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COMPARE 1000S OF Buy to Let MORTGAGE RATES

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State Bank of India
Max LTV 50%:
Fixed for 2 years
Initial rate
3.90%
then 7.50% (variable)
Monthly repayments
£653
Scheme fees
£6,249
Annual cost
£10,959
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.90% and then on a variable rate of 7.50% for the remaining 23 years would require 24 payments of £652 and 276 payments of £904. The total amount payable would be £271,401 made up of the loan amount plus interest (£140,152) and fees (£6,249). The overall cost for comparison is 7.2% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 7.2% APRC
?
0808 292 0724
State Bank of India
Max LTV 65%:
Fixed for 2 years
Initial rate
3.95%
then 7.50% (variable)
Monthly repayments
£656
Scheme fees
£6,249
Annual cost
£11,001
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 3.95% and then on a variable rate of 7.50% for the remaining 23 years would require 24 payments of £656 and 276 payments of £905. The total amount payable would be £271,773 made up of the loan amount plus interest (£140,524) and fees (£6,249). The overall cost for comparison is 7.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.2% APRC
?
0808 292 0724
State Bank of India
Max LTV 70%:
Fixed for 2 years
Initial rate
4.05%
then 7.50% (variable)
Monthly repayments
£663
Scheme fees
£6,249
Annual cost
£11,084
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.05% and then on a variable rate of 7.50% for the remaining 23 years would require 24 payments of £663 and 276 payments of £905. The total amount payable would be £271,941 made up of the loan amount plus interest (£140,692) and fees (£6,249). The overall cost for comparison is 7.3% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0808 292 0724
Landbay
Max LTV 55%:
Fixed for 2 years
Initial rate
4.19%
then 8.74% (variable)
Monthly repayments
£673
Scheme fees
£8,313
Annual cost
£12,232
Fees and charges
Booking fee £0
Arrangement fee £7,500
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.19% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £672 and 276 payments of £1,002. The total amount payable would be £300,993 made up of the loan amount plus interest (£167,680) and fees (£8,313). The overall cost for comparison is 8.4% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 8.4% APRC
?
0808 292 0724
Kensington
Max LTV 70%:
Fixed for 2 years
Initial rate
4.19%
then 9.05% (variable)
Monthly repayments
£673
Scheme fees
£6,549
Annual cost
£11,350
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.19% and then on a variable rate of 9.05% for the remaining 23 years would require 24 payments of £672 and 276 payments of £1,027. The total amount payable would be £306,129 made up of the loan amount plus interest (£174,580) and fees (£6,549). The overall cost for comparison is 8.5% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 8.5% APRC
?
0808 292 0724
Landbay
Max LTV 65%:
Fixed for 2 years
Initial rate
4.29%
then 8.74% (variable)
Monthly repayments
£680
Scheme fees
£8,313
Annual cost
£12,316
Fees and charges
Booking fee £0
Arrangement fee £7,500
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.29% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £679 and 276 payments of £1,003. The total amount payable would be £301,437 made up of the loan amount plus interest (£168,124) and fees (£8,313). The overall cost for comparison is 8.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 8.4% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/01/26
Initial rate
4.34%
then 8.49% (variable)
Monthly repayments
£683
Scheme fees
£4,389
Annual cost
£10,396
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/01/26
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.34% and then on a variable rate of 8.49% for the remaining 23 years would require 24 payments of £683 and 276 payments of £983. The total amount payable would be £292,089 made up of the loan amount plus interest (£162,700) and fees (£4,389). The overall cost for comparison is 8.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 8.0% APRC
?
0808 292 0724
Precise
Max LTV 70%:
Fixed for 2 years
Initial rate
4.39%
then 8.50% (variable)
Monthly repayments
£687
Scheme fees
£7,014
Annual cost
£11,751
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £465
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
4% reducing to 3% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.39% and then on a variable rate of 8.50% for the remaining 23 years would require 24 payments of £687 and 276 payments of £985. The total amount payable would be £295,362 made up of the loan amount plus interest (£163,348) and fees (£7,014). The overall cost for comparison is 8.2% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 8.2% APRC
?
0808 292 0724
Landbay
Max LTV 75%:
Fixed for 2 years
Initial rate
4.39%
then 8.74% (variable)
Monthly repayments
£687
Scheme fees
£8,313
Annual cost
£12,401
Fees and charges
Booking fee £0
Arrangement fee £7,500
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.39% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £687 and 276 payments of £1,004. The total amount payable would be £301,905 made up of the loan amount plus interest (£168,592) and fees (£8,313). The overall cost for comparison is 8.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 8.4% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/01/26
