0:01 AM, 9th January 2026, About 2 weeks ago
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Fleet Mortgages has rolled out a fresh set of remortgage deals offering cashback, while also cutting rates across much of its buy to let (BTL) range.
The lender has launched new two- and five-year remortgage products at 75% loan-to-value for standard, limited company and HMO or MUFB borrowers.
Each comes with cashback of between £500 and £1,000.
Pricing on the new deals starts from 4.54%, with eligibility open to landlords who have owned their property for at least six months.
Alongside the new range, Fleet has trimmed rates by up to 20 basis points across a broad selection of two- and five-year fixed products, covering both fee-paying and zero-fee options.
Lifetime tracker rates have also been reduced by 25 basis points following the latest Bank Base Rate cut, while two-year tracker products now move from percentage-based fees to a £1,499 fixed fee.
The lender has also added a new five-year fixed-rate option with a fixed £4,000 fee, priced at 4.79% at 75% LTV, available to standard and limited company borrowers with loans up to £750,000.
Fleet’s chief commercial officer, Steve Cox, said: “Remortgage demand remains a key part of the buy to let market, and we know that a considerable number of mortgages will be coming up for maturity through 2026, with advisers looking at options for those landlord clients.
“We wanted to respond with products that give advisers and landlords something meaningful to consider, in terms of rates, fees and a cashback offering.
“The launch of this new remortgage range, all with cashback, is designed to support borrowers who are refinancing and looking to improve their position, whether that is through lower monthly costs, greater certainty or a cash benefit on completion.”
RAW Capital Partners has introduced an overpayment feature designed to give landlords greater control over their borrowing.
New customers can now make one fee-free overpayment of up to 10% of their outstanding loan balance each year, without triggering early repayment charges.
The move applies across RAW’s mortgage range and is available to both UK and non-UK resident borrowers.
The firm’s chief executive, Tim Parkes, said: “For our clients, this new overpayment option gives them a straightforward way to reduce leverage, build equity and manage costs, without sacrificing the flexibility of an interest-only structure.”
Meanwhile, the latest Moneyfacts pick of the week feature has highlighted a reduced buy to let deal from HSBC.
The five-year fixed-rate mortgage at 75% loan-to-value is now priced at 3.79% until 28 February 2031, following cuts of up to 0.10% across the bank’s fixed-rate range.
A spokesperson for the platform, Caitlyn Eastell, said: “This week HSBC has reduced its fixed rate buy to let offerings by up to 0.10%.
“The five-year option for homemovers at 75% loan-to-value has seen this cut and is now priced at 3.79% until 28 February 2031.
“However, the deal does come with a large £3,999 product fee but is partially offset by its free valuation incentive.”
The BTL product allows overpayments, is open to second-time buyers and is available across Great Britain and Northern Ireland.
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