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COMPARE 1000S OF Buy to Let MORTGAGE RATES

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The Mortgage Works
Max LTV 65%:
Base +0.64% to 30/09/24
Initial rate
2.39%
then 5.24% (variable)
Monthly repayments
£554
Scheme fees
£2,634
Annual cost
£7,963
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:
0.75% reducing to 5% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.39% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £553 and 276 payments of £733. The total amount payable would be £218,214 made up of the loan amount plus interest (£90,580) and fees (£2,634). 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
Newbury
Max LTV 75%:
1.70% discount for 3 years
Initial rate
2.40%
then 4.10% (variable)
Monthly repayments
£555
Scheme fees
£1,200
Annual cost
£7,054
Fees and charges
Booking fee £0
Arrangement fee £950
Valuation fee £250
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 3 years
Other info
Exit fee £115
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 2.40% and then on a variable rate of 4.10% for the remaining 22 years would require 36 payments of £554 and 264 payments of £654. The total amount payable would be £193,800 made up of the loan amount plus interest (£67,600) and fees (£1,200). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
0808 292 0724
Newbury
Max LTV 75%:
1.70% discount for 5 years
Initial rate
2.40%
then 4.10% (variable)
Monthly repayments
£555
Scheme fees
£1,200
Annual cost
£6,894
Fees and charges
Booking fee £0
Arrangement fee £950
Valuation fee £250
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 5 years
Other info
Exit fee £115
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 2.40% and then on a variable rate of 4.10% for the remaining 20 years would require 60 payments of £554 and 240 payments of £645. The total amount payable would be £189,240 made up of the loan amount plus interest (£63,040) and fees (£1,200). The overall cost for comparison is 3.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
0808 292 0724
Principality
Max LTV 60%:
2.25% discount to 30/11/24
Initial rate
2.40%
then 4.65% (variable)
Monthly repayments
£555
Scheme fees
£0
Annual cost
£6,654
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 30/11/24
Other info
Exit fee £65
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.40% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £554 and 276 payments of £694. The total amount payable would be £204,840 made up of the loan amount plus interest (£79,840) and fees (£0). 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
The Mortgage Works
Max LTV 75%:
Base +0.74% to 30/09/24
Initial rate
2.49%
then 5.74% (variable)
Monthly repayments
£560
Scheme fees
£2,634
Annual cost
£8,039
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:
0.75% reducing to 5% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.49% and then on a variable rate of 5.74% for the remaining 23 years would require 24 payments of £560 and 276 payments of £768. The total amount payable would be £228,042 made up of the loan amount plus interest (£100,408) and fees (£2,634). The overall cost for comparison is 5.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Base +0.74% to 30/09/24
Initial rate
2.49%
then 5.24% (variable)
Monthly repayments
£560
Scheme fees
£1,894
Annual cost
£7,669
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.75% reducing to 0.50% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.49% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £560 and 276 payments of £734. The total amount payable would be £217,918 made up of the loan amount plus interest (£91,024) and fees (£1,894). 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
Principality
Max LTV 70%:
2.15% discount to 30/11/24
Initial rate
2.50%
then 4.65% (variable)
Monthly repayments
£561
Scheme fees
£0
Annual cost
£6,729
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 30/11/24
Other info
Exit fee £65
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.50% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £560 and 276 payments of £694. The total amount payable would be £204,984 made up of the loan amount plus interest (£79,984) and fees (£0). The overall cost for comparison is 4.5% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
0808 292 0724
Skipton
Max LTV 60%:
Base +0.83% for 2 years
Initial rate
2.58%
then 5.09% (variable)
Monthly repayments
£566
Scheme fees
£995
Annual cost
£7,287
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.58% and then on a variable rate of 5.09% for the remaining 23 years would require 24 payments of £565 and 276 payments of £724. The total amount payable would be £214,379 made up of the loan amount plus interest (£88,384) and fees (£995). The overall cost for comparison is 4.8% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 4.8% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Base +0.74% to 30/09/24
Initial rate
2.59%
then 5.74% (variable)
Monthly repayments
£566
Scheme fees
£1,894
Annual cost
£7,744
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.75% reducing to 0.50% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.59% and then on a variable rate of 5.74% for the remaining 23 years would require 24 payments of £566 and 276 payments of £769. The total amount payable would be £227,722 made up of the loan amount plus interest (£100,828) and fees (£1,894). The overall cost for comparison is 5.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.3% APRC