Initial rate
4.49%
then 8.99% (variable)
Monthly repayments
£694
Scheme fees
£4,389
Annual cost
£10,523
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/01/26
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.49% and then on a variable rate of 8.99% for the remaining 23 years would require 24 payments of £694 and 276 payments of £1,024. The total amount payable would be £303,669 made up of the loan amount plus interest (£174,280) and fees (£4,389). The overall cost for comparison is 8.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 8.4% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 55%:
Fixed to 31/01/29
Initial rate
4.49%
then 8.49% (variable)
Monthly repayments
£694
Scheme fees
£4,389
Annual cost
£9,207
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/01/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £694 and 240 payments of £952. The total amount payable would be £274,509 made up of the loan amount plus interest (£145,120) and fees (£4,389). The overall cost for comparison is 7.1% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
BM Solutions
Max LTV 65%:
Fixed to 31/03/29
Initial rate
4.51%
then 9.59% (variable)
Monthly repayments
£696
Scheme fees
£3,998
Annual cost
£9,146
Fees and charges
Booking fee £0
Arrangement fee £3,999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.51% and then on a variable rate of 9.59% for the remaining 20 years would require 60 payments of £695 and 240 payments of £1,030. The total amount payable would be £292,898 made up of the loan amount plus interest (£163,900) and fees (£3,998). The overall cost for comparison is 7.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.7% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/01/29
Initial rate
4.54%
then 8.49% (variable)
Monthly repayments
£698
Scheme fees
£4,389
Annual cost
£9,249
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/01/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.54% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £697 and 240 payments of £953. The total amount payable would be £274,929 made up of the loan amount plus interest (£145,540) and fees (£4,389). The overall cost for comparison is 7.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
Kent Reliance
Max LTV 70%:
Fixed for 2 years
Initial rate
4.59%
then 8.50% (variable)
Monthly repayments
£701
Scheme fees
£6,944
Annual cost
£11,886
Fees and charges
Booking fee £145
Arrangement fee £6,250
Valuation fee £250
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? £499 p/m
Early Repayment Charge:
4% reducing to 3% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.59% and then on a variable rate of 8.50% for the remaining 23 years would require 24 payments of £701 and 276 payments of £986. The total amount payable would be £295,904 made up of the loan amount plus interest (£163,960) and fees (£6,944). The overall cost for comparison is 8.2% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 8.2% APRC
?
0808 292 0724
Natwest
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.59%
then 8.24% (variable)
Monthly repayments
£701
Scheme fees
£3,499
Annual cost
£9,114
Fees and charges
Booking fee £0
Arrangement fee £3,499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/03/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £701 and 240 payments of £936. The total amount payable would be £270,199 made up of the loan amount plus interest (£141,700) and fees (£3,499). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/02/29
Initial rate
4.62%
then 9.69% (variable)
Monthly repayments
£703
Scheme fees
£3,750
Annual cost
£9,190
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/02/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.62% and then on a variable rate of 9.69% for the remaining 20 years would require 60 payments of £703 and 240 payments of £1,039. The total amount payable would be £295,290 made up of the loan amount plus interest (£166,540) and fees (£3,750). The overall cost for comparison is 7.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
0808 292 0724
Keystone
Max LTV 65%:
Fixed for 2 years
Initial rate
4.64%
then 10.24% (variable)
Monthly repayments
£705
Scheme fees
£7,819
Annual cost
£12,367
Fees and charges
Booking fee £175
Arrangement fee £6,875
Valuation fee £470
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.64% and then on a variable rate of 10.24% for the remaining 23 years would require 24 payments of £704 and 276 payments of £1,127. The total amount payable would be £335,767 made up of the loan amount plus interest (£202,948) and fees (£7,819). The overall cost for comparison is 9.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 9.7% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 55%:
Fixed to 31/01/29
Initial rate
4.64%
then 8.49% (variable)
Monthly repayments
£705
Scheme fees
£3,750
Annual cost
£9,207
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/01/29
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.64% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £704 and 240 payments of £954. The total amount payable would be £274,950 made up of the loan amount plus interest (£146,200) and fees (£3,750). The overall cost for comparison is 7.1% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
Paragon
Max LTV 70%:
Fixed for 2 years
Initial rate
4.64%
then 8.35% (variable)
Monthly repayments
£705
Scheme fees
£6,848
Annual cost
£11,881
Fees and charges
