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Loans are typically over 25 years, so we've defaulted to that for you
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We've calculated this from our average customer
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Virgin Money
Max LTV 60%:
Fixed to 01/07/20
Initial rate
1.37%
then 4.99% (variable)
Monthly repayments
£492
Scheme fees
£1,609
Annual cost
£6,712
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £600
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/07/20
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.37% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £492 and 276 payments of £710. The total amount payable would be £209,377 made up of the loan amount plus interest (£82,768) and fees (£1,609). The overall cost for comparison is 4.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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TSB
Max LTV 60%:
Fixed to 31/05/20
Initial rate
1.39%
then 4.84% (variable)
Monthly repayments
£493
Scheme fees
£2,195
Annual cost
£7,019
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £450
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/05/20
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 4.84% for the remaining 23 years would require 24 payments of £493 and 276 payments of £700. The total amount payable would be £207,227 made up of the loan amount plus interest (£80,032) and fees (£2,195). The overall cost for comparison is 4.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
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Platform
Max LTV 60%:
Fixed to 30/06/20
Initial rate
1.39%
then 5.25% (variable)
Monthly repayments
£493
Scheme fees
£1,678
Annual cost
£6,761
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £179
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/06/20
Other info
Exit fee £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £493 and 276 payments of £727. The total amount payable would be £214,162 made up of the loan amount plus interest (£87,484) and fees (£1,678). The overall cost for comparison is 4.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
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Virgin Money
Max LTV 60%:
Fixed to 01/07/20
Initial rate
1.44%
then 4.99% (variable)
Monthly repayments
£496
Scheme fees
£1,709
Annual cost
£6,811
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/07/20
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.44% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £496 and 276 payments of £710. The total amount payable would be £209,573 made up of the loan amount plus interest (£82,864) and fees (£1,709). The overall cost for comparison is 4.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Leeds
Max LTV 60%:
Fixed to 31/05/20
Initial rate
1.44%
then 5.99% (variable)
Monthly repayments
£496
Scheme fees
£1,999
Annual cost
£6,956
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/05/20
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.44% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £496 and 276 payments of £778. The total amount payable would be £228,631 made up of the loan amount plus interest (£101,632) and fees (£1,999). The overall cost for comparison is 5.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
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Platform
Max LTV 60%:
Base+0.99% for 2 years
Initial rate
1.49%
then 5.25% (variable)
Monthly repayments
£499
Scheme fees
£1,678
Annual cost
£6,831
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £179
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% for 2 years
Other info
Exit fee £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.49% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £499 and 276 payments of £728. The total amount payable would be £214,582 made up of the loan amount plus interest (£87,904) and fees (£1,678). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
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Hinckley & Rugby
Max LTV 75%:
4.40% discount for 2 years
Initial rate
1.49%
then 5.89% (variable)
Monthly repayments
£499
Scheme fees
£3,544
Annual cost
£7,764
Fees and charges
Booking fee £250
Arrangement fee £2,999
Valuation fee £295
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £150
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.49% and then on a variable rate of 5.89% for the remaining 23 years would require 24 payments of £499 and 276 payments of £772. The total amount payable would be £228,592 made up of the loan amount plus interest (£100,048) and fees (£3,544). The overall cost for comparison is 5.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 5.2% APRC
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Hinckley & Rugby
Max LTV 75%:
4.40% discount for 2 years
Initial rate
1.49%
then 5.89% (variable)
Monthly repayments
£499
Scheme fees
£3,544
Annual cost
£7,764
Fees and charges
Booking fee £250
Arrangement fee £2,999
Valuation fee £295
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £150
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.49% and then on a variable rate of 5.89% for the remaining 23 years would require 24 payments of £499 and 276 payments of £772. The total amount payable would be £228,592 made up of the loan amount plus interest (£100,048) and fees (£3,544). The overall cost for comparison is 5.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 5.2% APRC
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Post Office
Max LTV 60%:
Fixed to 30/06/20
Initial rate
1.49%
then 4.99% (variable)
Monthly repayments
£499
Scheme fees
£1,495
Annual cost
£6,739
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/06/20
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.49% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £499 and 276 payments of £711. The total amount payable would be £209,707 made up of the loan amount plus interest (£83,212) and fees (£1,495). The overall cost for comparison is 4.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
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Barclays
Max LTV 60%:
Fixed to 31/07/20
Initial rate
1.50%
then 4.99% (variable)
Monthly repayments
£500
Scheme fees
£1,480
Annual cost
£6,739
Fees and charges
Booking fee £0
Arrangement fee £1,250
Valuation fee £230
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% until 31/07/20
