
Initial rate
1.29%
then 4.49% (variable)
Monthly repayments
£488
Scheme fees
£1,999
Annual cost
£6,852
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 2% until 30/04/22
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 1.29% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £487 and 276 payments of £677. The total amount payable would be £200,539 made up of the loan amount plus interest (£73,540) and fees (£1,999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
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BM Solutions
Max LTV 60%:
Fixed to 30/06/22
Initial rate
1.32%
then 4.59% (variable)
Monthly repayments
£489
Scheme fees
£2,295
Annual cost
£7,021
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £300
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/06/22
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 1.32% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £489 and 276 payments of £683. The total amount payable would be £202,539 made up of the loan amount plus interest (£75,244) and fees (£2,295). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
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BM Solutions
Max LTV 60%:
Fixed to 30/06/23
Initial rate
1.32%
then 4.59% (variable)
Monthly repayments
£489
Scheme fees
£2,295
Annual cost
£6,638
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £300
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 1% until 30/06/23
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 3 years at 1.32% and then on a variable rate of 4.59% for the remaining 22 years would require 36 payments of £489 and 264 payments of £675. The total amount payable would be £198,099 made up of the loan amount plus interest (£70,804) and fees (£2,295). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
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Barclays
Max LTV 60%:
Fixed to 31/07/22
Initial rate
1.35%
then 4.59% (variable)
Monthly repayments
£491
Scheme fees
£2,025
Annual cost
£6,906
Fees and charges
Booking fee £0
Arrangement fee £1,795
Valuation fee £230
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% until 31/07/22
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 1.35% 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 £202,593 made up of the loan amount plus interest (£75,568) and fees (£2,025). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
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Natwest
Max LTV 60%:
Fixed to 30/06/22
Initial rate
1.35%
then 4.09% (variable)
Monthly repayments
£491
Scheme fees
£1,243
Annual cost
£6,515
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/06/22
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 1.35% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £491 and 276 payments of £651. The total amount payable would be £192,703 made up of the loan amount plus interest (£66,460) and fees (£1,243). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
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Godiva
Max LTV 65%:
Fixed to 30/04/22
Initial rate
1.39%
then 4.49% (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 2% until 30/04/22
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 4.49% for the remaining 23 years would require 24 payments of £493 and 276 payments of £677. The total amount payable would be £200,683 made up of the loan amount plus interest (£73,684) and fees (£1,999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
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Leeds
Max LTV 60%:
Fixed to 30/06/22
Initial rate
1.39%
then 5.99% (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:
3% reducing to 2% until 30/06/22
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 1.39% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £493 and 276 payments of £778. The total amount payable would be £228,559 made up of the loan amount plus interest (£101,560) and fees (£1,999). The overall cost for comparison is 5.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
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Post Office
Max LTV 60%:
Fixed to 30/04/22
Initial rate
1.40%
then 4.59% (variable)
Monthly repayments
£494
Scheme fees
£1,495
Annual cost
£6,676
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/04/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.40% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £494 and 276 payments of £684. The total amount payable would be £202,135 made up of the loan amount plus interest (£75,640) and fees (£1,495). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
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The Mortgage Works
Max LTV 65%:
Fixed to 31/05/22
Initial rate
1.44%
then 4.24% (variable)
Monthly repayments
£496
Scheme fees
£2,335
Annual cost
£7,124
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% reducing to 2% until 31/05/22
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 4.24% for the remaining 23 years would require 24 payments of £496 and 276 payments of £661. The total amount payable would be £196,675 made up of the loan amount plus interest (£69,340) and fees (£2,335). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
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BM Solutions
Max LTV 60%:
Fixed to 30/06/22
Initial rate
1.45%
then 4.59% (variable)
Monthly repayments
£497
Scheme fees
£2,295
Annual cost
£7,111
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £300
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/06/22
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 1.45% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £496 and 276 payments of £684. The total amount payable would be £202,983 made up of the loan amount plus interest (£75,688) and fees (£2,295). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
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Enquire
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
BM Solutions
Max LTV 60%:
Fixed to 30/06/23