Booking fee £299
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.64% and then on a variable rate of 8.35% for the remaining 23 years would require 24 payments of £704 and 276 payments of £974. The total amount payable would be £292,568 made up of the loan amount plus interest (£160,720) and fees (£6,848). The overall cost for comparison is 8.1% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 8.1% APRC
?
0808 292 0724
West Brom
Max LTV 70%:
Fixed to 31/03/26
Initial rate
4.64%
then 6.74% (variable)
Monthly repayments
£705
Scheme fees
£6,549
Annual cost
£11,732
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
3% reducing to 2% until 31/03/26
Other info
Exit fee £195
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.64% and then on a variable rate of 6.74% for the remaining 23 years would require 24 payments of £704 and 276 payments of £852. The total amount payable would be £258,597 made up of the loan amount plus interest (£127,048) and fees (£6,549). The overall cost for comparison is 6.7% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
0808 292 0724
Virgin Money
Max LTV 50%:
Fixed to 01/02/29
Initial rate
4.64%
then 9.69% (variable)
Monthly repayments
£705
Scheme fees
£2,195
Annual cost
£8,896
Fees and charges
Booking fee £0
Arrangement fee £2,195
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/02/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.64% and then on a variable rate of 9.69% for the remaining 20 years would require 60 payments of £704 and 240 payments of £1,039. The total amount payable would be £293,795 made up of the loan amount plus interest (£166,600) and fees (£2,195). The overall cost for comparison is 7.7% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 7.7% APRC
?
0808 292 0724
Kensington
Max LTV 75%:
Fixed for 2 years
Initial rate
4.64%
then 9.05% (variable)
Monthly repayments
£705
Scheme fees
£6,549
Annual cost
£11,732
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.64% and then on a variable rate of 9.05% for the remaining 23 years would require 24 payments of £704 and 276 payments of £1,030. The total amount payable would be £307,725 made up of the loan amount plus interest (£176,176) and fees (£6,549). The overall cost for comparison is 8.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 8.6% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/02/26
Initial rate
4.67%
then 9.69% (variable)
Monthly repayments
£707
Scheme fees
£3,750
Annual cost
£10,358
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% until 01/02/26
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.67% and then on a variable rate of 9.69% for the remaining 23 years would require 24 payments of £706 and 276 payments of £1,082. The total amount payable would be £319,326 made up of the loan amount plus interest (£190,576) and fees (£3,750). The overall cost for comparison is 9.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 9.0% APRC
?
0808 292 0724
Virgin Money
Max LTV 60%:
Fixed to 01/02/29
Initial rate
4.68%
then 9.69% (variable)
Monthly repayments
£708
Scheme fees
£2,195
Annual cost
£8,930
Fees and charges
Booking fee £0
Arrangement fee £2,195
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/02/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.68% and then on a variable rate of 9.69% for the remaining 20 years would require 60 payments of £707 and 240 payments of £1,040. The total amount payable would be £294,215 made up of the loan amount plus interest (£167,020) and fees (£2,195). The overall cost for comparison is 7.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.7% APRC
?
0808 292 0724
Landbay
Max LTV 55%:
Fixed for 5 years
Initial rate
4.69%
then 8.74% (variable)
Monthly repayments
£708
Scheme fees
£9,563
Annual cost
£10,413
Fees and charges
Booking fee £0
Arrangement fee £8,750
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
5% reducing to 2% for 5 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £708 and 240 payments of £972. The total amount payable would be £285,323 made up of the loan amount plus interest (£150,760) and fees (£9,563). The overall cost for comparison is 7.6% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 7.6% APRC
?
0808 292 0724
Landbay
Max LTV 55%:
Fixed for 2 years
Initial rate
4.69%
then 8.74% (variable)
Monthly repayments
£708
Scheme fees
£7,063
Annual cost
£12,032
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.69% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £708 and 276 payments of £1,005. The total amount payable would be £301,435 made up of the loan amount plus interest (£169,372) and fees (£7,063). The overall cost for comparison is 8.4% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 8.4% APRC
?
0808 292 0724
HSBC
Max LTV 60%:
Fixed to 28/02/29
Initial rate
4.69%
then 7.60% (variable)
Monthly repayments
£708
Scheme fees
£1,999
Annual cost
£8,900
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 28/02/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 7.60% for the remaining 20 years would require 60 payments of £708 and 240 payments of £894. The total amount payable would be £259,039 made up of the loan amount plus interest (£132,040) and fees (£1,999). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
0808 292 0724
HSBC
Max LTV 65%:
Fixed to 28/02/29
Initial rate
4.69%
then 7.60% (variable)
Monthly repayments
£708
Scheme fees
£1,999
Annual cost
£8,900
