Compare
Buy to Let Deals

Call Free 0808 292 0724
or
Start now

COMPARE 1000S OF Buy to Let MORTGAGE RATES

£
£
£
Matching mortgages
Try sorting by Annual Cost
?
Sort by:
Furness
Max LTV 65%:
4.05% discount for 2 years
Initial rate
1.59%
then 5.64% (variable)
Monthly repayments
£505
Scheme fees
£1,050
Annual cost
£6,588
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £305
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
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 1.59% and then on a variable rate of 5.64% for the remaining 23 years would require 24 payments of £505 and 276 payments of £755. The total amount payable would be £221,550 made up of the loan amount plus interest (£95,500) and fees (£1,050). The overall cost for comparison is 5.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 5.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Base +0.64% to 31/07/24
Initial rate
1.64%
then 4.74% (variable)
Monthly repayments
£508
Scheme fees
£2,335
Annual cost
£7,266
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.7% reducing to 0.5% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.64% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £508 and 276 payments of £695. The total amount payable would be £206,347 made up of the loan amount plus interest (£79,012) 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
?
0808 292 0724
Hinckley & Rugby
Max LTV 60%:
4.49% discount for 2 years
Initial rate
1.70%
then 6.19% (variable)
Monthly repayments
£512
Scheme fees
£1,564
Annual cost
£6,923
Fees and charges
Booking fee £250
Arrangement fee £999
Valuation fee £315
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
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 1.70% and then on a variable rate of 6.19% for the remaining 23 years would require 24 payments of £511 and 276 payments of £794. The total amount payable would be £232,972 made up of the loan amount plus interest (£106,408) and fees (£1,564). The overall cost for comparison is 5.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Base +0.74% to 31/07/24
Initial rate
1.74%
then 5.24% (variable)
Monthly repayments
£514
Scheme fees
£2,335
Annual cost
£7,337
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.7% reducing to 0.5% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.74% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £514 and 276 payments of £729. The total amount payable would be £215,875 made up of the loan amount plus interest (£88,540) and fees (£2,335). The overall cost for comparison is 4.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Base +0.74% to 31/07/24
Initial rate
1.74%
then 4.74% (variable)
Monthly repayments
£514
Scheme fees
£1,595
Annual cost
£6,967
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.75% reducing to 0.5% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.74% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £514 and 276 payments of £696. The total amount payable would be £206,027 made up of the loan amount plus interest (£79,432) and fees (£1,595). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Base +0.84% to 31/07/24
Initial rate
1.84%
then 5.24% (variable)
Monthly repayments
£520
Scheme fees
£1,595
Annual cost
£7,039
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.75% reducing to 0.5% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.84% 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 £215,555 made up of the loan amount plus interest (£88,960) and fees (£1,595). The overall cost for comparison is 4.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
0808 292 0724
Accord
Max LTV 60%:
2.90% discount to 30/09/24
Initial rate
1.84%
then 4.74% (variable)
Monthly repayments
£520
Scheme fees
£995
Annual cost
£6,739
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/09/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.84% 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 £205,571 made up of the loan amount plus interest (£79,576) and fees (£995). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
Hinckley & Rugby
Max LTV 75%:
4.34% discount for 2 years
Initial rate
1.85%
then 6.19% (variable)
Monthly repayments
£521
Scheme fees
£1,564
Annual cost
£7,031
Fees and charges
Booking fee £250
Arrangement fee £999
Valuation fee £315
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
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 1.85% and then on a variable rate of 6.19% for the remaining 23 years would require 24 payments of £520 and 276 payments of £795. The total amount payable would be £233,464 made up of the loan amount plus interest (£106,900) and fees (£1,564). The overall cost for comparison is 5.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.4% APRC
?