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.50% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £499 and 276 payments of £711. The total amount payable would be £209,692 made up of the loan amount plus interest (£83,212) and fees (£1,480). The overall cost for comparison is 4.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
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Virgin Money
Max LTV 60%:
Fixed to 01/07/20
Initial rate
1.52%
then 4.99% (variable)
Monthly repayments
£501
Scheme fees
£609
Annual cost
£6,318
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £214
Other fees £0
Cashback £600
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/07/20
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.52% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £501 and 276 payments of £711. The total amount payable would be £208,869 made up of the loan amount plus interest (£83,260) and fees (£609). The overall cost for comparison is 4.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Principality
Max LTV 60%:
3.35% discount to 30/06/20
Initial rate
1.55%
then 4.90% (variable)
Monthly repayments
£503
Scheme fees
£1,275
Annual cost
£6,672
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £380
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% to 30/06/20
Other info
Exit fee £155
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.55% and then on a variable rate of 4.90% for the remaining 23 years would require 24 payments of £502 and 276 payments of £705. The total amount payable would be £207,903 made up of the loan amount plus interest (£81,628) and fees (£1,275). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Barclays
Max LTV 60%:
Fixed to 31/07/20
Initial rate
1.55%
then 4.99% (variable)
Monthly repayments
£503
Scheme fees
£2,180
Annual cost
£7,124
Fees and charges
Booking fee £0
Arrangement fee £1,950
Valuation fee £230
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% until 31/07/20
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.55% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £502 and 276 payments of £711. The total amount payable would be £210,464 made up of the loan amount plus interest (£83,284) and fees (£2,180). The overall cost for comparison is 4.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Virgin Money
Max LTV 60%:
Fixed to 01/07/20
Initial rate
1.59%
then 4.99% (variable)
Monthly repayments
£505
Scheme fees
£709
Annual cost
£6,417
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/07/20
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £505 and 276 payments of £711. The total amount payable would be £209,065 made up of the loan amount plus interest (£83,356) and fees (£709). The overall cost for comparison is 4.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Platform
Max LTV 60%:
Fixed to 30/06/20
Initial rate
1.59%
then 5.25% (variable)
Monthly repayments
£505
Scheme fees
£928
Annual cost
£6,527
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £179
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/06/20
Other info
Exit fee £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £505 and 276 payments of £729. The total amount payable would be £214,252 made up of the loan amount plus interest (£88,324) and fees (£928). The overall cost for comparison is 4.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Principality
Max LTV 70%:
3.30% discount to 30/06/20
Initial rate
1.60%
then 4.90% (variable)
Monthly repayments
£506
Scheme fees
£1,275
Annual cost
£6,707
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £380
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% to 30/06/20
Other info
Exit fee £155
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.60% and then on a variable rate of 4.90% for the remaining 23 years would require 24 payments of £505 and 276 payments of £705. The total amount payable would be £207,975 made up of the loan amount plus interest (£81,700) and fees (£1,275). The overall cost for comparison is 4.6% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 60%:
Fixed to 31/07/20
Initial rate
1.61%
then 4.49% (variable)
Monthly repayments
£506
Scheme fees
£1,243
Annual cost
£6,698
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/07/20
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.61% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £506 and 276 payments of £679. The total amount payable would be £200,791 made up of the loan amount plus interest (£74,548) and fees (£1,243). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
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Post Office
Max LTV 60%:
Fixed to 30/06/20
Initial rate
1.62%
then 4.99% (variable)
Monthly repayments
£507
Scheme fees
£995
Annual cost
£6,582
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/06/20
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.62% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £507 and 276 payments of £712. The total amount payable would be £209,675 made up of the loan amount plus interest (£83,680) and fees (£995). The overall cost for comparison is 4.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
The Mortgage Works
Max LTV 65%:
Base+1.14% to 31/05/20
Initial rate
1.64%
then 4.49% (variable)
Monthly repayments
£508
Scheme fees
£2,840
Annual cost
£7,518
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/05/20
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 4.49% for the remaining 23 years would require 24 payments of £508 and 276 payments of £679. The total amount payable would be £202,436 made up of the loan amount plus interest (£74,596) 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
?
Enquire Continue online
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
The Mortgage Works
Max LTV 65%:
Base+1.14% to 31/05/20
Initial rate
1.64%
then 4.49% (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:
2% reducing to 1% until 31/05/20
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 4.49% for the remaining 23 years would require 24 payments of £508 and 276 payments of £679. The total amount payable would be £201,931 made up of the loan amount plus interest (£74,596) and fees (£2,335). The overall cost for comparison is 4.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
Enquire Continue online
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Platform
Max LTV 65%:
Fixed to 30/06/20
Initial rate
1.64%
then 5.25% (variable)
Monthly repayments
£508
Scheme fees
£1,678
Annual cost
£6,937
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £179
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/06/20
Other info