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 28/02/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 7.60% for the remaining 20 years would require 60 payments of £708 and 240 payments of £894. The total amount payable would be £259,039 made up of the loan amount plus interest (£132,040) and fees (£1,999). The overall cost for comparison is 6.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
0808 292 0724
The Mortgage Lender
Max LTV 75%:
Fixed for 2 years
Initial rate
4.69%
then 10.21% (variable)
Monthly repayments
£708
Scheme fees
£7,174
Annual cost
£12,087
Fees and charges
Booking fee £150
Arrangement fee £6,250
Valuation fee £475
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% reducing to 2% for 2 years
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 4.69% and then on a variable rate of 10.21% for the remaining 23 years would require 24 payments of £708 and 276 payments of £1,125. The total amount payable would be £334,666 made up of the loan amount plus interest (£202,492) and fees (£7,174). The overall cost for comparison is 9.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 9.6% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/01/29
Initial rate
4.69%
then 8.49% (variable)
Monthly repayments
£708
Scheme fees
£3,649
Annual cost
£9,230
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/01/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £708 and 240 payments of £955. The total amount payable would be £275,329 made up of the loan amount plus interest (£146,680) and fees (£3,649). The overall cost for comparison is 7.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/01/26
Initial rate
4.69%
then 8.49% (variable)
Monthly repayments
£708
Scheme fees
£3,750
Annual cost
£10,375
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/01/26
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.69% and then on a variable rate of 8.49% for the remaining 23 years would require 24 payments of £708 and 276 payments of £986. The total amount payable would be £292,878 made up of the loan amount plus interest (£164,128) and fees (£3,750). The overall cost for comparison is 8.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 8.0% APRC
?
0808 292 0724
State Bank of India
Max LTV 50%:
Fixed for 2 years
Initial rate
4.70%
then 7.50% (variable)
Monthly repayments
£709
Scheme fees
£6,249
Annual cost
£11,633
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.70% and then on a variable rate of 7.50% for the remaining 23 years would require 24 payments of £709 and 276 payments of £909. The total amount payable would be £274,149 made up of the loan amount plus interest (£142,900) and fees (£6,249). The overall cost for comparison is 7.4% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0808 292 0724
Virgin Money
Max LTV 75%:
Fixed to 01/02/26
Initial rate
4.72%
then 9.69% (variable)
Monthly repayments
£710
Scheme fees
£3,750
Annual cost
£10,401
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% until 01/02/26
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.72% and then on a variable rate of 9.69% for the remaining 23 years would require 24 payments of £710 and 276 payments of £1,082. The total amount payable would be £319,422 made up of the loan amount plus interest (£190,672) and fees (£3,750). The overall cost for comparison is 9.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 9.0% APRC
?
0808 292 0724
BM Solutions
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.73%
then 9.59% (variable)
Monthly repayments
£711
Scheme fees
£3,998
Annual cost
£9,334
Fees and charges
Booking fee £0
Arrangement fee £3,999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.73% and then on a variable rate of 9.59% for the remaining 20 years would require 60 payments of £711 and 240 payments of £1,034. The total amount payable would be £294,818 made up of the loan amount plus interest (£165,820) and fees (£3,998). The overall cost for comparison is 7.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
0808 292 0724
Paragon
Max LTV 70%:
Fixed for 5 years
Initial rate
4.74%
then 8.35% (variable)
Monthly repayments
£712
Scheme fees
£9,348
Annual cost
£10,413
Fees and charges
Booking fee £299
Arrangement fee £8,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
5% reducing to 3% for 5 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.74% and then on a variable rate of 8.35% for the remaining 20 years would require 60 payments of £711 and 240 payments of £946. The total amount payable would be £279,048 made up of the loan amount plus interest (£144,700) and fees (£9,348). The overall cost for comparison is 7.4% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/01/26
Initial rate
4.74%
then 8.99% (variable)
Monthly repayments
£712
Scheme fees
£3,750
Annual cost
£10,418
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/01/26
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.74% and then on a variable rate of 8.99% for the remaining 23 years would require 24 payments of £711 and 276 payments of £1,026. The total amount payable would be £303,990 made up of the loan amount plus interest (£175,240) and fees (£3,750). The overall cost for comparison is 8.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 8.5% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/01/29
Initial rate
4.74%
then 8.49% (variable)
Monthly repayments
£712
Scheme fees
£4,389
Annual cost
£9,421
