With 274 products currently available in our database from 7 lenders, Buy to Let customers have a lot of potential choice with products generally being available over all terms with interest rates sitting between 4.89% and 8.99%
With 274 products currently available in our database from 7 lenders, Buy to Let customers have a lot of potential choice with products generally being available over all terms with interest rates sitting between 4.89% and 8.99%.
Check back weekly or favourite this page to keep an eye on the ever-changing rates. The table below is updated as of September 25, 2023 and rates are subject to change.
Buy-to-let mortgage rate – 2-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | Limited Variable | 8.99% | 8.99% | £995.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | Limited Variable | 8.49% | 8.49% | £995.00 | 65% |
| BARCLAYS | Green Home Buy to Let (BTL) Fixed Rate | 2 years | 6.28% | 9.4 APRC | £1295.00 | 75% |
| BARCLAYS | Buy to Let (BTL) Purchase & Remortgage Fixed Rate (Not available for Portfolio Landlords) | 2 years | 6.61% | 9.5 APRC | £2495.00 | 60% |
| BARCLAYS | Buy to Let (BTL) Purchase Only Tracker at 1.30% (Not available for Portfolio Landlords) | 2 years | 6.55% | 9.5 APRC | £1295.00 | 60% |
| BARCLAYS | Buy to Let (BTL) Purchase Only Tracker at 1.32% (Not available for Portfolio Landlords) | 2 years | 6.57% | 9.5 APRC | £1295.00 | 75% |
| BARCLAYS | Buy to Let (BTL) Purchase Only Fixed Rate (Not available for Portfolio Landlords) | 2 years | 6.38% | 9.5 APRC | £1295.00 | 75% |
| BARCLAYS | Buy to Let (BTL) Remortgage Only Fixed (Not available for Portfolio Landlords) | 2 years | 6.50% | 9.4 APRC | £0.00 | 60% |
| BARCLAYS | Buy to Let (BTL) Remortgage Only Fixed (Not available for Portfolio Landlords) | 2 years | 6.46% | 9.5 APRC | £1795.00 | 75% |
| BARCLAYS | Buy to Let (BTL) Portfolio Landlords Purchase & Remortgage Fixed Rate (Available for Portfolio Landlords* Only) | 2 years | 6.40% | 9.5 APRC | £2495.00 | 75% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Fixed | 2 years | 5.80% | 9.3 APRC | £1795.00 | 65% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Fixed | 2 years | 6.25% | 9.3 APRC | £0.00 | 65% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Fixed | 2 years | 5.85% | 9.3 APRC | £1795.00 | 75% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Fixed | 2 years | 6.42% | 9.3 APRC | £0.00 | 75% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 6.59% | 9.5 APRC | £1795.00 | 65% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 6.67% | 9.6 APRC | £1795.00 | 75% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 7.20% | 9.5 APRC | £0.00 | 75% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 7.89% | 9.7 APRC | £299.00 | 75% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Fixed | 2 years | 6.80% | 9.4 APRC | £0.00 | Over 75% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Fixed | 2 years | 6.61% | 9.4 APRC | £1795.00 | 60% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 6.80% | 9.4 APRC | £1795.00 | 60% |
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 2 years | 6.34% | 7.6 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 2 years | 5.64% | 7.7 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Purchase Tracker Fee Saver | 2 years | 6.34% | 7.6 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Purchase Tracker Standard | 2 years | 5.79% | 7.8 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 2 years | 6.29% | 7.6 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 5.64% | 7.7 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Tracker Fee Saver | 2 years | 6.34% | 7.6 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Remortgage Tracker Standard | 2 years | 5.79% | 7.8 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 2 years | 6.39% | 7.6 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 2 years | 5.74% | 7.8 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Purchase Tracker Fee Saver | 2 years | 6.34% | 7.6 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Purchase Tracker Standard | 2 years | 5.79% | 7.8 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 6.39% | 7.6 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 5.74% | 7.8 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Tracker Fee Saver | 2 years | 6.34% | 7.6 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Remortgage Tracker Standard | 2 years | 5.79% | 7.8 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 2 years | 6.39% | 7.6 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 2 years | 5.74% | 7.8 APRC | £1999.00 | 75% |