Exit fee £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.64% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £508 and 276 payments of £729. The total amount payable would be £215,074 made up of the loan amount plus interest (£88,396) and fees (£1,678). The overall cost for comparison is 4.6% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Leeds
Max LTV 60%:
Fixed to 31/05/20
Initial rate
1.64%
then 5.99% (variable)
Monthly repayments
£508
Scheme fees
£999
Annual cost
£6,598
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/05/20
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.64% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £508 and 276 payments of £780. The total amount payable would be £228,471 made up of the loan amount plus interest (£102,472) and fees (£999). The overall cost for comparison is 5.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.2% APRC
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BM Solutions
Max LTV 60%:
Fixed to 30/06/20
Initial rate
1.65%
then 4.84% (variable)
Monthly repayments
£509
Scheme fees
£2,450
Annual cost
£7,330
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £455
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/06/20
Other info
Exit fee £295
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.65% and then on a variable rate of 4.84% for the remaining 23 years would require 24 payments of £508 and 276 payments of £702. The total amount payable would be £208,394 made up of the loan amount plus interest (£80,944) and fees (£2,450). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
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Platform
Max LTV 60%:
Base+1.19% for 2 years
Initial rate
1.69%
then 5.25% (variable)
Monthly repayments
£511
Scheme fees
£928
Annual cost
£6,598
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £179
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% for 2 years
Other info
Exit fee £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.69% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £511 and 276 payments of £729. The total amount payable would be £214,396 made up of the loan amount plus interest (£88,468) and fees (£928). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
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Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Virgin Money
Max LTV 60%:
Fixed to 01/07/21
Initial rate
1.69%
then 4.99% (variable)
Monthly repayments
£511
Scheme fees
£1,709
Annual cost
£6,704
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% until 01/07/21
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.69% and then on a variable rate of 4.99% for the remaining 22 years would require 36 payments of £511 and 264 payments of £703. The total amount payable would be £205,697 made up of the loan amount plus interest (£78,988) and fees (£1,709). The overall cost for comparison is 4.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
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Godiva
Max LTV 50%:
Fixed to 31/07/20
Initial rate
1.69%
then 4.74% (variable)
Monthly repayments
£511
Scheme fees
£1,999
Annual cost
£7,133
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/07/20
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.69% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £511 and 276 payments of £695. The total amount payable would be £206,083 made up of the loan amount plus interest (£79,084) and fees (£1,999). The overall cost for comparison is 4.4% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
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HSBC
Max LTV 60%:
Fixed to 31/08/20
Initial rate
1.69%
then 5.00% (variable)
Monthly repayments
£511
Scheme fees
£1,999
Annual cost
£7,133
Fees and charges
Booking fee £249
Arrangement fee £1,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/08/20
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.69% and then on a variable rate of 5.00% for the remaining 23 years would require 24 payments of £511 and 276 payments of £713. The total amount payable would be £211,051 made up of the loan amount plus interest (£84,052) and fees (£1,999). The overall cost for comparison is 4.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Monmouthshire BS
Max LTV 75%:
3.29% discount for 2 years
Initial rate
1.70%
then 4.99% (variable)
Monthly repayments
£512
Scheme fees
£1,287
Annual cost
£6,785
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £288
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 5% p/a
Early repayment charge:
3% for 2 years
Other info
Exit fee £50
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 4.99% for the remaining 23 years would require 24 payments of £511 and 276 payments of £712. The total amount payable would be £210,063 made up of the loan amount plus interest (£83,776) and fees (£1,287). The overall cost for comparison is 4.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
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Virgin Money
Max LTV 70%:
Fixed to 01/07/20
Initial rate
1.71%
then 4.99% (variable)
Monthly repayments
£512
Scheme fees
£1,609
Annual cost
£6,953
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £600
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/07/20
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.71% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £512 and 276 payments of £712. The total amount payable would be £210,409 made up of the loan amount plus interest (£83,800) and fees (£1,609). The overall cost for comparison is 4.7% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Bank of Ireland
Max LTV 60%:
Fixed to 31/05/20
Initial rate
1.74%
then 4.24% (variable)
Monthly repayments
£514
Scheme fees
£495
Annual cost
£6,417
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
3% reducing to 2% until 31/05/20
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.74% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £514 and 276 payments of £663. The total amount payable would be £195,819 made up of the loan amount plus interest (£70,324) and fees (£495). The overall cost for comparison is 4.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
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Platform
Max LTV 70%:
Fixed to 30/06/20
Initial rate
1.74%
then 5.25% (variable)
Monthly repayments
£514
Scheme fees
£1,678
Annual cost
£7,009
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £179
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/06/20
Other info