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/01/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.74% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £711 and 240 payments of £956. The total amount payable would be £276,489 made up of the loan amount plus interest (£147,100) and fees (£4,389). The overall cost for comparison is 7.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
State Bank of India
Max LTV 65%:
Fixed for 2 years
Initial rate
4.75%
then 7.50% (variable)
Monthly repayments
£713
Scheme fees
£6,249
Annual cost
£11,676
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.75% and then on a variable rate of 7.50% for the remaining 23 years would require 24 payments of £712 and 276 payments of £910. The total amount payable would be £274,497 made up of the loan amount plus interest (£143,248) and fees (£6,249). The overall cost for comparison is 7.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0808 292 0724
Landbay
Max LTV 70%:
Fixed for 5 years
Initial rate
4.75%
then 8.74% (variable)
Monthly repayments
£713
Scheme fees
£9,563
Annual cost
£10,464
Fees and charges
Booking fee £0
Arrangement fee £8,750
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
5% reducing to 2% for 5 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.75% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £712 and 240 payments of £973. The total amount payable would be £285,803 made up of the loan amount plus interest (£151,240) and fees (£9,563). The overall cost for comparison is 7.6% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.6% APRC
?
0808 292 0724
Kensington
Max LTV 70%:
Fixed for 5 years
Initial rate
4.79%
then 9.05% (variable)
Monthly repayments
£716
Scheme fees
£6,549
Annual cost
£9,896
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
4% reducing to 1% for 5 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.79% and then on a variable rate of 9.05% for the remaining 20 years would require 60 payments of £715 and 240 payments of £996. The total amount payable would be £288,489 made up of the loan amount plus interest (£156,940) and fees (£6,549). The overall cost for comparison is 7.6% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.6% APRC
?
0808 292 0724
Metro
Max LTV 50%:
Fixed for 2 years
Initial rate
4.79%
then 9.25% (variable)
Monthly repayments
£716
Scheme fees
£5,479
Annual cost
£11,326
Fees and charges
Booking fee £0
Arrangement fee £5,000
Valuation fee £180
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.79% and then on a variable rate of 9.25% for the remaining 23 years would require 24 payments of £715 and 276 payments of £1,047. The total amount payable would be £311,611 made up of the loan amount plus interest (£181,132) and fees (£5,479). The overall cost for comparison is 8.8% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 8.8% APRC
?
0808 292 0724
Natwest
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.79%
then 8.24% (variable)
Monthly repayments
£716
Scheme fees
£3,499
Annual cost
£9,286
Fees and charges
Booking fee £0
Arrangement fee £3,499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/03/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.79% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £715 and 240 payments of £939. The total amount payable would be £271,759 made up of the loan amount plus interest (£143,260) and fees (£3,499). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
Landbay
Max LTV 65%:
Fixed for 2 years
Initial rate
4.79%
then 8.74% (variable)
Monthly repayments
£716
Scheme fees
£7,063
Annual cost
£12,118
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £514
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.79% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £715 and 276 payments of £1,006. The total amount payable would be £301,879 made up of the loan amount plus interest (£169,816) and fees (£7,063). The overall cost for comparison is 8.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 8.4% APRC
?
0808 292 0724
BM Solutions
Max LTV 65%:
Fixed to 31/03/29
Initial rate
4.82%
then 9.59% (variable)
Monthly repayments
£718
Scheme fees
£1,498
Annual cost
£8,912
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.82% and then on a variable rate of 9.59% for the remaining 20 years would require 60 payments of £717 and 240 payments of £1,035. The total amount payable would be £292,918 made up of the loan amount plus interest (£166,420) and fees (£1,498). The overall cost for comparison is 7.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.7% APRC
?
0808 292 0724
Virgin Money
Max LTV 75%:
Fixed to 01/02/29
Initial rate
4.84%
then 9.69% (variable)
Monthly repayments
£719
Scheme fees
£3,750
Annual cost
£9,380
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/02/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.84% and then on a variable rate of 9.69% for the remaining 20 years would require 60 payments of £719 and 240 payments of £1,043. The total amount payable would be £297,210 made up of the loan amount plus interest (£168,460) and fees (£3,750). The overall cost for comparison is 7.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0808 292 0724
Precise
Max LTV 70%:
Fixed for 5 years
Initial rate
4.84%
then 8.50% (variable)
Monthly repayments
£719
Scheme fees
£9,514
Annual cost
£10,532
Fees and charges
Booking fee £0
Arrangement fee £8,750
Valuation fee £465
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