| HSBC | Buy-to-Let Purchase Tracker Fee Saver | 2 years | 6.44% | 7.6 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Purchase Tracker Standard | 2 years | 5.94% | 7.8 APRC | £1999.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 2 years | 6.39% | 7.6 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 5.74% | 7.8 APRC | £1999.00 | 75% |
| HSBC | Buy-to-Let Remortgage Tracker Fee Saver | 2 years | 6.44% | 7.6 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Remortgage Tracker Standard | 2 years | 5.99% | 7.8 APRC | £1999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 2 years | 6.29% | 7.6 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 2 years | 5.34% | 8.0 APRC | £1999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver Buy to Let | 2 years | 6.34% | 7.6 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Standard Buy to Let | 2 years | 5.74% | 8.1 APRC | £1999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 2 years | 6.29% | 7.6 APRC | £0.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 2 years | 5.39% | 8.0 APRC | £1999.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Standard Buy to Let | 2 years | 5.79% | 8.1 APRC | £1999.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver Buy to Let | 2 years | 6.34% | 7.6 APRC | £0.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 2 years | 6.34% | 7.6 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 2 years | 5.39% | 8.0 APRC | £1999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver Buy to Let | 2 years | 6.44% | 7.6 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Standard Buy to Let | 2 years | 5.89% | 8.1 APRC | £1999.00 | 75% |
| LLOYDS BANK | Club Lloyds New Buy to Let Fixed Rate | 2 years | 7.05% | 9.5 APRC | £0.00 | 0-70% |
| LLOYDS BANK | Non-Club Lloyds New Buy to Let Fixed Rate | 2 years | 7.25% | 9.6 APRC | £0.00 | 0-70% |
| LLOYDS BANK | Club Lloyds Buy to Let Remortgages Fixed Rate | 2 years | 6.31% | 9.4 APRC | £0.00 | 0-70% |
| LLOYDS BANK | Club Lloyds Buy to Let Remortgages Fixed Rate | 2 years | 6.51% | 9.4 APRC | £0.00 | 0-70% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 4.89% | 8.49% | 3% of loan | 65% |
| NATIONWIDE BS | Buy to Let Further Advance Fixed | 2 years | 5.29% | 8.49% | 3% of loan | 65% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 2 years | 5.29% | 8.49% | 3% of loan | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 5.54% | 8.49% | 3% of loan | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 5.89% | 8.49% | £1495.00 | 65% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 2 years | 5.99% | 8.49% | £1495.00 | 65% |
| NATIONWIDE BS | Buy to Let Further Advance Fixed | 2 years | 6.79% | 8.49% | £0.00 | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 6.09% | 8.49% | £1495.00 | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 6.39% | 8.49% | £0.00 | 65% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 2 years | 6.79% | 8.49% | £0.00 | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 7.04% | 8.49% | £0.00 | 65% |
| NATIONWIDE BS | Buy to Let Remortgage Tracker | 2 years | 5.34% | 8.49% | 3% of loan | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Tracker | 2 years | 5.49% | 8.49% | 3% of loan | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Tracker | 2 years | 5.94% | 8.49% | £1495.00 | 65% |
| NATIONWIDE BS | Buy to Let Remortgage Tracker | 2 years | 6.14% | 8.49% | £1495.00 | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Tracker | 2 years | 6.14% | 8.49% | £1495.00 | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Tracker | 2 years | 6.34% | 8.49% | £0.00 | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Tracker | 2 years | 6.74% | 8.49% | £0.00 | 65% |