Exit fee £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.74% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £514 and 276 payments of £730. The total amount payable would be £215,494 made up of the loan amount plus interest (£88,816) and fees (£1,678). The overall cost for comparison is 4.6% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
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Leeds
Max LTV 70%:
Fixed to 31/05/20
Initial rate
1.74%
then 5.99% (variable)
Monthly repayments
£514
Scheme fees
£1,999
Annual cost
£7,169
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/05/20
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.74% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £514 and 276 payments of £781. The total amount payable would be £229,891 made up of the loan amount plus interest (£102,892) and fees (£1,999). The overall cost for comparison is 5.2% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 5.2% APRC
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Bank of Ireland
Max LTV 65%:
Fixed to 31/05/20
Initial rate
1.74%
then 4.24% (variable)
Monthly repayments
£514
Scheme fees
£1,495
Annual cost
£6,917
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
3% reducing to 2% until 31/05/20
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.74% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £514 and 276 payments of £663. The total amount payable would be £196,819 made up of the loan amount plus interest (£70,324) and fees (£1,495). The overall cost for comparison is 4.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
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Principality
Max LTV 60%:
Fixed to 30/06/20
Initial rate
1.75%
then 4.90% (variable)
Monthly repayments
£515
Scheme fees
£1,275
Annual cost
£6,814
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £380
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1.5% until 30/06/20
Other info
Exit fee £155
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.75% and then on a variable rate of 4.90% for the remaining 23 years would require 24 payments of £514 and 276 payments of £706. The total amount payable would be £208,467 made up of the loan amount plus interest (£82,192) and fees (£1,275). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
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Virgin Money
Max LTV 75%:
Fixed to 01/07/20
Initial rate
1.75%
then 4.99% (variable)
Monthly repayments
£515
Scheme fees
£1,609
Annual cost
£6,981
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £600
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/07/20
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.75% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £514 and 276 payments of £712. The total amount payable would be £210,457 made up of the loan amount plus interest (£83,848) and fees (£1,609). The overall cost for comparison is 4.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
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Virgin Money
Max LTV 70%:
Fixed to 01/07/20
Initial rate
1.78%
then 4.99% (variable)
Monthly repayments
£517
Scheme fees
£1,709
Annual cost
£7,053
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/07/20
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.78% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £516 and 276 payments of £713. The total amount payable would be £210,881 made up of the loan amount plus interest (£84,172) and fees (£1,709). The overall cost for comparison is 4.7% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Virgin Money
Max LTV 75%:
Fixed to 01/07/20
Initial rate
1.79%
then 4.99% (variable)
Monthly repayments
£517
Scheme fees
£1,709
Annual cost
£7,060
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/07/20
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.79% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £517 and 276 payments of £713. The total amount payable would be £210,905 made up of the loan amount plus interest (£84,196) and fees (£1,709). The overall cost for comparison is 4.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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Platform
Max LTV 75%:
Fixed to 30/06/20
Initial rate
1.79%
then 5.25% (variable)
Monthly repayments
£517
Scheme fees
£1,678
Annual cost
£7,045
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £179
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/06/20
Other info
Exit fee £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.79% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £517 and 276 payments of £730. The total amount payable would be £215,566 made up of the loan amount plus interest (£88,888) and fees (£1,678). The overall cost for comparison is 5.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
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Platform
Max LTV 65%:
Fixed to 30/06/20
Initial rate
1.79%
then 5.25% (variable)
Monthly repayments
£517
Scheme fees
£928
Annual cost
£6,670
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £179
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/06/20
Other info
Exit fee £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.79% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £517 and 276 payments of £730. The total amount payable would be £214,816 made up of the loan amount plus interest (£88,888) and fees (£928). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
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TSB
Max LTV 60%:
Fixed to 31/05/20
Initial rate
1.79%
then 4.84% (variable)
Monthly repayments
£517
Scheme fees
£1,195
Annual cost
£6,803
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £450
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/05/20
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.79% and then on a variable rate of 4.84% for the remaining 23 years would require 24 payments of £517 and 276 payments of £703. The total amount payable would be £207,631 made up of the loan amount plus interest (£81,436) and fees (£1,195). The overall cost for comparison is 4.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
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TSB
Max LTV 75%:
Fixed to 31/05/20
Initial rate
1.79%
then 4.84% (variable)
Monthly repayments
£517
Scheme fees
£2,195
Annual cost
£7,303
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £450
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/05/20