Initial rate
1.45%
then 4.59% (variable)
Monthly repayments
£497
Scheme fees
£2,295
Annual cost
£6,729
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £300
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 1% until 30/06/23
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 3 years at 1.45% and then on a variable rate of 4.59% for the remaining 22 years would require 36 payments of £496 and 264 payments of £676. The total amount payable would be £198,615 made up of the loan amount plus interest (£71,320) and fees (£2,295). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
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Post Office
Max LTV 60%:
Fixed to 30/04/22
Initial rate
1.47%
then 4.59% (variable)
Monthly repayments
£498
Scheme fees
£1,495
Annual cost
£6,725
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:
3% reducing to 2% until 30/04/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.47% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £498 and 276 payments of £684. The total amount payable would be £202,231 made up of the loan amount plus interest (£75,736) and fees (£1,495). The overall cost for comparison is 4.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Halifax
Max LTV 60%:
Fixed to 31/05/22
Initial rate
1.51%
then 4.44% (variable)
Monthly repayments
£501
Scheme fees
£1,695
Annual cost
£6,854
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/05/22
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 1.51% and then on a variable rate of 4.44% for the remaining 23 years would require 24 payments of £500 and 276 payments of £675. The total amount payable would be £199,995 made up of the loan amount plus interest (£73,300) and fees (£1,695). The overall cost for comparison is 4.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
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BM Solutions
Max LTV 60%:
Fixed to 30/06/22
Initial rate
1.52%
then 4.59% (variable)
Monthly repayments
£501
Scheme fees
£1,295
Annual cost
£6,661
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £300
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/06/22
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 4.59% for the remaining 23 years would require 24 payments of £501 and 276 payments of £685. The total amount payable would be £202,379 made up of the loan amount plus interest (£76,084) and fees (£1,295). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
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Enquire
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Leeds
Max LTV 60%:
Fixed to 30/06/22
Initial rate
1.52%
then 5.99% (variable)
Monthly repayments
£501
Scheme fees
£999
Annual cost
£6,513
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:
3% reducing to 2% until 30/06/22
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 1.52% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £501 and 276 payments of £779. The total amount payable would be £228,027 made up of the loan amount plus interest (£102,028) and fees (£999). The overall cost for comparison is 5.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
Enquire
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
BM Solutions
Max LTV 60%:
Fixed to 30/06/23
Initial rate
1.52%
then 4.59% (variable)
Monthly repayments
£501
Scheme fees
£1,295
Annual cost
£6,445
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £300
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 1% until 30/06/23
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 3 years at 1.52% and then on a variable rate of 4.59% for the remaining 22 years would require 36 payments of £501 and 264 payments of £676. The total amount payable would be £197,795 made up of the loan amount plus interest (£71,500) and fees (£1,295). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Enquire
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Barclays
Max LTV 60%:
Fixed to 31/07/22
Initial rate
1.55%
then 4.59% (variable)
Monthly repayments
£503
Scheme fees
£1,480
Annual cost
£6,774
Fees and charges
Booking fee £0
Arrangement fee £1,250
Valuation fee £230
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% until 31/07/22
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 1.55% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £502 and 276 payments of £685. The total amount payable would be £202,588 made up of the loan amount plus interest (£76,108) and fees (£1,480). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
Enquire
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Godiva
Max LTV 65%:
Fixed to 30/04/22
Initial rate
1.55%
then 4.49% (variable)
Monthly repayments
£503
Scheme fees
£1,999
Annual cost
£7,034
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
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 1.55% 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 £201,175 made up of the loan amount plus interest (£74,176) and fees (£1,999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% No Early Repayment Charges
Overall cost for comparison 4.5% APRC
?
Enquire
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Bank of Ireland
Max LTV 60%:
Fixed to 30/04/22
Initial rate
1.55%
then 4.09% (variable)
Monthly repayments
£503
Scheme fees
£995
Annual cost
£6,532
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
3% reducing to 2% until 30/04/22
Other info
Exit fee £195
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 4.09% for the remaining 23 years would require 24 payments of £502 and 276 payments of £653. The total amount payable would be £193,271 made up of the loan amount plus interest (£67,276) and fees (£995). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
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Enquire
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
The Mortgage Works
Max LTV 75%:
Fixed to 31/05/22
Initial rate
1.59%
then 4.74% (variable)
Monthly repayments
£505
Scheme fees
£2,840
Annual cost
£7,483