| NATIONWIDE BS | Buy to Let Remortgage Tracker | 2 years | 6.54% | 8.49% | £0.00 | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 4.94% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Further Advance Fixed | 2 years | 5.34% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 2 years | 5.34% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 5.59% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Fixed (HMO) | 2 years | 5.89% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 5.99% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 2 years | 6.04% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Further Advance Fixed | 2 years | 6.84% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 6.14% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 6.44% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Fixed (HMO) | 2 years | 7.14% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 2 years | 6.84% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 7.09% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Fixed (HMO) | 2 years | 7.39% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Tracker | 2 years | 5.44% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Tracker | 2 years | 5.59% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Tracker | 2 years | 6.24% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Tracker | 2 years | 6.04% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Tracker | 2 years | 6.24% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Tracker | 2 years | 6.44% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Tracker | 2 years | 6.84% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Tracker | 2 years | 6.64% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 6.49% | 8.99% | 2% of loan | 80% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 6.84% | 8.99% | 2% of loan | 80% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 7.49% | 8.99% | £0.00 | 80% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 2 years | 7.84% | 8.99% | £0.00 | 80% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Fixed | 2 years | 5.74% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Fixed (HMO) | 2 years | 5.89% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Limited Company Fixed | 2 years | 5.99% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Fixed | 2 years | 6.84% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Limited Company Fixed | 2 years | 6.99% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Fixed | 2 years | 7.24% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Limited Company Fixed | 2 years | 7.49% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Tracker | 2 years | 5.74% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Limited Company Tracker | 2 years | 6.04% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Fixed | 2 years | 7.29% | 8.99% | 2% of loan | 80% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 2 years | 5.84% | 9.1 APRC | £995.00 | 60% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 2 years | 6.24% | 9.1 APRC | £0.00 | 60% |
| TSB | Existing Customers Product Transfer Buy-to-Let Tracker Rate | 2 years | 5.74% | 9.1 APRC | £995.00 | 60% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 2 years | 5.94% | 9.2 APRC | £995.00 | 60% to 75% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 2 years | 6.34% | 9.1 APRC | £0.00 | 60% to 75% |
| TSB | Existing Customers Product Transfer Buy-to-Let Tracker Rate | 2 years | 5.89% | 9.2 APRC | £995.00 | 60% to 75% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 2 years | 6.14% | 9.2 APRC | £995.00 | 75% to 80% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 2 years | 6.54% | 9.2 APRC | £0.00 | 75% to 80% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 2 years | 6.59% | 9.2 APRC | £0.00 | 80% to 120% |
| TSB | Existing Customers Additional Borrowing Buy-to-Let Fixed Rate | 2 years | 6.24% | 9.1 APRC | £0.00 | 60% |
| TSB | Existing Customers Additional Borrowing Buy-to-Let Tracker Rate | 2 years | 6.14% | 9.1 APRC | £0.00 | 60% |
| TSB | Existing Customers Additional Borrowing Buy-to-Let Fixed Rate | 2 years | 6.34% | 9.1 APRC | £0.00 | 60% to 75% |
| TSB | Existing Customers Additional Borrowing Buy-to-Let Tracker Rate | 2 years | 6.29% | 9.1 APRC | £0.00 | 60% to 75% |
| TSB | Buy-to-Let House Purchase Fixed Rate | 2 years | 5.69% | 9.3 APRC | £1995.00 | 60% |
| TSB | Buy-to-Let House Purchase Fixed Rate | 2 years | 5.99% | 9.3 APRC | £995.00 | 60% |
| TSB | Buy-to-Let House Purchase Tracker Rate | 2 years | 5.74% | 9.2 APRC | £995.00 | 60% |
| TSB | Buy-to-Let House Purchase Tracker Rate | 2 years | 5.89% | 9.3 APRC | £995.00 | 60% to 70% |
| TSB | Buy-to-Let House Purchase Fixed Rate | 2 years | 5.79% | 9.3 APRC | £1995.00 | 60% to 75% |
| TSB | Buy-to-Let House Purchase Fixed Rate | 2 years | 6.09% | 9.3 APRC | £995.00 | 60% to 75% |
| TSB | Buy-to-Let Remortgage Fixed Rate | 2 years | 5.69% | 9.2 APRC | £1995.00 | 60% |
| TSB | Buy-to-Let Remortgage Fixed Rate | 2 years | 5.99% | 9.2 APRC | £995.00 | 60% |