?
0808 292 0724
Principality
Max LTV 75%:
2.05% discount to 30/11/24
Initial rate
2.60%
then 4.65% (variable)
Monthly repayments
£567
Scheme fees
£0
Annual cost
£6,805
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 30/11/24
Other info
Exit fee £65
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.60% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £567 and 276 payments of £695. The total amount payable would be £205,428 made up of the loan amount plus interest (£80,428) and fees (£0). The overall cost for comparison is 4.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 30/09/24
Initial rate
2.69%
then 5.24% (variable)
Monthly repayments
£573
Scheme fees
£3,139
Annual cost
£8,443
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:
2% reducing to 1% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.69% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £572 and 276 payments of £735. The total amount payable would be £219,727 made up of the loan amount plus interest (£91,588) and fees (£3,139). The overall cost for comparison is 5.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 30/09/24
Initial rate
2.79%
then 5.74% (variable)
Monthly repayments
£579
Scheme fees
£3,139
Annual cost
£8,520
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:
2% reducing to 1% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.79% and then on a variable rate of 5.74% for the remaining 23 years would require 24 payments of £579 and 276 payments of £770. The total amount payable would be £229,555 made up of the loan amount plus interest (£101,416) and fees (£3,139). The overall cost for comparison is 5.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.6% APRC
?
0808 292 0724
Leek United
Max LTV 75%:
3.04% discount for 2 years
Initial rate
2.80%
then 5.84% (variable)
Monthly repayments
£580
Scheme fees
-£101
Annual cost
£6,908
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.80% and then on a variable rate of 5.84% for the remaining 23 years would require 24 payments of £579 and 276 payments of £777. The total amount payable would be £228,247 made up of the loan amount plus interest (£103,348) and fees (-£101). The overall cost for comparison is 5.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.4% APRC
?
0808 292 0724
Newbury
Max LTV 75%:
1.30% discount for 3 years
Initial rate
2.80%
then 4.10% (variable)
Monthly repayments
£580
Scheme fees
£2,049
Annual cost
£7,641
Fees and charges
Booking fee £0
Arrangement fee £1,500
Valuation fee £250
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 3 years
Other info
Exit fee £115
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 2.80% and then on a variable rate of 4.10% for the remaining 22 years would require 36 payments of £579 and 264 payments of £657. The total amount payable would be £196,341 made up of the loan amount plus interest (£69,292) and fees (£2,049). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Base +1.09% to 30/09/24
Initial rate
2.84%
then 5.24% (variable)
Monthly repayments
£582
Scheme fees
£639
Annual cost
£7,308
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.75% reducing to 5% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.84% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £582 and 276 payments of £736. The total amount payable would be £217,743 made up of the loan amount plus interest (£92,104) and fees (£639). The overall cost for comparison is 4.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 30/09/24
Initial rate
2.89%
then 5.24% (variable)
Monthly repayments
£586
Scheme fees
£2,500
Annual cost
£8,278
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/24
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.89% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £585 and 276 payments of £736. The total amount payable would be £219,676 made up of the loan amount plus interest (£92,176) and fees (£2,500). The overall cost for comparison is 5.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
0808 292 0724
Mansfield
Max LTV 75%:
3.06% discount for 3 years
Initial rate
2.93%
then 5.99% (variable)
Monthly repayments
£588
Scheme fees
£2,023
Annual cost
£7,733
Fees and charges
Booking fee £199
Arrangement fee £1,300
Valuation fee £225
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% for 3 years
Other info
Exit fee £125
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 2.93% and then on a variable rate of 5.99% for the remaining 22 years would require 36 payments of £588 and 264 payments of £780. The total amount payable would be £229,111 made up of the loan amount plus interest (£102,088) and fees (£2,023). 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
Mansfield
Max LTV 75%:
3.06% discount for 2 years
Initial rate
2.93%
then 5.99% (variable)
Monthly repayments
£588
Scheme fees
£2,023
Annual cost
£8,070
Fees and charges
Booking fee £199
Arrangement fee £1,300
Valuation fee £225
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £125
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.93% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £588 and 276 payments of £788. The total amount payable would be £233,623 made up of the loan amount plus interest (£106,600) and fees (£2,023). The overall cost for comparison is 5.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.5% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Base +1.19% to 30/09/24
Initial rate
2.94%
then 5.74% (variable)
Monthly repayments
£589
Scheme fees
£639
Annual cost
