Buy to let mortgages Archives

One-year fixed buy-to-let mortgage represented by a chained number one and house percentage padlock.

One-year buy to let fixes launched for landlords

Author: Property118.com Landlord News Team

20th October 2026, 2 hours ago | 0

Buy to let landlord borrowers are being offered one-year fixed rates from 3.49%, with a product fee of 2.5%. The...

Downward percentage arrow with houses symbolising buy-to-let mortgage rate cuts and cheaper property finance.

Buy to let lenders offer rate cuts and higher HMO terms

Author: Property118.com Landlord News Team

16th October 2026, 4 days ago | 0

Foundation has cut selected buy to let rates by up to 0.10 percentage points, with its range starting at 4.99%...

Five houses topped with rising stacks of gold coins illustrating growth in UK buy-to-let rental yields.

Landlord yields rise across most regions – Fleet

Author: Property118.com Landlord News Team

15th October 2026, 5 days ago | 0

Landlords saw average yields rise in eight of England and Wales’s 10 monitored regions over the past year. Fleet Mortgages’...

Student bedroom with desk and laptop, symbolising student rental housing changes

Insane student HMO heating costs?

Author: Readers Question

13th October 2026, 1 week ago | 26

Hi, I know I’m not alone, but my energy bills have gone through the roof in my student HMO’s. For...

Buy to let lenders lowering mortgage interest rates, illustrated by houses holding falling percentage symbols.

Two buy to let lenders lower rates

Author: Property118.com Landlord News Team

9th October 2026, 2 weeks ago | 0

Landlords buying with a 20% deposit will receive the largest reductions in the latest round of buy to let mortgage...

Landlords are being offered lower buy to let tracker rates and the freedom to leave some deals without early repayment charges from lenders. Five-year tracker mortgages are also being added to the options available to borrowers seeking an alternative to a fixed rate. YBS Commercial Mortgages has introduced a five-year BTL tracker at 4.90%, comprising Bank Base Rate plus 1.15%, available up to 75% loan to value with a 2% arrangement fee. Its equivalent deal for large multi-unit freehold blocks costs 5.14%, or Base Rate plus 1.39%, with the same borrowing limit and fee. The lender's managing director, Angela Norman, said: "Broker feedback has consistently highlighted a desire for a wider range of tracker options, particularly for landlords seeking greater product flexibility over a longer period. “Our new tracker products address that demand directly, giving investors more choice and value alongside traditional fixed rate and shorter-term options." Tracker exit charges Meanwhile, LendInvest has removed early repayment charges across its buy to let tracker range, allowing borrowers to refinance, repay or leave during the initial term without an exit penalty. The lender has also cut initial pay rates throughout the range, which it says will improve affordability assessments under interest coverage ratio checks. Maximum loan to value limits have risen from 70% to 75% for holiday lets, small multi-unit freehold blocks and large houses in multiple occupation. A dedicated tracker range for large multi-unit freehold blocks has also been introduced for portfolio landlords. Commercial mortgage discounts Atom bank has simplified its commercial mortgage pricing, reducing the number of price points per product to limit potential rate movements during an application. Discounts total up to 0.70%, depending on loan size, with the largest reductions applying to borrowing between £800,000 and £2m. The bank continues to offer discounts of up to 0.25% for properties with an EPC rating of B or above and applications with debt service coverage or interest coverage ratios of 200%. Its enhanced broker procuration fee of 1.75% has been extended to applications submitted before 31 March 2027.

Buy to let tracker rates cut as lenders expand choice

Author: Property118.com Landlord News Team

2nd October 2026, 3 weeks ago | 2

Landlords are being offered lower buy to let tracker rates and the freedom to leave some deals without early repayment...

GB Bank £25m buy-to-let lending graphic highlighting its increased maximum commercial property loan

GB Bank raises loan limit to £25m as Rely and Landbay launch BTL deals

Author: Property118.com Landlord News Team

24th September 2026, 4 weeks ago | 0

GB Bank has increased its maximum loan from £20m to £25m as it relaunches lending for commercial property investors. Borrowers...

Buy-to-let and homeowner properties on coins comparing mortgage arrears rates

Landlord BTL mortgage arrears historically lower than homeowners’

Author: Property118.com Landlord News Team

24th September 2026, 4 weeks ago | 1

Buy to let mortgages have recorded lower arrears rates than owner-occupier loans in every year but one since records began....