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.79% and then on a variable rate of 4.84% for the remaining 23 years would require 24 payments of £517 and 276 payments of £703. The total amount payable would be £208,631 made up of the loan amount plus interest (£81,436) and fees (£2,195). The overall cost for comparison is 4.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
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The Mortgage Works
Max LTV 65%:
Fixed to 31/05/20
Initial rate
1.79%
then 4.49% (variable)
Monthly repayments
£517
Scheme fees
£2,840
Annual cost
£7,626
Fees and charges
Booking fee £0
Arrangement fee £2,500
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/05/20
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 1.79% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £517 and 276 payments of £680. The total amount payable would be £202,928 made up of the loan amount plus interest (£75,088) and fees (£2,840). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
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The Mortgage Works
Max LTV 65%:
Fixed to 31/05/20
Initial rate
1.79%
then 4.49% (variable)
Monthly repayments
£517
Scheme fees
£2,335
Annual cost
£7,373
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £340
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/05/20
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 1.79% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £517 and 276 payments of £680. The total amount payable would be £202,423 made up of the loan amount plus interest (£75,088) and fees (£2,335). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
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Godiva
Max LTV 65%:
Fixed to 31/07/20
Initial rate
1.79%
then 4.74% (variable)
Monthly repayments
£517
Scheme fees
£1,999
Annual cost
£7,205
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/07/20
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.79% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £517 and 276 payments of £696. The total amount payable would be £206,503 made up of the loan amount plus interest (£79,504) and fees (£1,999). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
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Principality
Max LTV 60%:
3.10% discount to 30/06/20
Initial rate
1.80%
then 4.90% (variable)
Monthly repayments
£518
Scheme fees
£0
Annual cost
£6,213
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% to 30/06/20
Other info
Exit fee £155
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.80% and then on a variable rate of 4.90% for the remaining 23 years would require 24 payments of £517 and 276 payments of £707. The total amount payable would be £207,540 made up of the loan amount plus interest (£82,540) and fees (£0). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
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Bank of Ireland
Max LTV 75%:
Fixed to 31/05/20
Initial rate
1.82%
then 4.24% (variable)
Monthly repayments
£519
Scheme fees
£1,195
Annual cost
£6,825
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
3% reducing to 2% until 31/05/20
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.82% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £518 and 276 payments of £664. The total amount payable would be £196,891 made up of the loan amount plus interest (£70,696) and fees (£1,195). The overall cost for comparison is 4.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
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Platform
Max LTV 65%:
Base+1.34% for 2 years
Initial rate
1.84%
then 5.25% (variable)
Monthly repayments
£520
Scheme fees
£1,678
Annual cost
£7,081
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £179
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% for 2 years
Other info
Exit fee £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.84% and then on a variable rate of 5.25% for the remaining 23 years would require 24 payments of £520 and 276 payments of £730. The total amount payable would be £215,638 made up of the loan amount plus interest (£88,960) and fees (£1,678). The overall cost for comparison is 4.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
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HSBC
Max LTV 60%:
Base +1.34% for 2 years
Initial rate
1.84%
then 5.00% (variable)
Monthly repayments
£520
Scheme fees
£1,999
Annual cost
£7,241
Fees and charges
Booking fee £249
Arrangement fee £1,750
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.84% and then on a variable rate of 5.00% for the remaining 23 years would require 24 payments of £520 and 276 payments of £714. The total amount payable would be £211,543 made up of the loan amount plus interest (£84,544) and fees (£1,999). The overall cost for comparison is 4.8% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 4.8% APRC
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Natwest
Max LTV 60%:
Fixed to 31/07/20
Initial rate
1.84%
then 4.49% (variable)
Monthly repayments
£520
Scheme fees
£1,243
Annual cost
£6,863
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/07/20
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.84% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £520 and 276 payments of £680. The total amount payable would be £201,403 made up of the loan amount plus interest (£75,160) and fees (£1,243). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
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Barclays
Max LTV 60%:
Base+1.35% for 2 years
Initial rate
1.85%
then 4.99% (variable)
Monthly repayments
£521
Scheme fees
£2,180
Annual cost
£7,339
Fees and charges
Booking fee £0
Arrangement fee £1,950
Valuation fee £230
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 25% p/a
Early repayment charge:
1% for 2 years
Other info
Exit fee £80
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 4.99% for the remaining 23 years would require 24 payments of £520 and 276 payments of £713. The total amount payable would be £211,448 made up of the loan amount plus interest (£84,268) and fees (£2,180). The overall cost for comparison is 4.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
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When compiling our buy to let best buy tables we choose the best buy to let mortgage rates from across the UK market, including deals that are exclusive to us. It's important to remember that the best buy to let mortgage deals are not necessarily about getting the lowest mortgage rate possible, you also need to take into account all the fees and charges associated in setting up your new mortgage deal.