0808 292 0724
Accord
Max LTV 65%:
2.87% discount to 30/09/24
Initial rate
1.87%
then 4.74% (variable)
Monthly repayments
£522
Scheme fees
£995
Annual cost
£6,761
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/09/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.87% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £521 and 276 payments of £696. The total amount payable would be £205,595 made up of the loan amount plus interest (£79,600) and fees (£995). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
Furness
Max LTV 75%:
3.75% discount for 2 years
Initial rate
1.89%
then 5.64% (variable)
Monthly repayments
£523
Scheme fees
£1,050
Annual cost
£6,803
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £305
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
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 1.89% and then on a variable rate of 5.64% for the remaining 23 years would require 24 payments of £523 and 276 payments of £757. The total amount payable would be £222,534 made up of the loan amount plus interest (£96,484) and fees (£1,050). The overall cost for comparison is 5.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/07/24
Initial rate
1.94%
then 4.74% (variable)
Monthly repayments
£526
Scheme fees
£2,840
Annual cost
£7,734
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 1% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.94% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £526 and 276 payments of £697. The total amount payable would be £207,836 made up of the loan amount plus interest (£79,996) and fees (£2,840). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
0808 292 0724
Melton Mowbray
Max LTV 75%:
3.00% discount for 2 years
Initial rate
1.99%
then 4.99% (variable)
Monthly repayments
£529
Scheme fees
£858
Annual cost
£6,780
Fees and charges
Booking fee £199
Arrangement fee £399
Valuation fee £260
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 £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £529 and 276 payments of £714. The total amount payable would be £210,618 made up of the loan amount plus interest (£84,760) and fees (£858). The overall cost for comparison is 4.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
0808 292 0724
Accord
Max LTV 75%:
2.75% discount to 30/09/24
Initial rate
1.99%
then 4.74% (variable)
Monthly repayments
£529
Scheme fees
£995
Annual cost
£6,848
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/09/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £529 and 276 payments of £697. The total amount payable would be £206,063 made up of the loan amount plus interest (£80,068) and fees (£995). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/07/24
Initial rate
2.04%
then 5.24% (variable)
Monthly repayments
£532
Scheme fees
£2,840
Annual cost
£7,807
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 1% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.04% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £532 and 276 payments of £731. The total amount payable would be £217,364 made up of the loan amount plus interest (£89,524) and fees (£2,840). The overall cost for comparison is 5.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Base +1.09% to 31/07/24
Initial rate
2.09%
then 4.74% (variable)
Monthly repayments
£535
Scheme fees
£340
Annual cost
£6,594
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.7% reducing to 0.5% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.09% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £535 and 276 payments of £698. The total amount payable would be £205,828 made up of the loan amount plus interest (£80,488) and fees (£340). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Base +1.19% to 31/07/24
Initial rate
2.19%
then 5.24% (variable)
Monthly repayments
£541
Scheme fees
£340
Annual cost
£6,668
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.7% reducing to 0.5% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.19% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £541 and 276 payments of £732. The total amount payable would be £215,356 made up of the loan amount plus interest (£90,016) and fees (£340). The overall cost for comparison is 4.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
0808 292 0724
Melton Mowbray
Max LTV 60%:
2.80% discount for term
Initial rate
2.19%
then 4.99% (variable)
Monthly repayments
£541
Scheme fees
£260
Annual cost
£6,508
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% for 5 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, on a variable rate for 25 years at 2.19% would require 300 payments of £541 The total amount payable would be £162,560 made up of the loan amount plus interest (£37,300) and fees (£260). The overall cost for comparison is 2.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.2% APRC
?
0808 292 0724
Leeds
Max LTV 60%:
Fixed to 31/07/24
Initial rate
2.21%
then 5.84% (variable)
Monthly repayments
£543
Scheme fees
£999
Annual cost
£7,012
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 31/07/24
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.21% and then on a variable rate of 5.84% for the remaining 23 years would require 24 payments of £542 and 276 payments of £773. The total amount payable would be £227,355 made up of the loan amount plus interest (£101,356) 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
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Base +1.29% to 31/07/24
Initial rate
2.29%
then 4.74% (variable)
Monthly repayments
£548
Scheme fees
-£400
Annual cost
£6,372
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.75% reducing to 0.5% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.29% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £547 and 276 payments of £699. The total amount payable would be £205,652 made up of the loan amount plus interest (£81,052) and fees (-£400). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
BM Solutions
Max LTV 60%:
Fixed to 30/06/24
Initial rate
2.37%
then 5.34% (variable)
Monthly repayments
£553
Scheme fees
£2,095
Annual cost
£7,679
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/06/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.37% and then on a variable rate of 5.34% for the remaining 23 years would require 24 payments of £552 and 276 payments of £740. The total amount payable would be £219,583 made up of the loan amount plus interest (£92,488) and fees (£2,095). The overall cost for comparison is 5.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
?