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% reducing to 2% until 31/05/22
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 1.59% 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 £206,780 made up of the loan amount plus interest (£78,940) and fees (£2,840). The overall cost for comparison is 4.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Enquire
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
The Mortgage Works
Max LTV 65%:
Fixed to 31/05/22
Initial rate
1.59%
then 4.24% (variable)
Monthly repayments
£505
Scheme fees
£1,745
Annual cost
£6,935
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:
3% reducing to 2% until 31/05/22
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 1.59% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £505 and 276 payments of £662. The total amount payable would be £196,577 made up of the loan amount plus interest (£69,832) and fees (£1,745). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Enquire
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 60%:
Fixed to 30/06/22
Initial rate
1.60%
then 4.09% (variable)
Monthly repayments
£506
Scheme fees
£745
Annual cost
£6,442
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% reducing to 1% until 30/06/22
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 1.60% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £505 and 276 payments of £653. The total amount payable would be £193,093 made up of the loan amount plus interest (£67,348) and fees (£745). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
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Enquire
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Post Office
Max LTV 75%:
Fixed to 30/04/22
Initial rate
1.61%
then 4.59% (variable)
Monthly repayments
£506
Scheme fees
£1,495
Annual cost
£6,824
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:
3% reducing to 2% until 30/04/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.61% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £506 and 276 payments of £685. The total amount payable would be £202,699 made up of the loan amount plus interest (£76,204) and fees (£1,495). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
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BM Solutions
Max LTV 60%:
Fixed to 30/06/25
Initial rate
1.62%
then 4.59% (variable)
Monthly repayments
£507
Scheme fees
£2,295
Annual cost
£6,543
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £300
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 30/06/25
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 1.62% and then on a variable rate of 4.59% for the remaining 20 years would require 60 payments of £507 and 240 payments of £662. The total amount payable would be £191,595 made up of the loan amount plus interest (£64,300) and fees (£2,295). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
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The Mortgage Works
Max LTV 75%:
Fixed to 31/05/22
Initial rate
1.64%
then 4.74% (variable)
Monthly repayments
£508
Scheme fees
£2,250
Annual cost
£7,223
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/05/22
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 1.64% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £508 and 276 payments of £695. The total amount payable would be £206,262 made up of the loan amount plus interest (£79,012) and fees (£2,250). The overall cost for comparison is 4.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
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The Mortgage Works
Max LTV 65%:
Fixed to 31/05/25
Initial rate
1.64%
then 4.24% (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:
6% reducing to 2% until 31/05/25
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 4.24% for the remaining 20 years would require 60 payments of £508 and 240 payments of £642. The total amount payable would be £187,400 made up of the loan amount plus interest (£59,560) and fees (£2,840). The overall cost for comparison is 3.8% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
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BM Solutions
Max LTV 60%:
Fixed to 30/06/22
Initial rate
1.65%
then 4.59% (variable)
Monthly repayments
£509
Scheme fees
£1,295
Annual cost
£6,753
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £300
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/06/22
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 1.65% 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 £202,547 made up of the loan amount plus interest (£76,252) and fees (£1,295). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
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BM Solutions
Max LTV 60%:
Fixed to 30/06/23
Initial rate
1.65%
then 4.59% (variable)
Monthly repayments
£509
Scheme fees
£1,295
Annual cost
£6,537
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £300
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 1% until 30/06/23
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 3 years at 1.65% and then on a variable rate of 4.59% for the remaining 22 years would require 36 payments of £508 and 264 payments of £678. The total amount payable would be £198,575 made up of the loan amount plus interest (£72,280) and fees (£1,295). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
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BM Solutions
Max LTV 60%:
Fixed to 30/06/25
Initial rate
1.67%
then 4.59% (variable)
Monthly repayments
£510
Scheme fees
£2,295
Annual cost
£6,579
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £300
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 30/06/25
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 1.67% and then on a variable rate of 4.59% for the remaining 20 years would require 60 payments of £509 and 240 payments of £662. The total amount payable would be £191,715 made up of the loan amount plus interest (£64,420) and fees (£2,295). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