By choosing L&C to find your next buy to let mortgage deal our advisers will research the market for you, looking at criteria, set up fees and the rate to get the best buy to let mortgage deal for your circumstances, saving you time and effort. Our best buy tables below show you the pick of the buy to let mortgage deals currently available, both fixed rates and variable rates, whether you are looking to purchase or remortgage.

After taking out a buy to let mortgage or another financial product, 93% of L&C customers would recommend us based on 1242 Reviews.co.uk respondents - as of 24/11/17. Read our reviews


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


Buy to let mortgages explained


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

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


Landlord mortgages


You can’t apply for a normal residential mortgage on a property which you let out as a landlord. You should therefore talk to your lender if you already have a normal mortgage on the property you want to let out and ask about switching to a landlord mortgage, or seek advice from a buy-to-let mortgage broker if you are buying a new property to let out.


Buy to let mortgage deposit


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


Finding the best buy-to-let mortgage rates & deals


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

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

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


Charging rent


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

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

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


Buy to let mortgage criteria


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

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


What types of buy to let mortgage deal are available?


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

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

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


Interest-only buy to let


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

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

First time buyer
Buying a home
Remortgage your home
Buy to Let
Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.
Representative example A mortgage of £194,837 payable over 22 years, initially on a fixed rate until 30/06/23 at 2.19% and then on a variable rate of 4.49% for the remaining 17 years would require 62 payments of £930.05 and 202 payments of £1,108.55. The total amount payable would be £282,722 made up of the loan amount plus interest (£86,753) and fees (£1,132). The overall cost for comparison is 3.6% APRC representative
London & Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is a company limited by shares. Our Companies House number is 1988608. We are also authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let mortgages.
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