0808 292 0724
HSBC
Max LTV 60%:
Fixed to 31/07/27
Initial rate
2.39%
then 5.10% (variable)
Monthly repayments
£554
Scheme fees
£1,999
Annual cost
£7,046
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.39% and then on a variable rate of 5.10% for the remaining 20 years would require 60 payments of £553 and 240 payments of £702. The total amount payable would be £203,659 made up of the loan amount plus interest (£76,660) and fees (£1,999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Base +1.39% to 31/07/24
Initial rate
2.39%
then 5.24% (variable)
Monthly repayments
£554
Scheme fees
-£400
Annual cost
£6,446
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
0.75% reducing to 0.5% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.39% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £553 and 276 payments of £733. The total amount payable would be £215,180 made up of the loan amount plus interest (£90,580) and fees (-£400). The overall cost for comparison is 4.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
0808 292 0724
Newbury
Max LTV 75%:
1.70% discount for 3 years
Initial rate
2.40%
then 4.10% (variable)
Monthly repayments
£555
Scheme fees
£1,200
Annual cost
£7,054
Fees and charges
Booking fee £0
Arrangement fee £950
Valuation fee £250
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 3 years
Other info
Exit fee £115
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 2.40% and then on a variable rate of 4.10% for the remaining 22 years would require 36 payments of £554 and 264 payments of £654. The total amount payable would be £193,800 made up of the loan amount plus interest (£67,600) and fees (£1,200). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
0808 292 0724
Newbury
Max LTV 75%:
1.70% discount for 5 years
Initial rate
2.40%
then 4.10% (variable)
Monthly repayments
£555
Scheme fees
£1,200
Annual cost
£6,894
Fees and charges
Booking fee £0
Arrangement fee £950
Valuation fee £250
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 5 years
Other info
Exit fee £115
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 2.40% and then on a variable rate of 4.10% for the remaining 20 years would require 60 payments of £554 and 240 payments of £645. The total amount payable would be £189,240 made up of the loan amount plus interest (£63,040) and fees (£1,200). The overall cost for comparison is 3.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
0808 292 0724
Accord
Max LTV 60%:
Fixed to 30/09/24
Initial rate
2.40%
then 4.74% (variable)
Monthly repayments
£555
Scheme fees
£1,995
Annual cost
£7,652
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:
2.5% reducing to 1.5% until 30/09/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.40% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £554 and 276 payments of £700. The total amount payable would be £208,491 made up of the loan amount plus interest (£81,496) and fees (£1,995). The overall cost for comparison is 4.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
Leeds
Max LTV 60%:
Fixed to 31/07/27
Initial rate
2.42%
then 5.84% (variable)
Monthly repayments
£556
Scheme fees
£999
Annual cost
£6,869
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:
5% reducing to 2% until 31/07/27
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 5 years at 2.42% and then on a variable rate of 5.84% for the remaining 20 years would require 60 payments of £555 and 240 payments of £747. The total amount payable would be £213,579 made up of the loan amount plus interest (£87,580) and fees (£999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
0808 292 0724
Accord
Max LTV 75%:
Fixed to 30/09/25
Initial rate
2.43%
then 4.74% (variable)
Monthly repayments
£556
Scheme fees
£1,695
Annual cost
£7,241
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1.5% until 30/09/25
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 2.43% and then on a variable rate of 4.74% for the remaining 22 years would require 36 payments of £556 and 264 payments of £694. The total amount payable would be £204,927 made up of the loan amount plus interest (£78,232) and fees (£1,695). The overall cost for comparison is 4.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
0808 292 0724
Furness
Max LTV 80%:
3.19% discount for 2 years
Initial rate
2.45%
then 5.64% (variable)
Monthly repayments
£558
Scheme fees
£1,050
Annual cost
£7,217
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £305
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
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 2.45% and then on a variable rate of 5.64% for the remaining 23 years would require 24 payments of £557 and 276 payments of £761. The total amount payable would be £224,454 made up of the loan amount plus interest (£98,404) and fees (£1,050). The overall cost for comparison is 5.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 5.4% APRC
?