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Godiva
Max LTV 50%:
Fixed to 30/04/22
Initial rate
1.69%
then 4.49% (variable)
Monthly repayments
£511
Scheme fees
£999
Annual cost
£6,633
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% reducing to 2% until 30/04/22
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 1.69% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £511 and 276 payments of £679. The total amount payable would be £200,667 made up of the loan amount plus interest (£74,668) and fees (£999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
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Nottingham
Max LTV 75%:
Fixed to 01/08/22
Initial rate
1.69%
then 6.54% (variable)
Monthly repayments
£511
Scheme fees
£999
Annual cost
£6,633
Fees and charges
Booking fee £299
Arrangement fee £700
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
6 months interest until 01/08/22
Other info
Exit fee £140
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.69% and then on a variable rate of 6.54% for the remaining 23 years would require 24 payments of £511 and 276 payments of £819. The total amount payable would be £239,307 made up of the loan amount plus interest (£113,308) and fees (£999). The overall cost for comparison is 5.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.7% APRC
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Halifax
Max LTV 75%:
Fixed to 31/05/22
Initial rate
1.70%
then 4.44% (variable)
Monthly repayments
£512
Scheme fees
£1,695
Annual cost
£6,989
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/05/22
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 1.70% and then on a variable rate of 4.44% for the remaining 23 years would require 24 payments of £511 and 276 payments of £676. The total amount payable would be £200,535 made up of the loan amount plus interest (£73,840) and fees (£1,695). The overall cost for comparison is 4.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
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Natwest
Max LTV 70%:
Fixed to 30/06/22
Initial rate
1.74%
then 4.09% (variable)
Monthly repayments
£514
Scheme fees
£745
Annual cost
£6,542
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% reducing to 1% until 30/06/22
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 1.74% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £514 and 276 payments of £654. The total amount payable would be £193,585 made up of the loan amount plus interest (£67,840) and fees (£745). The overall cost for comparison is 4.2% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 75%:
Fixed to 30/06/22
Initial rate
1.74%
then 4.09% (variable)
Monthly repayments
£514
Scheme fees
£745
Annual cost
£6,542
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% reducing to 1% until 30/06/22
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 1.74% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £514 and 276 payments of £654. The total amount payable would be £193,585 made up of the loan amount plus interest (£67,840) and fees (£745). The overall cost for comparison is 4.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
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The Mortgage Works
Max LTV 75%:
Fixed to 31/05/22
Initial rate
1.74%
then 4.74% (variable)
Monthly repayments
£514
Scheme fees
£2,335
Annual cost
£7,337
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% reducing to 2% until 31/05/22
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 1.74% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £514 and 276 payments of £696. The total amount payable would be £206,767 made up of the loan amount plus interest (£79,432) and fees (£2,335). The overall cost for comparison is 4.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
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Nottingham
Max LTV 75%:
4.80% discount for 2 years
Initial rate
1.74%
then 6.54% (variable)
Monthly repayments
£514
Scheme fees
£1,999
Annual cost
£7,169
Fees and charges
Booking fee £299
Arrangement fee £1,700
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £140
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.74% and then on a variable rate of 6.54% for the remaining 23 years would require 24 payments of £514 and 276 payments of £819. The total amount payable would be £240,379 made up of the loan amount plus interest (£113,380) and fees (£1,999). The overall cost for comparison is 5.9% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 5.9% APRC
?
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Barclays
Max LTV 60%:
Fixed to 31/07/25
Initial rate
1.75%
then 4.59% (variable)
Monthly repayments
£515
Scheme fees
£1,525
Annual cost
£6,482
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:
3% until 31/07/25
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 5 years at 1.75% and then on a variable rate of 4.59% for the remaining 20 years would require 60 payments of £514 and 240 payments of £664. The total amount payable would be £191,725 made up of the loan amount plus interest (£65,200) and fees (£1,525). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Godiva
Max LTV 50%:
Fixed to 31/10/25
Initial rate
1.75%
then 4.49% (variable)
Monthly repayments
£515
Scheme fees
£1,999
Annual cost
£6,577
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 31/10/25
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 5 years at 1.75% and then on a variable rate of 4.49% for the remaining 20 years would require 60 payments of £514 and 240 payments of £658. 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 50% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
BM Solutions
Max LTV 60%:
Fixed to 30/06/25
Initial rate
1.76%
then 4.59% (variable)
Monthly repayments
£515
Scheme fees
£1,295
Annual cost
£6,443
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £300
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 30/06/25