Buy to let homes illustrating wider mortgage options and greater borrowing flexibility for landlords

Buy to let landlord mortgage options broadened

Author: Property118.com Landlord News Team

7th September 2026, 1 month ago | 1

Landlords are being offered greater borrowing flexibility after The Mortgage Works widened several of its lending criteria and Pepper Money...

UK rental properties rising beneath £88,454, representing average annual landlord gross rent income

Average landlord portfolio income hits £88,454

Author: Property118.com Landlord News Team

4th September 2026, 2 months ago | 4

The average landlord portfolio is claimed to be generating £88,454 a year in gross rent income, up £16,476 from £71,978,...

Laptop showing a search for buy-to-let mortgages as landlord search activity slips in July

Buy to let mortgage searches ease in July

Author: Property118.com Landlord News Team

12th August 2026, 2 months ago | 0

Buy to let mortgage searches slipped in July as landlords continued to weigh borrowing costs, taxation and regulation before committing...

Buy-to-let mortgage options graphic with UK banknotes and coins representing new landlord lending choices.

Landlord lenders widen buy to let mortgage options and criteria

Author: Property118.com Landlord News Team

23rd July 2026, 3 months ago | 0

Landlords have been offered more buy to let borrowing options after four specialist lenders announced changes to their mortgage ranges...

Knife cutting a percentage symbol for buy-to-let mortgage rate changes

Buy to let lenders widen landlord mortgage choice

Author: Property118.com Landlord News Team

8th July 2026, 3 months ago | 0

Buy to let tracker mortgages are back on the agenda for landlords weighing up whether to stay flexible rather than...

Buy to let mortgage updates with residential properties and BTL lettering in the foreground

Buy to let lenders widen landlord options

Author: Property118.com Landlord News Team

24th June 2026, 4 months ago | 0

Paragon Bank, ModaMortgages and Darlington Building Society have announced changes to their buy to let ranges, covering tracker mortgages, upfront...

Energy efficiency rating scale inside a house outline, illustrating EPC upgrades for rental properties.

The Mortgage Works to pilot landlord EPC support package

Author: Property118.com Landlord News Team

23rd June 2026, 4 months ago | 0

The Mortgage Works is offering free property assessments and cut-price borrowing to help landlords prepare for the proposed Energy Performance...

Percentage symbol above suburban homes illustrating new buy-to-let mortgage deals and rate changes

Paragon unveils ‘Tailored’ BTL deals, while CHL and YBS cut rates

Author: Property118.com Landlord News Team

11th June 2026, 4 months ago | 0

Landlords with more complex portfolios, short-term lets or commercial property interests are being offered new mortgage options as lenders adjust...

Search interest in buy-to-let mortgages declining as BTL mortgage searches fall in May

Buy to let mortgage searches fall again

Author: Property118.com Landlord News Team

9th June 2026, 4 months ago | 0

Mortgage searches fell again in May, with 1,590,911 being carried out, down 7% on April’s figure and 15% below May...

Green downward arrow breaking through percentage symbols above houses, illustrating falling buy-to-let mortgage rates

Five more buy to let lenders cut mortgage rates

Author: Property118.com Landlord News Team

5th June 2026, 5 months ago | 0

Five buy to let lenders have cut rates as competition for landlord mortgage business steps up across the market. Fleet...

Buy-to-let property balanced on coins amid rising mortgage rates and market volatility in the UK

Landlords seek certainty as buy to let mortgage market shifts

Author: Property118.com Landlord News Team

4th June 2026, 5 months ago | 1

Landlords are placing greater weight on certainty from lenders as rate movements, product withdrawals and shifting mortgage conditions continue to...

Model house, keys and buy to let mortgage paperwork with falling rate charts.

Buy to let lenders cut mortgage rates and launch new products

Author: Property118.com Landlord News Team

2nd June 2026, 5 months ago | 0

Foundation, Kensington Mortgages, Coventry for intermediaries and NatWest have all announced updates across their buy to let ranges, including new...

Landlord reviewing fixed-rate mortgage and portfolio figures beside a tablet, with a row of UK homes and a To Let sign behind.

Landlords pause their buy to let investment

Author: Property118.com Landlord News Team

1st June 2026, 5 months ago | 0

Landlords weighing their next portfolio move are cautious about buying again, with 52% saying they do not currently plan to...

Tag: Buy to let mortgages