0808 292 0724
Furness
Max LTV 65%:
Fixed for 2 years
Initial rate
2.49%
then 5.64% (variable)
Monthly repayments
£560
Scheme fees
£1,550
Annual cost
£7,497
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £305
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
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 2.49% and then on a variable rate of 5.64% for the remaining 23 years would require 24 payments of £560 and 276 payments of £761. The total amount payable would be £225,026 made up of the loan amount plus interest (£98,476) and fees (£1,550). The overall cost for comparison is 5.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 5.4% APRC
?
0808 292 0724
HSBC
Max LTV 65%:
Fixed to 31/07/27
Initial rate
2.49%
then 5.10% (variable)
Monthly repayments
£560
Scheme fees
£1,999
Annual cost
£7,121
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.49% and then on a variable rate of 5.10% for the remaining 20 years would require 60 payments of £560 and 240 payments of £704. The total amount payable would be £204,559 made up of the loan amount plus interest (£77,560) and fees (£1,999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
HSBC
Max LTV 75%:
Fixed to 31/07/27
Initial rate
2.49%
then 5.10% (variable)
Monthly repayments
£560
Scheme fees
£1,999
Annual cost
£7,121
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.49% and then on a variable rate of 5.10% for the remaining 20 years would require 60 payments of £560 and 240 payments of £704. The total amount payable would be £204,559 made up of the loan amount plus interest (£77,560) and fees (£1,999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/07/24
Initial rate
2.49%
then 4.74% (variable)
Monthly repayments
£560
Scheme fees
£2,335
Annual cost
£7,889
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 1% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.49% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £560 and 276 payments of £700. The total amount payable would be £208,975 made up of the loan amount plus interest (£81,640) and fees (£2,335). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
0808 292 0724
Accord
Max LTV 65%:
Fixed to 30/09/24
Initial rate
2.50%
then 4.74% (variable)
Monthly repayments
£561
Scheme fees
£1,995
Annual cost
£7,727
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:
2.5% reducing to 1.5% until 30/09/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.50% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £560 and 276 payments of £700. The total amount payable would be £208,635 made up of the loan amount plus interest (£81,640) and fees (£1,995). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
Mansfield
Max LTV 75%:
3.06% discount for 3 years
Initial rate
2.54%
then 5.60% (variable)
Monthly repayments
£563
Scheme fees
£1,724
Annual cost
£7,334
Fees and charges
Booking fee £199
Arrangement fee £1,300
Valuation fee £225
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% for 3 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 2.54% and then on a variable rate of 5.60% for the remaining 22 years would require 36 payments of £563 and 264 payments of £750. The total amount payable would be £219,992 made up of the loan amount plus interest (£93,268) and fees (£1,724). The overall cost for comparison is 4.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
0808 292 0724
Mansfield
Max LTV 75%:
3.06% discount for 2 years
Initial rate
2.54%
then 5.60% (variable)
Monthly repayments
£563
Scheme fees
£1,724
Annual cost
£7,621
Fees and charges
Booking fee £199
Arrangement fee £1,300
Valuation fee £225
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.54% and then on a variable rate of 5.60% for the remaining 23 years would require 24 payments of £563 and 276 payments of £759. The total amount payable would be £224,720 made up of the loan amount plus interest (£97,996) and fees (£1,724). The overall cost for comparison is 5.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.5% APRC
?