£7,386
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.75% reducing to 5% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.94% and then on a variable rate of 5.74% for the remaining 23 years would require 24 payments of £588 and 276 payments of £771. The total amount payable would be £227,547 made up of the loan amount plus interest (£101,908) and fees (£639). The overall cost for comparison is 5.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.3% APRC
?
0808 292 0724
Yorkshire Bank
Max LTV 60%:
Fixed to 31/01/24
Initial rate
2.99%
then 5.85% (variable)
Monthly repayments
£592
Scheme fees
£999
Annual cost
£7,605
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 31/01/24
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.99% and then on a variable rate of 5.85% for the remaining 23 years would require 24 payments of £592 and 276 payments of £779. The total amount payable would be £230,211 made up of the loan amount plus interest (£104,212) and fees (£999). The overall cost for comparison is 4.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 30/09/24
Initial rate
2.99%
then 5.74% (variable)
Monthly repayments
£592
Scheme fees
£2,500
Annual cost
£8,355
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/24
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.99% and then on a variable rate of 5.74% for the remaining 23 years would require 24 payments of £592 and 276 payments of £771. The total amount payable would be £229,504 made up of the loan amount plus interest (£102,004) and fees (£2,500). The overall cost for comparison is 5.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.6% APRC
?
0808 292 0724
West Brom
Max LTV 75%:
1.80% discount to 30/11/24
Initial rate
2.99%
then 4.79% (variable)
Monthly repayments
£592
Scheme fees
£2,049
Annual cost
£8,130
Fees and charges
Booking fee £0
Arrangement fee £1,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
None
Other info
Exit fee £195
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.99% and then on a variable rate of 4.79% for the remaining 23 years would require 24 payments of £592 and 276 payments of £706. The total amount payable would be £211,113 made up of the loan amount plus interest (£84,064) and fees (£2,049). 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
Tipton & Coseley
Max LTV 70%:
3.30% discount to 30/09/25
Initial rate
2.99%
then 6.39% (variable)
Monthly repayments
£592
Scheme fees
£1,563
Annual cost
£7,626
Fees and charges
Booking fee £0
Arrangement fee £1,563
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
4% reducing to 1% until 30/09/25
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 2.99% and then on a variable rate of 6.39% for the remaining 22 years would require 36 payments of £592 and 264 payments of £808. The total amount payable would be £236,187 made up of the loan amount plus interest (£109,624) and fees (£1,563). The overall cost for comparison is 5.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 5.8% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Base +0.74% to 30/09/24
Initial rate
3.04%
then 5.24% (variable)
Monthly repayments
£595
Scheme fees
-£101
Annual cost
£7,094
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.75% reducing to 0.50% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 3.04% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £595 and 276 payments of £737. The total amount payable would be £217,591 made up of the loan amount plus interest (£92,692) and fees (-£101). The overall cost for comparison is 4.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/12/24
Initial rate
3.04%
then 5.69% (variable)
Monthly repayments
£595
Scheme fees
£1,994
Annual cost
£8,141
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% until 01/12/24
Other info
Exit fee £50
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.04% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £595 and 276 payments of £768. The total amount payable would be £228,242 made up of the loan amount plus interest (£101,248) and fees (£1,994). The overall cost for comparison is 5.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.5% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/12/25
Initial rate
3.04%
then 5.69% (variable)
Monthly repayments
£595
Scheme fees
£1,994
Annual cost
£7,809
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% until 01/12/25
Other info
Exit fee £50
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 3.04% and then on a variable rate of 5.69% for the remaining 22 years would require 36 payments of £595 and 264 payments of £761. The total amount payable would be £224,318 made up of the loan amount plus interest (£97,324) and fees (£1,994). The overall cost for comparison is 5.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.5% APRC
?
0808 292 0724
Paragon
Max LTV 75%:
3.01% discount for 2 years
Initial rate
3.09%
then 6.10% (variable)
Monthly repayments
£599
Scheme fees
£1,848
Annual cost
£8,108
Fees and charges
Booking fee £299
Arrangement fee £1,250
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 3.09% and then on a variable rate of 6.10% for the remaining 23 years would require 24 payments of £598 and 276 payments of £797. The total amount payable would be £236,172 made up of the loan amount plus interest (£109,324) and fees (£1,848). The overall cost for comparison is 5.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.9% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Base +0.74% to 30/09/24
Initial rate
3.14%