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 1.76% and then on a variable rate of 4.59% for the remaining 20 years would require 60 payments of £515 and 240 payments of £664. The total amount payable would be £191,555 made up of the loan amount plus interest (£65,260) and fees (£1,295). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Barclays
Max LTV 60%:
Fixed to 31/07/22
Initial rate
1.79%
then 4.59% (variable)
Monthly repayments
£517
Scheme fees
£2,980
Annual cost
£7,696
Fees and charges
Booking fee £0
Arrangement fee £2,750
Valuation fee £230
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% until 31/07/22
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 1.79% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £517 and 276 payments of £686. The total amount payable would be £204,724 made up of the loan amount plus interest (£76,744) and fees (£2,980). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
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The Mortgage Works
Max LTV 65%:
Fixed to 31/05/25
Initial rate
1.79%
then 4.24% (variable)
Monthly repayments
£517
Scheme fees
£2,335
Annual cost
£6,673
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:
6% reducing to 2% until 31/05/25
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 1.79% and then on a variable rate of 4.24% for the remaining 20 years would require 60 payments of £517 and 240 payments of £645. The total amount payable would be £188,155 made up of the loan amount plus interest (£60,820) and fees (£2,335). The overall cost for comparison is 3.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Enquire
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Godiva
Max LTV 65%:
Fixed to 30/04/22
Initial rate
1.79%
then 4.49% (variable)
Monthly repayments
£517
Scheme fees
£999
Annual cost
£6,705
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% reducing to 2% until 30/04/22
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 1.79% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £517 and 276 payments of £680. The total amount payable would be £201,087 made up of the loan amount plus interest (£75,088) and fees (£999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Godiva
Max LTV 65%:
Fixed to 31/10/25
Initial rate
1.79%
then 4.49% (variable)
Monthly repayments
£517
Scheme fees
£1,999
Annual cost
£6,605
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 31/10/25
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 5 years at 1.79% and then on a variable rate of 4.49% for the remaining 20 years would require 60 payments of £517 and 240 payments of £659. The total amount payable would be £191,179 made up of the loan amount plus interest (£64,180) and fees (£1,999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Enquire
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Post Office
Max LTV 60%:
Fixed to 30/04/22
Initial rate
1.80%
then 4.59% (variable)
Monthly repayments
£518
Scheme fees
£195
Annual cost
£6,310
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/04/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.80% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £517 and 276 payments of £686. The total amount payable would be £201,939 made up of the loan amount plus interest (£76,744) and fees (£195). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 60%:
Fixed to 30/06/22
Initial rate
1.81%
then 4.09% (variable)
Monthly repayments
£518
Scheme fees
£0
Annual cost
£6,220
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:
2% reducing to 1% until 30/06/22
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 1.81% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £518 and 276 payments of £654. The total amount payable would be £192,936 made up of the loan amount plus interest (£67,936) and fees (£0). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
BM Solutions
Max LTV 60%:
Fixed to 30/06/25
Initial rate
1.81%
then 4.59% (variable)
Monthly repayments
£518
Scheme fees
£1,295
Annual cost
£6,479
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £300
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 30/06/25
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 1.81% and then on a variable rate of 4.59% for the remaining 20 years would require 60 payments of £518 and 240 payments of £664. The total amount payable would be £191,735 made up of the loan amount plus interest (£65,440) and fees (£1,295). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Enquire
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Post Office
Max LTV 75%:
Fixed to 30/04/22
Initial rate
1.85%
then 4.59% (variable)
Monthly repayments
£521
Scheme fees
£995
Annual cost
£6,746
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:
3% reducing to 2% until 30/04/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.85% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £520 and 276 payments of £686. The total amount payable would be £202,811 made up of the loan amount plus interest (£76,816) and fees (£995). The overall cost for comparison is 4.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
Enquire
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Halifax
Max LTV 60%:
Fixed to 31/05/25
Initial rate
1.85%
then 4.44% (variable)
Monthly repayments
£521
Scheme fees
£1,695
Annual cost
£6,588
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 31/05/25
Other info
Exit fee £0
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Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.85% and then on a variable rate of 4.44% for the remaining 20 years would require 60 payments of £520 and 240 payments of £657. The total amount payable would be £190,575 made up of the loan amount plus interest (£63,880) and fees (£1,695). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
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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 1355 Reviews.co.uk respondents - as of 02/04/19. Read our reviews