| TSB | Buy-to-Let Remortgage Fixed Rate | 2 years | 6.39% | 9.2 APRC | £0.00 | 60% |
| TSB | Buy-to-Let Remortgage Tracker Rate | 2 years | 5.74% | 9.2 APRC | £995.00 | 60% |
| TSB | Buy-to-Let Remortgage Tracker Rate | 2 years | 5.89% | 9.2 APRC | £995.00 | 60% to 70% |
| TSB | Buy-to-Let Remortgage Fixed Rate | 2 years | 5.79% | 9.3 APRC | £1995.00 | 60% to 75% |
| TSB | Buy-to-Let Remortgage Fixed Rate | 2 years | 6.09% | 9.2 APRC | £995.00 | 60% to 70% |
| TSB | Buy-to-Let Remortgage Fixed Rate | 2 years | 6.49% | 9.3 APRC | £0.00 | 60% to 75% |
| VIRGIN MONEY | Purchase a Buy-to-Let Property Everyday Fixed Cashback | 2 years | 6.34% | 9.6 APRC | £1995.00 | |
| VIRGIN MONEY | Purchase a Buy-to-Let Property Everyday Fixed Cashback | 2 years | 6.48% | 9.6 APRC | £995.00 | |
| VIRGIN MONEY | Purchase a Buy-to-Let Property Everyday Fixed Cashback | 2 years | 6.60% | 9.5 APRC | £0.00 | |
| VIRGIN MONEY | Purchase a Buy-to-Let Property Everyday Tracker Cashback | 2 years | 6.35% | 9.6 APRC | £995.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed | 2 years | 6.34% | 9.6 APRC | £1995.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed Cashback | 2 years | 6.34% | 9.6 APRC | £1995.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed | 2 years | 6.48% | 9.5 APRC | £995.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed Cashback | 2 years | 6.48% | 9.5 APRC | £995.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed | 2 years | 6.60% | 9.5 APRC | £0.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed Cashback | 2 years | 6.60% | 9.5 APRC | £0.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Tracker | 2 years | 6.35% | 9.6 APRC | £995.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Tracker Cashback | 2 years | 6.35% | 9.5 APRC | £995.00 |
Buy-to-let mortgage rate – 3-year term
There are currently no lenders offering these products at the moment.
Buy-to-let mortgage rate – 5-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| BARCLAYS | Green Home Buy to Let (BTL) Fixed Rate | 5 years | 6.10% | 8.4 APRC | £1295.00 | 75% |
| BARCLAYS | Buy to Let (BTL) Purchase & Remortgage Fixed Rate (Not available for Portfolio Landlords) | 5 years | 6.10% | 8.4 APRC | £2495.00 | 60% |
| BARCLAYS | Buy to Let (BTL) Purchase Only Fixed Rate (Not available for Portfolio Landlords) | 5 years | 6.20% | 8.5 APRC | £1295.00 | 75% |
| BARCLAYS | Buy to Let (BTL) Remortgage Only Fixed (Not available for Portfolio Landlords) | 5 years | 5.79% | 8.2 APRC | £0.00 | 60% |
| BARCLAYS | Buy to Let (BTL) Remortgage Only Fixed (Not available for Portfolio Landlords) | 5 years | 6.05% | 8.5 APRC | £1795.00 | 75% |
| BARCLAYS | Buy to Let (BTL) Remortgage Only Fixed (Not available for Portfolio Landlords) | 5 years | 6.20% | 8.4 APRC | £0.00 | 75% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Fixed | 5 years | 5.30% | 7.9 APRC | £1795.00 | 65% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Fixed | 5 years | 5.63% | 8.0 APRC | £0.00 | 65% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Fixed | 5 years | 5.60% | 8.1 APRC | £1795.00 | 75% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Fixed | 5 years | 5.75% | 8.0 APRC | £0.00 | 75% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Fixed | 5 years | 6.21% | 8.3 APRC | £0.00 | Over 75% |
| BARCLAYS | Existing Mortgage Customers Reward Buy-to-Let Fixed | 5 years | 6.10% | 8.2 APRC | £1795.00 | 60% |
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 5 years | 5.59% | 6.9 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 5 years | 5.24% | 7.0 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 5 years | 5.64% | 7.0 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 5.34% | 7.1 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 5 years | 5.69% | 7.0 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 5 years | 5.34% | 7.1 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 5 years | 5.69% | 7.0 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 5.39% | 7.1 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 5 years | 5.79% | 7.0 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 5 years | 5.49% | 7.2 APRC | £1999.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 5 years | 5.69% | 7.0 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 5.39% | 7.1 APRC | £1999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 5 years | 5.44% | 6.9 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 5 years | 5.24% | 7.3 APRC | £1999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 5 years | 5.44% | 6.9 APRC | £0.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 5 years | 5.29% | 7.4 APRC | £1999.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 5 years | 5.49% | 6.9 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 5 years | 5.29% | 7.4 APRC | £1999.00 | 75% |