0808 292 0724
BM Solutions
Max LTV 60%:
Fixed to 30/06/27
Initial rate
2.54%
then 5.34% (variable)
Monthly repayments
£563
Scheme fees
£2,095
Annual cost
£7,178
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.54% and then on a variable rate of 5.34% for the remaining 20 years would require 60 payments of £563 and 240 payments of £719. The total amount payable would be £208,435 made up of the loan amount plus interest (£81,340) and fees (£2,095). The overall cost for comparison is 4.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
BM Solutions
Max LTV 60%:
Fixed to 30/06/24
Initial rate
2.57%
then 5.34% (variable)
Monthly repayments
£565
Scheme fees
£1,095
Annual cost
£7,330
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/06/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.57% and then on a variable rate of 5.34% for the remaining 23 years would require 24 payments of £565 and 276 payments of £741. The total amount payable would be £219,171 made up of the loan amount plus interest (£93,076) and fees (£1,095). The overall cost for comparison is 5.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 75%:
Fixed to 31/07/24
Initial rate
2.59%
then 5.24% (variable)
Monthly repayments
£566
Scheme fees
£2,335
Annual cost
£7,965
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 1% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.59% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £566 and 276 payments of £734. The total amount payable would be £218,503 made up of the loan amount plus interest (£91,168) and fees (£2,335). The overall cost for comparison is 5.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/07/27
Initial rate
2.59%
then 4.74% (variable)
Monthly repayments
£566
Scheme fees
£2,840
Annual cost
£7,365
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
4.25% reducing to 1% until 31/07/27
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.59% and then on a variable rate of 4.74% for the remaining 20 years would require 60 payments of £566 and 240 payments of £684. The total amount payable would be £200,960 made up of the loan amount plus interest (£73,120) and fees (£2,840). The overall cost for comparison is 4.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
0808 292 0724
Leek United
Max LTV 75%:
Fixed to 31/07/24
Initial rate
2.60%
then 5.69% (variable)
Monthly repayments
£567
Scheme fees
£595
Annual cost
£7,103
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/07/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.60% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £567 and 276 payments of £765. The total amount payable would be £225,343 made up of the loan amount plus interest (£99,748) and fees (£595). The overall cost for comparison is 5.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.4% APRC
?
0808 292 0724
BM Solutions
Max LTV 75%:
Fixed to 30/06/27
Initial rate
2.61%
then 5.34% (variable)
Monthly repayments
£568
Scheme fees
£2,095
Annual cost
£7,232
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.61% and then on a variable rate of 5.34% for the remaining 20 years would require 60 payments of £567 and 240 payments of £720. The total amount payable would be £208,915 made up of the loan amount plus interest (£81,820) and fees (£2,095). The overall cost for comparison is 4.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
Accord
Max LTV 75%:
Fixed to 30/09/24
Initial rate
2.61%
then 4.74% (variable)
Monthly repayments
£568
Scheme fees
£1,995
Annual cost
£7,810
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:
2.5% reducing to 1.5% until 30/09/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.61% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £567 and 276 payments of £701. The total amount payable would be £209,079 made up of the loan amount plus interest (£82,084) and fees (£1,995). The overall cost for comparison is 4.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
BM Solutions
Max LTV 60%:
Fixed to 30/06/27
Initial rate
2.63%
then 5.34% (variable)
Monthly repayments
£569
Scheme fees
£1,095
Annual cost
£7,047
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.63% and then on a variable rate of 5.34% for the remaining 20 years would require 60 payments of £568 and 240 payments of £720. The total amount payable would be £207,975 made up of the loan amount plus interest (£81,880) and fees (£1,095). The overall cost for comparison is 4.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
Natwest
Max LTV 75%:
Fixed to 31/07/27
Initial rate
2.63%
then 4.74% (variable)
Monthly repayments
£569
Scheme fees
£1,495
Annual cost
£7,127
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:
4.5% reducing to 1% until 31/07/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.63% and then on a variable rate of 4.74% for the remaining 20 years would require 60 payments of £568 and 240 payments of £685. The total amount payable would be £199,975 made up of the loan amount plus interest (£73,480) and fees (£1,495). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
0808 292 0724
The Mortgage Works