4% reducing to 2% for 5 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.84% and then on a variable rate of 8.50% for the remaining 20 years would require 60 payments of £719 and 240 payments of £958. The total amount payable would be £282,574 made up of the loan amount plus interest (£148,060) and fees (£9,514). The overall cost for comparison is 7.5% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.5% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/01/29
Initial rate
4.84%
then 8.49% (variable)
Monthly repayments
£719
Scheme fees
£3,750
Annual cost
£9,380
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/01/29
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.84% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £719 and 240 payments of £957. The total amount payable would be £276,570 made up of the loan amount plus interest (£147,820) and fees (£3,750). The overall cost for comparison is 7.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.2% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/01/26
Initial rate
4.84%
then 8.49% (variable)
Monthly repayments
£719
Scheme fees
£3,649
Annual cost
£10,454
Fees and charges
Booking fee £0
Arrangement fee £3,750
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/01/26
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.84% and then on a variable rate of 8.49% for the remaining 23 years would require 24 payments of £719 and 276 payments of £987. The total amount payable would be £293,317 made up of the loan amount plus interest (£164,668) and fees (£3,649). The overall cost for comparison is 8.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 8.1% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 55%:
Fixed to 31/01/29
Initial rate
4.84%
then 8.49% (variable)
Monthly repayments
£719
Scheme fees
£2,134
Annual cost
£9,056
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/01/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.84% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £719 and 240 payments of £957. The total amount payable would be £274,954 made up of the loan amount plus interest (£147,820) and fees (£2,134). The overall cost for comparison is 7.1% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
State Bank of India
Max LTV 70%:
Fixed for 2 years
Initial rate
4.85%
then 7.50% (variable)
Monthly repayments
£720
Scheme fees
£6,249
Annual cost
£11,763
Fees and charges
Booking fee £0
Arrangement fee £6,250
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed?
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.85% and then on a variable rate of 7.50% for the remaining 23 years would require 24 payments of £719 and 276 payments of £910. The total amount payable would be £274,665 made up of the loan amount plus interest (£143,416) and fees (£6,249). The overall cost for comparison is 7.4% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.4% 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 1462 Reviews.co.uk respondents. Read our reviews

Getting the right Buy to Let mortgage deal

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

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

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

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

In this guide

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

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

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

Back to top of guide

Who can get a Buy to Let mortgage?

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

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

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Find the best Buy to Let mortgage rates and deals

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

Step 1

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

Step 2

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

Step 3

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

Step 4

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

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

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

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

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

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Buy to Let FAQs

What is a Buy to Let mortgage?

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

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

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

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

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

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

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

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

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

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Remortgage deals
First time buyer deals
Moving home deals
Buy to Let deals
Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.
Representative example A mortgage of £195,890 payable over 23 years, initially on a fixed rate until 31/12/25 at 5.69% and then on a variable rate of 6.99% for the remaining 21 years would require 26 payments of £1,274.15 followed by 250 payments of £1,417.33. The total amount payable would be £388,459 made up of the loan amount plus interest (£191,570) and fees (£999). The overall cost for comparison is 6.7% APRC representative.
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