| LLOYDS BANK | Club Lloyds New Buy to Let Fixed Rate | 5 years | 5.60% | 8.4 APRC | £0.00 | 0-70% |
| LLOYDS BANK | Non-Club Lloyds New Buy to Let Fixed Rate | 5 years | 5.80% | 8.5 APRC | £0.00 | 0-70% |
| LLOYDS BANK | Non-Club Lloyds Buy to Let Remortgages Fixed Rate | 5 years | 5.51% | 8.4 APRC | £0.00 | 0-70% |
| LLOYDS BANK | Non-Club Lloyds Buy to Let Remortgages Fixed Rate | 5 years | 5.71% | 8.5 APRC | £0.00 | 0-70% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 4.99% | 8.49% | 3% of loan | 55.00000000000001% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 5 years | 5.09% | 8.49% | 3% of loan | 55.00000000000001% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.34% | 8.49% | £1495.00 | 55.00000000000001% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 5 years | 5.39% | 8.49% | £1495.00 | 55.00000000000001% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.59% | 8.49% | £0.00 | 55.00000000000001% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 5 years | 5.69% | 8.49% | £0.00 | 55.00000000000001% |
| NATIONWIDE BS | Buy to Let Further Advance Fixed | 5 years | 5.14% | 8.49% | 3% of loan | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.04% | 8.49% | 3% of loan | 65% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 5 years | 5.14% | 8.49% | 3% of loan | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.19% | 8.49% | 3% of loan | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.39% | 8.49% | £1495.00 | 65% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 5 years | 5.44% | 8.49% | £1495.00 | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.64% | 8.49% | £0.00 | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.49% | 8.49% | £1495.00 | 65% |
| NATIONWIDE BS | Buy to Let Further Advance Fixed | 5 years | 5.74% | 8.49% | £0.00 | 65% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 5 years | 5.74% | 8.49% | £0.00 | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.74% | 8.49% | £0.00 | 65% |
| NATIONWIDE BS | Buy to Let Further Advance Fixed | 5 years | 5.39% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.29% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 5 years | 5.39% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.44% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Green Further Advance Fixed | 5 years | 5.49% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.59% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 5 years | 5.64% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Fixed (HMO) | 5 years | 5.99% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Further Advance Fixed | 5 years | 5.99% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.69% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.89% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Fixed | 5 years | 5.99% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.99% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Fixed (HMO) | 5 years | 6.59% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Fixed (HMO) | 5 years | 6.49% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 6.19% | 8.99% | 2% of loan | 80% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 6.34% | 8.99% | 2% of loan | 80% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 6.59% | 8.99% | £0.00 | 80% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 6.74% | 8.99% | £0.00 | 80% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Fixed | 5 years | 5.49% | 8.99% | 5% of loan | 70% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 5 years | 5.59% | 8.99% | 5% of loan | 70% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Fixed | 5 years | 5.99% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Fixed (HMO) | 5 years | 5.99% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Green Further Advance Limited Company Fixed | 5 years | 5.99% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Fixed | 5 years | 6.49% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Limited Company Fixed | 5 years | 6.04% | 8.99% | 3% of loan | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Fixed | 5 years | 6.59% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Limited Company Fixed | 5 years | 6.54% | 8.99% | £1495.00 | 75% |
