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The Mortgage Works
Max LTV 65%:
Base +0.69% to 31/01/21
Initial rate
1.44%
then 4.74% (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:
2% reducing to 1% until 31/01/21
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.44% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £496 and 276 payments of £694. The total amount payable would be £205,783 made up of the loan amount plus interest (£78,448) 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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Leeds
Max LTV 60%:
Base +0.71% to 31/01/21
Initial rate
1.46%
then 5.99% (variable)
Monthly repayments
£498
Scheme fees
£999
Annual cost
£6,470
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 31/03/21
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.46% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £497 and 276 payments of £779. The total amount payable would be £227,931 made up of the loan amount plus interest (£101,932) and fees (£999). The overall cost for comparison is 5.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Sainsburys
Max LTV 60%:
Fixed to 30/04/21
Initial rate
1.49%
then 5.24% (variable)
Monthly repayments
£499
Scheme fees
£2,021
Annual cost
£7,002
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £276
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/04/21
Other info
Exit fee £100
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.49% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £499 and 276 payments of £727. The total amount payable would be £214,649 made up of the loan amount plus interest (£87,628) and fees (£2,021). The overall cost for comparison is 4.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
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The Mortgage Works
Max LTV 65%:
Fixed to 31/01/21
Initial rate
1.49%
then 4.74% (variable)
Monthly repayments
£499
Scheme fees
£2,335
Annual cost
£7,159
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 31/01/21
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 1.49% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £499 and 276 payments of £694. The total amount payable would be £205,855 made up of the loan amount plus interest (£78,520) 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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TSB
Max LTV 60%:
Fixed to 28/02/21
Initial rate
1.49%
then 5.09% (variable)
Monthly repayments
£499
Scheme fees
£1,745
Annual cost
£6,864
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 28/02/21
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.49% and then on a variable rate of 5.09% for the remaining 23 years would require 24 payments of £499 and 276 payments of £717. The total amount payable would be £211,613 made up of the loan amount plus interest (£84,868) and fees (£1,745). The overall cost for comparison is 4.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Barclays
Max LTV 60%:
Fixed to 31/01/21
Initial rate
1.59%
then 5.24% (variable)
Monthly repayments
£505
Scheme fees
£2,025
Annual cost
£7,075
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 31/01/21
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 1.59% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £505 and 276 payments of £728. The total amount payable would be £215,073 made up of the loan amount plus interest (£88,048) and fees (£2,025). The overall cost for comparison is 4.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
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Accord
Max LTV 60%:
Fixed to 31/03/21
Initial rate
1.63%
then 4.99% (variable)
Monthly repayments
£508
Scheme fees
£995
Annual cost
£6,589
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2.5% reducing to 1.5% until 31/03/21
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 1.63% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £507 and 276 payments of £712. The total amount payable would be £209,675 made up of the loan amount plus interest (£83,680) and fees (£995). 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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Skipton
Max LTV 60%:
Fixed to 28/02/21
Initial rate
1.64%
then 5.19% (variable)
Monthly repayments
£508
Scheme fees
£1,995
Annual cost
£7,096
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 28/02/21
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.64% and then on a variable rate of 5.19% for the remaining 23 years would require 24 payments of £508 and 276 payments of £725. The total amount payable would be £214,287 made up of the loan amount plus interest (£87,292) and fees (£1,995). The overall cost for comparison is 4.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
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The Mortgage Works
Max LTV 50%:
Fixed to 31/01/21
Initial rate
1.64%
then 4.74% (variable)
Monthly repayments
£508
Scheme fees
£1,745
Annual cost
£6,971
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 31/01/21
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 £205,757 made up of the loan amount plus interest (£79,012) and fees (£1,745). The overall cost for comparison is 4.3% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
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The Mortgage Works
Max LTV 65%:
Base +0.89% to 31/01/21
Initial rate
1.64%
then 4.74% (variable)
Monthly repayments
£508
Scheme fees
£1,745
Annual cost
£6,971
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/21
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.64% 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 £205,757 made up of the loan amount plus interest (£79,012) and fees (£1,745). 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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Post Office
Max LTV 70%:
Fixed to 31/03/21
Initial rate
1.64%
then 5.24% (variable)
Monthly repayments
£508
Scheme fees
£1,495
Annual cost
£6,846
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 31/03/21
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 1.64% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £508 and 276 payments of £728. The total amount payable would be £214,615 made up of the loan amount plus interest (£88,120) and fees (£1,495). The overall cost for comparison is 4.7% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Leeds
Max LTV 60%:
Fixed to 31/03/21
Initial rate
1.64%
then 5.99% (variable)
Monthly repayments
£508
Scheme fees
£1,999
Annual cost
£7,098
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 31/03/21