If you want to become a landlord and buy a property to rent out, you will need a Buy to Let mortgage rather than a standard residential mortgage.


Buy to Let mortgages explained


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

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


Landlord mortgages


You can’t apply for a normal residential mortgage on a property which you let out as a landlord. You should therefore talk to your lender if you already have a normal mortgage on the property you want to let out and ask 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.


Buy to Let mortgage deposit


The minimum deposit for a Buy to Let mortgage is usually 25% of the property's value, although it can vary from 20%-40% depending on which deal and lender you go for.


Finding the best Buy to Let mortgage rates & deals


There are lots of different Buy to Let mortgages to choose from, so it’s important you find the best one to suit your individual circumstances.

Seek advice from a broker, ideally one which won’t charge you a fee, who can research the market on your behalf and help you work out which the cheapest buy to mortgage is for you. You can also compare Buy to Let mortgages online.

Look carefully at each deal’s Annual Percentage Rate of Charge (APRC) which shows you how much any mortgage deal will cost you including any introductory rate, the rate the mortgage revert to when the introductory rate finishes and any fees.


Charging rent


When you apply for a Buy to Let mortgage, lenders will look at how much rental income you expect to receive, as well as your own income and other personal circumstances, so you’ll need to think carefully about how much rent you’ll need to charge your tenants.

Lenders will expect the rent you charge to be at the very least 125% of the mortgage payment, but this can vary depending on which lender you go to and many will require rental income to equal 145% of the annual mortgage interest payments. So, for example, if the property you are buying to let out will cost you £11,000 a year in mortgage interest, the lender will need to see that you’re expecting to generate at least £13,750 in rent each year.

Use our Buy to Let mortgage calculator to help give you an idea of what you can borrow based on your expected rental income.


Buy to Let mortgage criteria


As well as checking your rental income is sufficient, lenders will often have other criteria you need to meet before they’ll offer you a Buy to Let mortgage.

You must usually be aged at least 25 to qualify, and you’ll often need to be earning an annual income of at least £25,000. There’s also often a cap on the total amount you can borrow, although this can be as high as £2m or more. You can’t usually take out more than three Buy to Let mortgages.


What types of Buy to Let mortgage deal are available?


As with normal residential mortgages, there are lots of different types of Buy to Let mortgages to choose from.

For example, if you are worried about interest rates rising in future, you may want to consider a fixed rate Buy to Let deal, where the rate is fixed for a certain period so your payments won’t change. Alternatively, you could opt for a variable rate deal, such as a tracker Buy to Let mortgage. These track the Bank of England base rate plus a set percentage.

Other types of variable mortgage deals include discounted Buy to Let mortgages, where the lender offers a discount off its standard variable rate, or capped mortgage rates, where again rates can go up or down but will never exceed a certain limit.


Interest-only Buy to Let


Most Buy to Let mortgages are interest-only, which means each month you only pay back the interest you owe on the amount you’ve borrowed, and not any of the capital.

The main benefit of this is that your monthly mortgage payments will be lower, but the downside is that if property prices fall while you own the property, there is a risk that when you come to sell it, you might not end up with enough to clear your mortgage.

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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 £209,342 payable over 23 years, initially on a fixed rate until 30/04/25 at 1.49% and then on a variable rate of 4.99% for the remaining 18 years would require 60 payments of £896.33 and 216 payments of £1,192.31. The total amount payable would be £312,215 made up of the loan amount plus interest (£101,977) and fees (£896). The overall cost for comparison is 3.6% 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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