| NATIONWIDE BS | Buy to Let Remortgage Limited Company Fixed | 5 years | 6.84% | 8.99% | £0.00 | 75% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Fixed | 5 years | 6.84% | 8.99% | 2% of loan | 80% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Further Advance Limited Company Fixed | 5 years | 7.24% | 8.99% | £0.00 | 80% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 5 years | 5.39% | 7.8 APRC | £995.00 | 60% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 5 years | 5.59% | 7.8 APRC | £0.00 | 60% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 5 years | 5.49% | 7.9 APRC | £995.00 | 60% to 75% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 5 years | 5.69% | 7.9 APRC | £0.00 | 60% to 75% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 5 years | 5.69% | 8.0 APRC | £995.00 | 75% to 80% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 5 years | 5.89% | 8.0 APRC | £0.00 | 75% to 80% |
| TSB | Existing Customers Product Transfer Buy-to-Let Fixed Rate | 5 years | 5.94% | 8.0 APRC | £0.00 | 80% to 120% |
| TSB | Existing Customers Additional Borrowing Buy-to-Let Fixed Rate | 5 years | 5.59% | 7.8 APRC | £0.00 | 60% |
| TSB | Existing Customers Additional Borrowing Buy-to-Let Fixed Rate | 5 years | 5.69% | 7.9 APRC | £0.00 | 60% to 75% |
| TSB | Buy-to-Let House Purchase Fixed Rate | 5 years | 5.39% | 8.2 APRC | £1995.00 | 60% |
| TSB | Buy-to-Let House Purchase Fixed Rate | 5 years | 5.59% | 8.2 APRC | £995.00 | 60% |
| TSB | Buy-to-Let House Purchase Fixed Rate | 5 years | 5.54% | 8.3 APRC | £1995.00 | 60% to 75% |
| TSB | Buy-to-Let House Purchase Fixed Rate | 5 years | 5.69% | 8.3 APRC | £995.00 | 60% to 75% |
| TSB | Buy-to-Let Remortgage Fixed Rate | 5 years | 5.39% | 8.0 APRC | £1995.00 | 60% |
| TSB | Buy-to-Let Remortgage Fixed Rate | 5 years | 5.59% | 8.1 APRC | £995.00 | 60% |
| TSB | Buy-to-Let Remortgage Fixed Rate | 5 years | 5.79% | 8.1 APRC | £0.00 | 60% |
| TSB | Buy-to-Let Remortgage Fixed Rate | 5 years | 5.54% | 8.1 APRC | £1995.00 | 60% to 75% |
| TSB | Buy-to-Let Remortgage Fixed Rate | 5 years | 5.69% | 8.1 APRC | £995.00 | 60% to 75% |
| TSB | Buy-to-Let Remortgage Fixed Rate | 5 years | 5.89% | 8.1 APRC | £0.00 | 60% to 75% |
| VIRGIN MONEY | Purchase a Buy-to-Let Property Everyday Fixed Cashback | 5 years | 5.68% | 8.6 APRC | £1995.00 | |
| VIRGIN MONEY | Purchase a Buy-to-Let Property Everyday Fixed Cashback | 5 years | 5.83% | 8.6 APRC | £995.00 | |
| VIRGIN MONEY | Purchase a Buy-to-Let Property Everyday Fixed Cashback | 5 years | 5.88% | 8.5 APRC | £0.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed | 5 years | 5.68% | 8.6 APRC | £1995.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed Cashback | 5 years | 5.68% | 8.6 APRC | £1995.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed | 5 years | 5.83% | 8.6 APRC | £995.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed Cashback | 5 years | 5.83% | 8.6 APRC | £995.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed | 5 years | 5.88% | 8.5 APRC | £0.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed Cashback | 5 years | 5.88% | 8.5 APRC | £0.00 |
Buy-to-let mortgage rate – 10-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 10 years | 5.49% | 8.49% | £0.00 | 65% |
| NATIONWIDE BS | Buy to Let Purchase Remortgage Fixed | 10 years | 5.59% | 8.99% | £0.00 | 75% |
| VIRGIN MONEY | Purchase a Buy-to-Let Property Everyday Fixed Cashback | 10 years | 5.58% | 7.5 APRC | £995.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed | 10 years | 5.58% | 7.5 APRC | £995.00 | |
| VIRGIN MONEY | Remortgage Buy-to-Let Everyday Fixed Cashback | 10 years | 5.58% | 7.5 APRC | £995.00 |
Buy To Let FAQs
Are interest rates higher on buy-to-let mortgages?
Interest rates on buy-to-let mortgages are not necessarily higher than other products in the current climate although a higher deposit is often required. However, set up fees and other fees that go with house purchases are often higher for buy-to-let properties than they are for residential purchases. A higher deposit is also usually required for a buy-to-let mortgage, this is often 25-40% depending on the property, the mortgage terms and the lender.
Whilst there are exceptions, most buy-to-let mortgages are interest-only meaning that you don’t pay the capital amount and at the end of the mortgage term, the full loan amount will be payable.