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.64% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £508 and 276 payments of £780. The total amount payable would be £229,471 made up of the loan amount plus interest (£102,472) 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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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Virgin Money
Max LTV 60%:
Fixed to 01/05/21
Initial rate
1.65%
then 5.19% (variable)
Monthly repayments
£509
Scheme fees
£1,709
Annual cost
£6,960
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/05/21
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.65% and then on a variable rate of 5.19% for the remaining 23 years would require 24 payments of £508 and 276 payments of £725. The total amount payable would be £214,001 made up of the loan amount plus interest (£87,292) and fees (£1,709). The overall cost for comparison is 4.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
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Godiva
Max LTV 50%:
Fixed to 31/01/21
Initial rate
1.66%
then 4.99% (variable)
Monthly repayments
£509
Scheme fees
£1,999
Annual cost
£7,112
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/21
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 1.66% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £509 and 276 payments of £712. The total amount payable would be £210,727 made up of the loan amount plus interest (£83,728) and fees (£1,999). The overall cost for comparison is 4.7% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
Enquire Continue online
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
The Mortgage Works
Max LTV 50%:
Fixed to 31/01/21
Initial rate
1.69%
then 4.74% (variable)
Monthly repayments
£511
Scheme fees
£1,000
Annual cost
£6,634
Fees and charges
Booking fee £0
Arrangement fee £1,250
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/01/21
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 1.69% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £511 and 276 payments of £695. The total amount payable would be £205,084 made up of the loan amount plus interest (£79,084) and fees (£1,000). The overall cost for comparison is 4.4% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
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HSBC
Max LTV 60%:
Fixed to 31/01/21
Initial rate
1.69%
then 5.25% (variable)
Monthly repayments
£511
Scheme fees
£1,999
Annual cost
£7,133
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/21
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 1.69% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £511 and 276 payments of £729. The total amount payable would be £215,467 made up of the loan amount plus interest (£88,468) and fees (£1,999). The overall cost for comparison is 4.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
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Post Office
Max LTV 75%:
Fixed to 31/03/21
Initial rate
1.69%
then 5.24% (variable)
Monthly repayments
£511
Scheme fees
£1,495
Annual cost
£6,881
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 31/03/21
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 1.69% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £511 and 276 payments of £729. The total amount payable would be £214,963 made up of the loan amount plus interest (£88,468) and fees (£1,495). The overall cost for comparison is 4.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
Enquire Continue online
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Sainsburys
Max LTV 60%:
Fixed to 30/04/21
Initial rate
1.70%
then 5.24% (variable)
Monthly repayments
£512
Scheme fees
£1,021
Annual cost
£6,652
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £276
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/04/21
Other info
Exit fee £100
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.70% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £511 and 276 payments of £729. The total amount payable would be £214,489 made up of the loan amount plus interest (£88,468) and fees (£1,021). The overall cost for comparison is 4.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Enquire Continue online
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Sainsburys
Max LTV 75%:
Fixed to 30/04/21
Initial rate
1.70%
then 5.24% (variable)
Monthly repayments
£512
Scheme fees
£2,021
Annual cost
£7,152
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £276
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/04/21
Other info
Exit fee £100
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.70% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £511 and 276 payments of £729. The total amount payable would be £215,489 made up of the loan amount plus interest (£88,468) and fees (£2,021). The overall cost for comparison is 5.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
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Principality
Max LTV 60%:
3.35% discount to 31/01/21
Initial rate
1.70%
then 5.05% (variable)
Monthly repayments
£512
Scheme fees
£1,275
Annual cost
£6,779
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £380
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% until 31/01/21
Other info
Exit fee £155
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.70% and then on a variable rate of 5.05% for the remaining 23 years would require 24 payments of £511 and 276 payments of £716. The total amount payable would be £211,155 made up of the loan amount plus interest (£84,880) and fees (£1,275). The overall cost for comparison is 4.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
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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 31/03/21
Initial rate
1.71%
then 5.24% (variable)
Monthly repayments
£512
Scheme fees
£995
Annual cost
£6,646
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 31/03/21
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 1.71% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £512 and 276 payments of £729. The total amount payable would be £214,487 made up of the loan amount plus interest (£88,492) and fees (£995). 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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Leeds
Max LTV 60%:
Fixed to 31/03/21
Initial rate
1.71%
then 5.99% (variable)
Monthly repayments
£512
Scheme fees
£999
Annual cost
£6,648
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 31/03/21