then 5.74% (variable)
Monthly repayments
£602
Scheme fees
-£101
Annual cost
£7,172
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.75% reducing to 0.50% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 3.14% and then on a variable rate of 5.74% for the remaining 23 years would require 24 payments of £601 and 276 payments of £772. The total amount payable would be £227,395 made up of the loan amount plus interest (£102,496) and fees (-£101). The overall cost for comparison is 5.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.3% APRC
?
0808 292 0724
Virgin Money
Max LTV 75%:
Fixed to 01/12/24
Initial rate
3.16%
then 5.69% (variable)
Monthly repayments
£603
Scheme fees
£1,994
Annual cost
£8,236
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% until 01/12/24
Other info
Exit fee £50
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.16% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £603 and 276 payments of £768. The total amount payable would be £228,434 made up of the loan amount plus interest (£101,440) and fees (£1,994). The overall cost for comparison is 5.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.6% APRC
?
0808 292 0724
Virgin Money
Max LTV 75%:
Fixed to 01/12/25
Initial rate
3.16%
then 5.69% (variable)
Monthly repayments
£603
Scheme fees
£1,994
Annual cost
£7,903
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% until 01/12/25
Other info
Exit fee £50
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 3.16% and then on a variable rate of 5.69% for the remaining 22 years would require 36 payments of £603 and 264 payments of £762. The total amount payable would be £224,870 made up of the loan amount plus interest (£97,876) and fees (£1,994). The overall cost for comparison is 5.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.4% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 30/09/27
Initial rate
3.19%
then 5.24% (variable)
Monthly repayments
£605
Scheme fees
£3,139
Annual cost
£7,890
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:
5% reducing to 1% until 30/09/27
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 3.19% and then on a variable rate of 5.24% for the remaining 20 years would require 60 payments of £605 and 240 payments of £722. The total amount payable would be £212,719 made up of the loan amount plus interest (£84,580) and fees (£3,139). The overall cost for comparison is 4.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
0808 292 0724
BM Solutions
Max LTV 60%:
Fixed to 30/09/27
Initial rate
3.20%
then 5.59% (variable)
Monthly repayments
£606
Scheme fees
£1,994
Annual cost
£7,669
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/09/27
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 3.20% and then on a variable rate of 5.59% for the remaining 20 years would require 60 payments of £605 and 240 payments of £743. The total amount payable would be £216,614 made up of the loan amount plus interest (£89,620) and fees (£1,994). The overall cost for comparison is 4.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
0808 292 0724
Leeds
Max LTV 60%:
Fixed to 31/10/24
Initial rate
3.22%
then 5.84% (variable)
Monthly repayments
£607
Scheme fees
£999
Annual cost
£7,786
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 31/10/24
Other info
Exit fee £199
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.22% and then on a variable rate of 5.84% for the remaining 23 years would require 24 payments of £607 and 276 payments of £779. The total amount payable would be £230,571 made up of the loan amount plus interest (£104,572) and fees (£999). The overall cost for comparison is 5.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 30/09/27
Initial rate
3.24%
then 5.74% (variable)
Monthly repayments
£608
Scheme fees
£3,139
Annual cost
£7,930
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:
5% reducing to 1% until 30/09/27
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 3.24% and then on a variable rate of 5.74% for the remaining 20 years would require 60 payments of £608 and 240 payments of £753. The total amount payable would be £220,339 made up of the loan amount plus interest (£92,200) and fees (£3,139). The overall cost for comparison is 5.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 30/09/24
Initial rate
3.24%
then 5.24% (variable)
Monthly repayments
£608
Scheme fees
£2,634
Annual cost
£8,619
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:
2% reducing to 1% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.24% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £608 and 276 payments of £738. The total amount payable would be £220,914 made up of the loan amount plus interest (£93,280) and fees (£2,634). The overall cost for comparison is 5.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
0808 292 0724
BM Solutions
Max LTV 60%:
Fixed to 30/09/24
Initial rate
3.27%
then 5.59% (variable)
Monthly repayments
£610
Scheme fees
£1,994
Annual cost
£8,323
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/24
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.27% and then on a variable rate of 5.59% for the remaining 23 years would require 24 payments of £610 and 276 payments of £762. The total amount payable would be £226,946 made up of the loan amount plus interest (£99,952) and fees (£1,994). The overall cost for comparison is 5.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.4% APRC
?
0808 292 0724
BM Solutions
Max LTV 75%:
Fixed to 30/09/24
Initial rate
3.29%
then 5.59% (variable)