The fees involved with purchasing buy-to-let properties are often higher than when purchasing a residential home, for the mortgage arrangement fees this can often be a percentage of the property value. Fees tend to be higher because tenants are viewed by lenders as being higher risk than those purchasing to live in a property.
In addition to mortgages rates and additional fees, buy-to-let properties are subject to Capital Gains Tax at either 18% or 28% depending on your tax rate. Any income received from rent is also treated as taxable income. Landlords are no longer able to deduct mortgage interest from rental income to reduce the tax payable. Instead, a tax credit is received based on 20% of the interest of your mortgage payments.
Is there a 10% buy-to-let mortgage?
The minimum deposit required for a buy-to-let mortgage is around 20% although some new build developers offer incentives on 10-15% deposits, however a higher deposit is usually required for a buy-to-let mortgage, this is often 25-40% depending on the property, the mortgage terms and the lender.
Interest rates on buy-to-let mortgages are not necessarily higher than other products in the current climate although a higher deposit is often required. However, set up fees and other fees that go with house purchases are often higher for buy-to-let properties than they are for residential purchases. A higher deposit is also usually required for a buy-to-let mortgage, this is often 25-40% depending on the property, the mortgage terms and the lender.
Whilst there are exceptions, most buy-to-let mortgages are interest-only meaning that you don’t pay the capital amount and at the end of the mortgage term, the full loan amount will be payable.
The fees involved with purchasing buy-to-let properties are often higher than when purchasing a residential home, for the mortgage arrangement fees this can often be a percentage of the property value. Fees tend to be higher because tenants are viewed by lenders as being higher risk than those purchasing to live in a property.
In addition to mortgages rates and additional fees, buy-to-let properties are subject to Capital Gains Tax at either 18% or 28% depending on your tax rate. Any income received from rent is also treated as taxable income. Landlords are no longer able to deduct mortgage interest from rental income to reduce the tax payable. Instead, a tax credit is received based on 20% of the interest of your mortgage payments.
Is it better to have a mortgage on a buy-to-let property?
Buy-to-Let properties are seen as higher risk to lenders so interest rates and required deposits are often higher than residential mortgages. Initial set up fees are usually also higher and there will be additional taxation on buy-to-let income. If you purchase a property and plan to rent it out in any capacity, a buy-to-let mortgage is required.
Whilst there are exceptions, most buy-to-let mortgages are interest-only meaning that you don’t pay the capital amount and at the end of the mortgage term, the full loan amount will be payable.
The fees involved with purchasing buy-to-let properties are often higher than when purchasing a residential home, for the mortgage arrangement fees this can often be a percentage of the property value. Fees tend to be higher because tenants are viewed by lenders as being higher risk than those purchasing to live in a property.
In addition to mortgages rates and additional fees, buy-to-let properties are subject to Capital Gains Tax at either 18% or 28% depending on your tax rate. Any income received from rent is also treated as taxable income. Landlords are no longer able to deduct mortgage interest from rental income to reduce the tax payable. Instead, a tax credit is received based on 20% of the interest of your mortgage payments.
Do buy-to-let mortgages have higher interest rates?
Interest rates on buy-to-let mortgages are not necessarily higher than other products in the current climate although a higher deposit is often required. However, set up fees and other fees that go with house purchases are often higher for buy-to-let properties than they are for residential purchases. A
higher deposit is also usually required for a buy-to-let mortgage, this is often 25-40% depending on the property, the mortgage terms and the lender.
Whilst there are exceptions, most buy-to-let mortgages are interest-only meaning that you don’t pay the capital amount and at the end of the mortgage term, the full loan amount will be payable.
The fees involved with purchasing buy-to-let properties are often higher than when purchasing a residential home, for the mortgage arrangement fees this can often be a percentage of the property value. Fees tend to be higher because tenants are viewed by lenders as being higher risk than those purchasing to live in a property.
In addition to mortgages rates and additional fees, buy-to-let properties are subject to Capital Gains Tax at either 18% or 28% depending on your tax rate. Any income received from rent is also treated as taxable income. Landlords are no longer able to deduct mortgage interest from rental income to reduce the tax payable. Instead, a tax credit is received based on 20% of the interest of your mortgage payments.
