A selection of our very best rates.
Last updated 12/02/2020
| Lender | Initial Rate | Until | Max LTV | Arrangement Fee | Redemption Penalty | Rental Cover |
|---|---|---|---|---|---|---|
|
TMW
|
1.19% | 2 year fixed | 65% | 3%/2% | 145% @ 5.5% | |
|
BM Solutions
|
1.29% | 2 year fixed | 60% | £1,995 – free val | 2%/1% | 135% @ 5.5% |
|
TMW
|
1.54% | 2 year tracker | 65% | £1,995 | 2%/1% | 145% @ 5.5% |
|
Natwest
|
1.62% | 2 year tracker | 60% | £995 – free val | 1%/ 0.5% | 135% @ 5.5% |
|
Virgin
|
1.72% | 5 year fixed | 60% | £1,995 + £500 cashback | 4.5% | 145% @ 4.5% |
 |
|
| Initial Rate | 1.19% |
| Until | 2 year fixed |
| Max LTV | 65% |
| Arrangement Fee | |
| Redemption Penalty | 3%/2% |
| Rental Cover | 145% @ 5.5% |
| Quote | |
 |
|
| Initial Rate | 1.29% |
| Until | 2 year fixed |
| fixed Max LTV | 60% |
| Arrangement Fee | £1,995 – free val |
| Redemption Penalty | 2%/1% |
| Rental Cover | 135% @ 5.5% |
| Quote | |
|
|
| Initial Rate | 1.54% |
| Until | 2 year tracker |
| Max LTV | 65% |
| Arrangement Fee | £1,995 |
| Redemption Penalty | 2%/1% |
| Rental Cover | 145% @ 5.5% |
| Quote | |
 |
|
| Initial Rate | 1.62% |
| Until | 2 year tracker |
| Max LTV | 60% |
| Arrangement Fee | £995 – free val |
| Redemption Penalty | 1%/0.5% |
| Rental Cover | 135% @ 5.5% |
| Quote | |
 |
|
| Initial Rate | 1.72% |
| Until | 5 year fixed |
| Max LTV | 60% |
| Arrangement Fee | £1,995 + £500 cashback |
| Redemption Penalty | 4.5% |
| Rental Cover | 145% @ 4.5% |
| Quote | |
The buy to let market has changed significantly in recent years, but remains a solid long-term investment as long as you manage your risks and conduct thorough due diligence. The need for quality rental accommodation remains strong with demand continuing to outstrip supply across the country. This is due in part to a nationwide housing shortage, but the private rental sector is also proving to be a lifestyle choice for a significant amount of the population from young people through to retirees. Many appreciate the greater flexibility and freedom that renting provides along with the opportunity to live in locations that they might not otherwise be able to afford.
The criteria for obtaining a buy to let mortgage differ from lender to lender, but the following points provide a general guide to requirements in order to have access to the most competitive rates available:
There have been a number of changes in the buy to let market recently which make it more important than ever to turn to an expert for guidance. Here at The Buy to Let Business we are ideally positioned to access the very best rates from across the whole market. A selection appear above, but contact us today for details of the products that would work best for your personal circumstances.
Unsure of what kind of buy to let mortgage you're looking for? Professional mortgage advice is more important than ever. Call us. We're looking forward to hearing from you!