Monthly repayments
£612
Scheme fees
£1,994
Annual cost
£8,338
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/24
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.29% and then on a variable rate of 5.59% for the remaining 23 years would require 24 payments of £611 and 276 payments of £762. The total amount payable would be £226,970 made up of the loan amount plus interest (£99,976) and fees (£1,994). The overall cost for comparison is 5.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.4% APRC
?
0808 292 0724
Nottingham
Max LTV 75%:
Fixed to 30/09/24
Initial rate
3.29%
then 6.54% (variable)
Monthly repayments
£612
Scheme fees
£999
Annual cost
£7,841
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 1% until 30/09/24
Other info
Exit fee £140
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.29% and then on a variable rate of 6.54% for the remaining 23 years would require 24 payments of £611 and 276 payments of £830. The total amount payable would be £244,743 made up of the loan amount plus interest (£118,744) and fees (£999). The overall cost for comparison is 6.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
0808 292 0724
Monmouthshire BS
Max LTV 75%:
2.20% discount for 2 years
Initial rate
3.29%
then 5.49% (variable)
Monthly repayments
£612
Scheme fees
£999
Annual cost
£7,841
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 5% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 3.29% and then on a variable rate of 5.49% for the remaining 23 years would require 24 payments of £611 and 276 payments of £755. The total amount payable would be £224,043 made up of the loan amount plus interest (£98,044) and fees (£999). The overall cost for comparison is 4.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 30/09/27
Initial rate
3.29%
then 5.24% (variable)
Monthly repayments
£612
Scheme fees
£2,500
Annual cost
£7,841
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/09/27
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 3.29% and then on a variable rate of 5.24% for the remaining 20 years would require 60 payments of £611 and 240 payments of £723. The total amount payable would be £212,680 made up of the loan amount plus interest (£85,180) and fees (£2,500). The overall cost for comparison is 4.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
0808 292 0724
TSB
Max LTV 60%:
Fixed to 30/09/24
Initial rate
3.29%
then 6.09% (variable)
Monthly repayments
£612
Scheme fees
£994
Annual cost
£7,838
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/24
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.29% and then on a variable rate of 6.09% for the remaining 23 years would require 24 payments of £611 and 276 payments of £797. The total amount payable would be £235,630 made up of the loan amount plus interest (£109,636) and fees (£994). The overall cost for comparison is 5.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.3% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/12/24
Initial rate
3.34%
then 5.69% (variable)
Monthly repayments
£615
Scheme fees
£994
Annual cost
£7,878
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% until 01/12/24
Other info
Exit fee £50
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.34% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £615 and 276 payments of £769. The total amount payable would be £227,998 made up of the loan amount plus interest (£102,004) and fees (£994). The overall cost for comparison is 5.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.5% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/12/25
Initial rate
3.34%
then 5.69% (variable)
Monthly repayments
£615
Scheme fees
£994
Annual cost
£7,713
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% until 01/12/25
Other info
Exit fee £50
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 3.34% and then on a variable rate of 5.69% for the remaining 22 years would require 36 payments of £615 and 264 payments of £763. The total amount payable would be £224,566 made up of the loan amount plus interest (£98,572) and fees (£994). The overall cost for comparison is 5.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.4% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 30/09/24
Initial rate
3.34%
then 5.24% (variable)
Monthly repayments
£615
Scheme fees
£1,995
Annual cost
£8,379
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:
2% reducing to 1% until 30/09/24
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.34% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £615 and 276 payments of £738. The total amount payable would be £220,443 made up of the loan amount plus interest (£93,448) and fees (£1,995). The overall cost for comparison is 5.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 30/09/24
Initial rate
3.34%
then 5.74% (variable)
Monthly repayments
£615
Scheme fees
£2,634
Annual cost
£8,698
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:
2% reducing to 1% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.34% and then on a variable rate of 5.74% for the remaining 23 years would require 24 payments of £615 and 276 payments of £773. The total amount payable would be £230,742 made up of the loan amount plus interest (£103,108) and fees (£2,634). The overall cost for comparison is 5.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.7% APRC
?
0808 292 0724
BM Solutions
Max LTV 60%:
Fixed to 30/09/27
Initial rate
3.34%
then 5.59% (variable)
Monthly repayments
£615
Scheme fees
£994
Annual cost
£7,580