Max LTV 65%:
Fixed to 31/07/24
Initial rate
2.64%
then 4.74% (variable)
Monthly repayments
£570
Scheme fees
£1,335
Annual cost
£7,503
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 1% until 31/07/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.64% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £569 and 276 payments of £701. The total amount payable would be £208,467 made up of the loan amount plus interest (£82,132) and fees (£1,335). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
0808 292 0724
Accord
Max LTV 60%:
Fixed to 30/09/27
Initial rate
2.64%
then 4.74% (variable)
Monthly repayments
£570
Scheme fees
£1,745
Annual cost
£7,184
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:
5% reducing to 1.5% until 30/09/27
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.64% and then on a variable rate of 4.74% for the remaining 20 years would require 60 payments of £569 and 240 payments of £685. The total amount payable would be £200,285 made up of the loan amount plus interest (£73,540) and fees (£1,745). The overall cost for comparison is 4.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
0808 292 0724
Leek United
Max LTV 75%:
Fixed to 31/07/27
Initial rate
2.65%
then 5.69% (variable)
Monthly repayments
£570
Scheme fees
£595
Annual cost
£6,962
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.65% and then on a variable rate of 5.69% for the remaining 20 years would require 60 payments of £570 and 240 payments of £741. The total amount payable would be £212,635 made up of the loan amount plus interest (£87,040) and fees (£595). The overall cost for comparison is 4.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
0808 292 0724
Leek United
Max LTV 75%:
3.04% discount for 2 years
Initial rate
2.65%
then 5.69% (variable)
Monthly repayments
£570
Scheme fees
-£400
Annual cost
£6,643
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.65% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £570 and 276 payments of £765. The total amount payable would be £224,420 made up of the loan amount plus interest (£99,820) and fees (-£400). The overall cost for comparison is 5.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.4% APRC
?
0808 292 0724
Leeds
Max LTV 60%:
Fixed to 31/07/24
Initial rate
2.67%
then 5.84% (variable)
Monthly repayments
£572
Scheme fees
£0
Annual cost
£6,858
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 31/07/24
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.67% and then on a variable rate of 5.84% for the remaining 23 years would require 24 payments of £571 and 276 payments of £776. The total amount payable would be £227,880 made up of the loan amount plus interest (£102,880) and fees (£0). The overall cost for comparison is 5.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
0808 292 0724
Accord
Max LTV 65%:
Fixed to 30/09/24
Initial rate
2.68%
then 4.74% (variable)
Monthly repayments
£572
Scheme fees
£995
Annual cost
£7,364
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 30/09/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.68% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £572 and 276 payments of £701. The total amount payable would be £208,199 made up of the loan amount plus interest (£82,204) and fees (£995). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
0808 292 0724
Load more

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 1450 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.

Back to top of guide

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

Back to top of guide

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.

Back to top of guide

Remortgage deals
First time buyer deals
Moving home deals
Buy to Let deals
Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.
Representative example A mortgage of £221,317 payable over 23 years, initially on a fixed rate until 31/05/27 at 2.09% and then on a variable rate of 4.24% for the the remaining 18 years would require 61 payments of £1,010.67 followed by 215 payments of £1,203.92. The total amount payable would be £321,608 made up of the loan amount plus interest (£99,177) and fees (£1,114). The overall cost for comparison is 3.4% APRC representative.
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.
© 2022 London & Country. All rights reserved.
Sitemap | Privacy Statement | Terms of business | Keyfacts | Modern slavery policy | Gender pay gap report | Supporting our customers | How to complain | Complaints data
Our dedication to providing our customers with a first class mortgage service has helped us win over 150 awards since 2002, more than any other mortgage broker. In fact we’ve won the most prestigious awards in our industry on numerous occasions. You can see them all in our awards gallery.
We’re proud to support Winston’s Wish, the UK's leading childhood bereavement charity. Every year Winston’s Wish need to raise over £2.4million to provide practical help and support to children suffering the loss of a parent or sibling. For more information visit the Winston's Wish website and Twitter