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 1.71% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £512 and 276 payments of £780. The total amount payable would be £228,567 made up of the loan amount plus interest (£102,568) 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
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Skipton
Max LTV 70%:
Fixed to 28/02/21
Initial rate
1.73%
then 5.19% (variable)
Monthly repayments
£514
Scheme fees
£1,995
Annual cost
£7,160
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 28/02/21
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.73% and then on a variable rate of 5.19% for the remaining 23 years would require 24 payments of £513 and 276 payments of £726. The total amount payable would be £214,683 made up of the loan amount plus interest (£87,688) and fees (£1,995). The overall cost for comparison is 4.9% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
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Platform
Max LTV 60%:
Base+0.99% for 2 years
Initial rate
1.74%
then 5.25% (variable)
Monthly repayments
£514
Scheme fees
£1,678
Annual cost
£7,009
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £179
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% for 2 years
Other info
Exit fee £74
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 5.25% for the remaining 23 years would require 24 payments of £514 and 276 payments of £730. The total amount payable would be £215,494 made up of the loan amount plus interest (£88,816) and fees (£1,678). 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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Hinckley & Rugby
Max LTV 75%:
4.40% discount for 2 years
Initial rate
1.74%
then 6.14% (variable)
Monthly repayments
£514
Scheme fees
£3,564
Annual cost
£7,952
Fees and charges
Booking fee £250
Arrangement fee £2,999
Valuation fee £315
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £150
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 6.14% for the remaining 23 years would require 24 payments of £514 and 276 payments of £791. The total amount payable would be £234,216 made up of the loan amount plus interest (£105,652) and fees (£3,564). The overall cost for comparison is 5.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 5.2% APRC
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Natwest
Max LTV 60%:
Fixed to 31/03/21
Initial rate
1.74%
then 4.74% (variable)
Monthly repayments
£514
Scheme fees
£1,243
Annual cost
£6,791
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 31/03/21
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 4.74% for the remaining 23 years would require 24 payments of £514 and 276 payments of £696. The total amount payable would be £205,675 made up of the loan amount plus interest (£79,432) and fees (£1,243). 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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TSB
Max LTV 75%:
Fixed to 28/02/21
Initial rate
1.74%
then 5.09% (variable)
Monthly repayments
£514
Scheme fees
£1,745
Annual cost
£7,042
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 28/02/21
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 5.09% for the remaining 23 years would require 24 payments of £514 and 276 payments of £719. The total amount payable would be £212,525 made up of the loan amount plus interest (£85,780) and fees (£1,745). The overall cost for comparison is 4.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Principality
Max LTV 70%:
3.30% discount to 31/01/21
Initial rate
1.75%
then 5.05% (variable)
Monthly repayments
£515
Scheme fees
£1,275
Annual cost
£6,814
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £380
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% until 31/01/21
Other info
Exit fee £155
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.75% and then on a variable rate of 5.05% for the remaining 23 years would require 24 payments of £514 and 276 payments of £716. The total amount payable would be £211,227 made up of the loan amount plus interest (£84,952) and fees (£1,275). The overall cost for comparison is 4.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
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Godiva
Max LTV 65%:
Fixed to 31/01/21
Initial rate
1.76%
then 4.99% (variable)
Monthly repayments
£515
Scheme fees
£1,999
Annual cost
£7,183
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/21
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 1.76% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £515 and 276 payments of £712. The total amount payable would be £210,871 made up of the loan amount plus interest (£83,872) and fees (£1,999). The overall cost for comparison is 4.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Virgin Money
Max LTV 70%:
Fixed to 01/05/21
Initial rate
1.78%
then 5.19% (variable)
Monthly repayments
£517
Scheme fees
£1,709
Annual cost
£7,053
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/05/21
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.78% and then on a variable rate of 5.19% for the remaining 23 years would require 24 payments of £516 and 276 payments of £726. The total amount payable would be £214,469 made up of the loan amount plus interest (£87,760) and fees (£1,709). The overall cost for comparison is 4.9% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
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Post Office
Max LTV 75%:
Fixed to 31/03/21
Initial rate
1.78%
then 5.24% (variable)
Monthly repayments
£517
Scheme fees
£995
Annual cost
£6,696
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 31/03/21
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 1.78% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £516 and 276 payments of £729. The total amount payable would be £214,583 made up of the loan amount plus interest (£88,588) and fees (£995). The overall cost for comparison is 4.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
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Leek United
Max LTV 65%:
3.90% discount for 2 years
Initial rate
1.79%
then 5.69% (variable)
Monthly repayments
£517
Scheme fees
£199
Annual cost
£6,305
Fees and charges
Booking fee £199
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.79% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £517 and 276 payments of £760. The total amount payable would be £222,367 made up of the loan amount plus interest (£97,168) and fees (£199). The overall cost for comparison is 5.3% APRC representative.