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/09/27
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 3.34% and then on a variable rate of 5.59% for the remaining 20 years would require 60 payments of £615 and 240 payments of £745. The total amount payable would be £216,694 made up of the loan amount plus interest (£90,700) and fees (£994). The overall cost for comparison is 4.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
0808 292 0724
Leek United
Max LTV 75%:
Fixed to 31/10/24
Initial rate
3.35%
then 5.84% (variable)
Monthly repayments
£616
Scheme fees
£894
Annual cost
£7,836
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 31/10/24
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.35% and then on a variable rate of 5.84% for the remaining 23 years would require 24 payments of £615 and 276 payments of £780. The total amount payable would be £230,934 made up of the loan amount plus interest (£105,040) and fees (£894). The overall cost for comparison is 5.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.5% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 30/09/27
Initial rate
3.39%
then 5.74% (variable)
Monthly repayments
£618
Scheme fees
£2,500
Annual cost
£7,921
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/09/27
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 3.39% and then on a variable rate of 5.74% for the remaining 20 years would require 60 payments of £618 and 240 payments of £755. The total amount payable would be £220,780 made up of the loan amount plus interest (£93,280) and fees (£2,500). The overall cost for comparison is 5.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 30/09/24
Initial rate
3.39%
then 5.74% (variable)
Monthly repayments
£618
Scheme fees
£1,995
Annual cost
£8,419
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:
2% reducing to 1% until 30/09/24
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.39% and then on a variable rate of 5.74% for the remaining 23 years would require 24 payments of £618 and 276 payments of £773. The total amount payable would be £230,175 made up of the loan amount plus interest (£103,180) and fees (£1,995). The overall cost for comparison is 5.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.5% APRC
?
0808 292 0724
Platform
Max LTV 60%:
Fixed to 30/11/27
Initial rate
3.39%
then 5.49% (variable)
Monthly repayments
£618
Scheme fees
£1,499
Annual cost
£7,721
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/11/27
Other info
Exit fee £100
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 3.39% and then on a variable rate of 5.49% for the remaining 20 years would require 60 payments of £618 and 240 payments of £740. The total amount payable would be £216,179 made up of the loan amount plus interest (£89,680) and fees (£1,499). The overall cost for comparison is 4.8% APRC representative.
Max LTV 60% 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 1453 Reviews.co.uk respondents. Read our reviews

Getting the right Buy to Let mortgage deal

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

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

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

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

In this guide

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

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

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

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Who can get a Buy to Let mortgage?

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

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

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Find the best Buy to Let mortgage rates and deals

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

Step 1

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

Step 2

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

Step 3

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

Step 4

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

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

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

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

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

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Buy to Let FAQs

What is a Buy to Let mortgage?

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

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

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

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

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

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

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

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

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

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Remortgage deals
First time buyer deals
Moving home deals
Buy to Let deals
Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.
Representative example A mortgage of £221,317 payable over 23 years, initially on a fixed rate until 31/05/27 at 2.09% and then on a variable rate of 4.24% for the the remaining 18 years would require 61 payments of £1,010.67 followed by 215 payments of £1,203.92. The total amount payable would be £321,608 made up of the loan amount plus interest (£99,177) and fees (£1,114). The overall cost for comparison is 3.4% APRC representative.
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