Current rates
Buy-to-let mortgage rates.
A dated, like-for-like view of buy-to-let pricing across our 100+ lender panel — standard, limited company, HMO, holiday let and expat — compared on rate, fee structure and true cost over the deal period.
Standard buy-to-let
Standard single-let rates
Up to 75% LTV
| Lender | Product | Rate | Max LTV | Fee | Min ICR | Cost over period* | |
|---|---|---|---|---|---|---|---|
| Virgin Money | 5-year fixed, 65% LTV | 5.09% | 65% | £1,995 | 125% | £52,895 | Discuss this product → |
| BM Solutions | 5-year fixed, 75% LTV | 5.29% | 75% | £1,499 | 125% | £54,399 | Discuss this product → |
| Landbay | 5-year fixed, 75% LTV | 5.34% | 75% | 2.0% (£4,000) | 125% | £57,400 | Discuss this product → |
| BM Solutions | 2-year fixed, 75% LTV | 5.49% | 75% | £1,499 | 125% | £23,459 | Discuss this product → |
| Fleet Mortgages | 2-year fixed, 75% LTV | 5.59% | 75% | 3.0% (£6,000) | 125% | £28,360 | Discuss this product → |
| NatWest | 2-year tracker, 65% LTV | 5.74% | 65% | £995 | 125% | £23,955 | Discuss this product → |
Rates correct as of 11 June 2026. Sourced from lender product guides; eligibility criteria apply and products can be withdrawn without notice. *Interest plus product fee over the initial period on a £200,000 interest-only loan. Not a recommendation — we arrange and package buy-to-let finance, we do not advise.
Limited company
Limited company and SPV rates
| Lender | Product | Rate | Max LTV | Fee | Min ICR | Cost over period* | |
|---|---|---|---|---|---|---|---|
| Landbay | 5-year fixed, 65% LTV, limited company | 5.54% | 65% | 2.0% (£4,000) | 125% | £59,400 | Discuss this product → |
| Foundation Home Loans | 5-year fixed, 75% LTV, limited company | 5.64% | 75% | 2.0% (£4,000) | 125% | £60,400 | Discuss this product → |
| Paragon | 5-year fixed, 75% LTV, SPV | 5.69% | 75% | 3.0% (£6,000) | 130% | £62,900 | Discuss this product → |
| Aldermore | 5-year fixed, 75% LTV, SPV | 5.84% | 75% | £1,999 | 125% | £60,399 | Discuss this product → |
| Kent Reliance | 2-year fixed, 75% LTV, limited company | 5.89% | 75% | 2.5% (£5,000) | 125% | £28,560 | Discuss this product → |
Rates correct as of 11 June 2026. Sourced from lender product guides; eligibility criteria apply and products can be withdrawn without notice. *Interest plus product fee over the initial period on a £200,000 interest-only loan. Not a recommendation — we arrange and package buy-to-let finance, we do not advise.
Limited-company pricing typically carries a 20 to 40 basis-point premium over personal-name borrowing, offset for many landlords by full mortgage-interest deductibility inside the company. Our limited company vs personal calculator models the two structures side by side.
Specialist
HMO and multi-unit rates
| Lender | Product | Rate | Max LTV | Fee | Min ICR | Cost over period* | |
|---|---|---|---|---|---|---|---|
| Shawbrook | 5-year fixed, 75% LTV, HMO | 5.89% | 75% | 2.5% (£5,000) | 130% | £63,900 | Discuss this product → |
| Paragon | 5-year fixed, 75% LTV, HMO | 5.99% | 75% | 3.0% (£6,000) | 130% | £65,900 | Discuss this product → |
| LendInvest | 5-year fixed, 75% LTV, HMO | 6.09% | 75% | 2.0% (£4,000) | 130% | £64,900 | Discuss this product → |
| InterBay | 2-year fixed, 75% LTV, large HMO | 6.19% | 75% | 3.0% (£6,000) | 130% | £30,760 | Discuss this product → |
Rates correct as of 11 June 2026. Sourced from lender product guides; eligibility criteria apply and products can be withdrawn without notice. *Interest plus product fee over the initial period on a £200,000 interest-only loan. Not a recommendation — we arrange and package buy-to-let finance, we do not advise.
Holiday-let rates
| Lender | Product | Rate | Max LTV | Fee | Min ICR | Cost over period* | |
|---|---|---|---|---|---|---|---|
| Cumberland Building Society | 5-year fixed, 75% LTV, holiday let | 6.04% | 75% | £1,999 | 140% | £62,399 | Discuss this product → |
| Hodge | 5-year fixed, 70% LTV, holiday let | 6.14% | 70% | £1,995 | 140% | £63,395 | Discuss this product → |
| Suffolk Building Society | 2-year fixed, 70% LTV, holiday let | 6.39% | 70% | £1,499 | 140% | £27,059 | Discuss this product → |
Rates correct as of 11 June 2026. Sourced from lender product guides; eligibility criteria apply and products can be withdrawn without notice. *Interest plus product fee over the initial period on a £200,000 interest-only loan. Not a recommendation — we arrange and package buy-to-let finance, we do not advise.
Expat and overseas-landlord rates
| Lender | Product | Rate | Max LTV | Fee | Min ICR | Cost over period* | |
|---|---|---|---|---|---|---|---|
| Suffolk Building Society | 5-year fixed, 75% LTV, expat | 6.29% | 75% | £1,999 | 140% | £64,899 | Discuss this product → |
| Kent Reliance | 5-year fixed, 70% LTV, expat | 6.44% | 70% | 2.5% (£5,000) | 140% | £69,400 | Discuss this product → |
Rates correct as of 11 June 2026. Sourced from lender product guides; eligibility criteria apply and products can be withdrawn without notice. *Interest plus product fee over the initial period on a £200,000 interest-only loan. Not a recommendation — we arrange and package buy-to-let finance, we do not advise.
Frequently asked questions
How often are these rates updated?
The tables on this page were last verified on 11 June 2026 against lender product guides. Buy-to-let pricing moves frequently and products can be withdrawn at short notice, so we re-confirm pricing across the full panel before any application is packaged.
Why is the rate I am offered sometimes different?
Published rates assume a clean case at the stated loan-to-value. Property type, lease terms, portfolio size, credit history, and company structure all shift pricing. The table is a market view, not a quote; your actual terms come from packaging the case to the right lender.
Do these tables cover the whole market?
They show a representative sample from our 100+ lender panel across each product category. Every case we take on runs across the full panel, including lenders who price by case rather than publishing rate cards.
Should I pick the lowest rate?
Not necessarily. Percentage arrangement fees of 2 to 5 percent are common on buy-to-let, and a low headline rate with a 5 percent fee is often more expensive over the deal period than a higher rate with a flat fee. The cost-over-period column shows interest plus fee on a representative loan so products compare like for like.
Are buy-to-let mortgage rates regulated?
Most buy-to-let lending is unregulated commercial business and sits outside the FCA regulated mortgage regime. We arrange non-regulated buy-to-let mortgages only and do not arrange Consumer Buy-to-Let or other regulated mortgages.
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