Max LTV 65% No Early Repayment Charges
Overall cost for comparison 5.3% APRC
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Virgin Money
Max LTV 75%:
Fixed to 01/05/21
Initial rate
1.79%
then 5.19% (variable)
Monthly repayments
£517
Scheme fees
£1,709
Annual cost
£7,060
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/05/21
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.79% and then on a variable rate of 5.19% for the remaining 23 years would require 24 payments of £517 and 276 payments of £726. The total amount payable would be £214,493 made up of the loan amount plus interest (£87,784) and fees (£1,709). 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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Virgin Money
Max LTV 60%:
Fixed to 01/05/21
Initial rate
1.79%
then 5.19% (variable)
Monthly repayments
£517
Scheme fees
£709
Annual cost
£6,560
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/05/21
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.79% and then on a variable rate of 5.19% for the remaining 23 years would require 24 payments of £517 and 276 payments of £726. The total amount payable would be £213,493 made up of the loan amount plus interest (£87,784) and fees (£709). The overall cost for comparison is 4.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
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TSB
Max LTV 60%:
Fixed to 28/02/21
Initial rate
1.79%
then 5.09% (variable)
Monthly repayments
£517
Scheme fees
£745
Annual cost
£6,578
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 28/02/21
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 1.79% and then on a variable rate of 5.09% for the remaining 23 years would require 24 payments of £517 and 276 payments of £719. The total amount payable would be £211,597 made up of the loan amount plus interest (£85,852) and fees (£745). 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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Barclays
Max LTV 60%:
Fixed to 31/01/21
Initial rate
1.79%
then 5.24% (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 31/01/21
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 5.24% for the remaining 23 years would require 24 payments of £517 and 276 payments of £729. The total amount payable would be £216,592 made up of the loan amount plus interest (£88,612) and fees (£2,980). The overall cost for comparison is 4.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Accord
Max LTV 60%:
Fixed to 31/03/21
Initial rate
1.80%
then 4.99% (variable)
Monthly repayments
£518
Scheme fees
£450
Annual cost
£6,438
Fees and charges
Booking fee £0
Arrangement fee £950
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2.5% reducing to 1.5% until 31/03/21
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 1.80% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £517 and 276 payments of £713. The total amount payable would be £209,646 made up of the loan amount plus interest (£84,196) and fees (£450). 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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Leeds
Max LTV 70%:
Fixed to 31/03/21
Initial rate
1.82%
then 5.99% (variable)
Monthly repayments
£519
Scheme fees
£1,999
Annual cost
£7,227
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 31/03/21
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 1.82% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £518 and 276 payments of £781. The total amount payable would be £229,987 made up of the loan amount plus interest (£102,988) and fees (£1,999). The overall cost for comparison is 5.2% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 5.2% APRC
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The Mortgage Works
Max LTV 65%:
Fixed to 31/01/21
Initial rate
1.84%
then 4.74% (variable)
Monthly repayments
£520
Scheme fees
£745
Annual cost
£6,614
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:
3% reducing to 2% until 31/01/21
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 1.84% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £520 and 276 payments of £696. The total amount payable would be £205,321 made up of the loan amount plus interest (£79,576) and fees (£745). 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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Barclays
Max LTV 75%:
Fixed to 31/01/21
Initial rate
1.84%
then 5.24% (variable)
Monthly repayments
£520
Scheme fees
£2,025
Annual cost
£7,254
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 31/01/21
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 1.84% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £520 and 276 payments of £730. The total amount payable would be £215,985 made up of the loan amount plus interest (£88,960) and fees (£2,025). 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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Platform
Max LTV 65%:
Fixed to 28/02/21
Initial rate
1.84%
then 5.25% (variable)
Monthly repayments
£520
Scheme fees
£1,678
Annual cost
£7,081
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £179
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 28/02/21
Other info
Exit fee £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.84% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £520 and 276 payments of £730. The total amount payable would be £215,638 made up of the loan amount plus interest (£88,960) and fees (£1,678). The overall cost for comparison is 4.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Platform
Max LTV 60%:
Fixed to 28/02/21
Initial rate
1.84%
then 5.25% (variable)
Monthly repayments
£520
Scheme fees
£928
Annual cost
£6,706
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £179
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 28/02/21
Other info
Exit fee £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.84% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £520 and 276 payments of £730. The total amount payable would be £214,888 made up of the loan amount plus interest (£88,960) and fees (£928). The overall cost for comparison is 4.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Principality
Max LTV 60%:
Fixed to 31/01/21
Initial rate
1.85%
then 5.05% (variable)
Monthly repayments
£521
Scheme fees
£1,275
Annual cost
£6,886
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £380
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1.5% until 31/01/21
Other info
Exit fee £155
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 5.05% for the remaining 23 years would require 24 payments of £520 and 276 payments of £717. The total amount payable would be £211,647 made up of the loan amount plus interest (£85,372) and fees (£1,275). The overall cost for comparison is 4.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
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Virgin Money
Max LTV 60%:
Fixed to 01/05/22
Initial rate
1.85%
then 5.19% (variable)
Monthly repayments
£521
Scheme fees
£1,709
Annual cost
£6,819
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% until 01/05/22
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.85% and then on a variable rate of 5.19% for the remaining 22 years would require 36 payments of £520 and 264 payments of £717. The total amount payable would be £209,717 made up of the loan amount plus interest (£83,008) and fees (£1,709). The overall cost for comparison is 4.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Godiva
Max LTV 50%:
Fixed to 31/01/22
Initial rate
1.85%
then 4.99% (variable)
Monthly repayments
£521
Scheme fees
£1,999
Annual cost
£6,915
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 1% until 31/01/22
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 3 years at 1.85% and then on a variable rate of 4.99% for the remaining 22 years would require 36 payments of £520 and 264 payments of £705. The total amount payable would be £206,839 made up of the loan amount plus interest (£79,840) 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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Godiva
Max LTV 75%:
Fixed to 31/01/21
Initial rate
1.86%
then 4.99% (variable)
Monthly repayments
£521
Scheme fees
£1,999
Annual cost
£7,256
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/21
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 1.86% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £521 and 276 payments of £713. The total amount payable would be £211,291 made up of the loan amount plus interest (£84,292) and fees (£1,999). The overall cost for comparison is 4.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Accord
Max LTV 75%:
Fixed to 31/03/21
Initial rate
1.87%
then 4.99% (variable)
Monthly repayments
£522
Scheme fees
£1,245
Annual cost
£6,886
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2.5% reducing to 1.5% until 31/03/21
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 1.87% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £521 and 276 payments of £713. The total amount payable would be £210,537 made up of the loan amount plus interest (£84,292) and fees (£1,245). 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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HSBC
Max LTV 65%:
Fixed to 31/01/21
Initial rate
1.89%
then 5.25% (variable)
Monthly repayments
£523
Scheme fees
£1,999
Annual cost
£7,277
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/21
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 1.89% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £523 and 276 payments of £731. The total amount payable would be £216,307 made up of the loan amount plus interest (£89,308) and fees (£1,999). The overall cost for comparison is 5.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
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TSB
Max LTV 60%:
Fixed to 28/02/22
Initial rate
1.89%
then 5.09% (variable)
Monthly repayments
£523
Scheme fees
£1,745
Annual cost
£6,859
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 1% until 28/02/22
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 3 years at 1.89% and then on a variable rate of 5.09% for the remaining 22 years would require 36 payments of £523 and 264 payments of £711. The total amount payable would be £208,277 made up of the loan amount plus interest (£81,532) and fees (£1,745). The overall cost for comparison is 4.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
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Godiva
Max LTV 65%:
Fixed to 31/01/21
Initial rate
1.92%
then 4.99% (variable)
Monthly repayments
£525
Scheme fees
£1,999
Annual cost
£7,299
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
2% reducing to 1% until 31/01/21
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 1.92% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £524 and 276 payments of £713. The total amount payable would be £211,363 made up of the loan amount plus interest (£84,364) and fees (£1,999). The overall cost for comparison is 4.7% APRC representative.
Max LTV 65% No Early Repayment Charges
Overall cost for comparison 4.7% APRC
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When compiling our buy to let best buy tables we choose 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 get the best buy to let mortgage deal for your circumstances, saving you time and effort. Our best buy tables above show you the pick of the buy to let mortgage deals currently available, both fixed rates and variable rates, whether you are looking to purchase or remortgage.

After taking out a buy to let mortgage or another financial product, 92% of L&C customers would recommend us based on 1299 Reviews.co.uk respondents - as of 11/09/18. 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.

First time buyer
Buying a home
Remortgage your home
Buy to Let
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 £188,578 payable over 22 years, initially on a fixed rate until 31/12/23 at 2.19% and then on a variable rate of 4.74% for the remaining 17 years would require 62 payments of £900.79 and 202 payments of £1,094.12. The total amount payable would be £276,994 made up of the loan amount plus interest (£88,283) and fees (£133). The overall cost for comparison is 3.7% 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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