Compare Buy to Let Mortgages

Which4U compares the top UK lenders to offer a range of buy to let mortgages, ideal for customers buying new property, switching providers, moving to better deals or to increase their borrowing.

80% LTV Mortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
Aldermore Btl 2 Year Discount 2% Fee
Tracker
4.98%
4.48% above Bank of England base rate
4.98% (variable)
5.90%
80%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 20%
Max Mortgage Amount £400,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year
Aldermore Btl 3 Year Fixed 2.5% Fee
Fixed
5.08%
Fixed for 3 years
4.98% (variable)
5.90%
80%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 20%
Max Mortgage Amount £400,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year
Aldermore Btl 3 Year Fixed £1999 Fee
Fixed
5.48%
Fixed for 3 years
4.98% (variable)
6%
80%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 20%
Max Mortgage Amount £400,000
Shared Ownership NO
Overpayments? YES
App Fee £1,999 - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year
Aldermore Btl 5 Year Fixed £1999 Fee
Fixed
5.78%
Fixed for 5 years
4.98% (variable)
6%
80%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 20%
Max Mortgage Amount £400,000
Shared Ownership NO
Overpayments? YES
App Fee £1,999 - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year; then 2% of loan amount redeemed to be paid for next 2 years
Aldermore Btl 2 Year Fixed 2.5% Fee
Fixed
4.78%
Fixed for 2 years
4.98% (variable)
5.90%
80%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 20%
Max Mortgage Amount £400,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year
Aldermore Btl Term Variable £1999 Fee
Tracker
4.98%
4.48% above Bank of England base rate
4.98% (variable)
5.50%
80%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 20%
Max Mortgage Amount £400,000
Shared Ownership NO
Overpayments? YES
App Fee £1,999 - Can be added to loan without conditions
Early Repayment Charge 3% of loan amount redeemed to be paid within 1 year; then 2% of loan amount redeemed to be paid for next 1 year; then 1% of loan amount redeemed to be paid for next 1 year
Aldermore Btl 5 Year Fixed No Fee Remortgage
Fixed
5.98%
Fixed for 5 years
4.98% (variable)
5.90%
80%
£199
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 20%
Max Mortgage Amount £400,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year; then 2% of loan amount redeemed to be paid for next 2 years

70% LTV Mortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
Leeds Bs Btl 2 Year Fixed £800 Fee
2.89%
5.99% (variable)
5.40%
70%
£800
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £800 - Can be added to loan provided loan does not exceed limit set by loan to value ratio
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year
Virgin Btl 2 Year Fixed 2.5% Fee
Fixed
2.69%
Fixed until 28/02/2017
4.99% (variable)
5.10%
70%
£99
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 2.5% of loan amount redeemed to be paid within 2 years
Virgin Btl 2 Year Fixed £1995 Fee
Fixed
2.75%
Fixed until 28/02/2017
4.99% (variable)
5%
70%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 2.5% of loan amount redeemed to be paid within 2 years
Virgin Btl 3 Year Fixed £1995 Fee
Fixed
3.29%
Fixed until 28/02/2018
4.99% (variable)
5%
70%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 3.5% of loan amount redeemed to be paid within 3 years
Virgin Btl 2 Year Fixed 2% Fee
Fixed
3.19%
Fixed until 28/02/2017
4.99% (variable)
5.10%
70%
£99
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 2.5% of loan amount redeemed to be paid within 2 years
Virgin Btl 3 Year Fixed 2.5% Fee
Fixed
3.85%
Fixed until 28/02/2018
4.99% (variable)
5.10%
70%
£99
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 2.5% of loan amount redeemed to be paid within 3 years
Virgin Btl 2 Year Fixed £995 Fee
Fixed
3.08%
Fixed until 28/02/2017
4.99% (variable)
5%
70%
£995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan without conditions
Early Repayment Charge 2.5% of loan amount redeemed to be paid within 2 years
Aldermore Btl 2 Year Fixed 2.5% Fee
Fixed
4.48%
Fixed for 2 years
4.98% (variable)
5.70%
70%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year
Aldermore Btl 2 Year Discount 2% Fee
Tracker
4.58%
4.08% above Bank of England base rate
4.98% (variable)
5.60%
70%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year
Aldermore Btl 3 Year Fixed 2.5% Fee
Fixed
4.78%
Fixed for 3 years
4.98% (variable)
5.70%
70%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year
Aldermore Btl 3 Year Fixed £1999 Fee
Fixed
5.18%
Fixed for 3 years
4.98% (variable)
5.70%
70%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £1,999 - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year
Aldermore Btl 5 Year Fixed £1999 Fee
Fixed
5.48%
Fixed for 5 years
4.98% (variable)
5.80%
70%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £1,999 - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year; then 2% of loan amount redeemed to be paid for next 2 years
Aldermore Btl 5 Year Fixed No Fee Remortgage
Fixed
5.68%
Fixed for 5 years
4.98% (variable)
5.70%
70%
£199
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 30%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year; then 2% of loan amount redeemed to be paid for next 2 years

75% LTV Mortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
NatWest Btl 2 Year Tracker £1995 Fee Remortgage
Tracker
2.55%
2.05% above Bank of England base rate
4.50% (variable)
4.40%
75%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Tracker £1995 Fee Purchase
Tracker
2.55%
2.05% above Bank of England base rate
4.50% (variable)
4.50%
75%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Fixed £1995 Fee Remortgage
Fixed
2.95%
Fixed until 31/12/2016
4.50% (variable)
4.50%
75%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Tracker No Fee Remortgage
Tracker
3.59%
3.09% above Bank of England base rate
4.50% (variable)
4.40%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Fixed No Fee Purchase
Fixed
3.99%
Fixed until 31/12/2016
4.50% (variable)
4.60%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Aldermore Btl Term Variable £1999 Fee
Tracker
4.48%
3.98% above Bank of England base rate
4.98% (variable)
5%
75%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £1,999 - Can be added to loan without conditions
Early Repayment Charge 3% of loan amount redeemed to be paid within 1 year; then 2% of loan amount redeemed to be paid for next 1 year; then 1% of loan amount redeemed to be paid for next 1 year
The Mortgage Works Intermediary Btl 2 Year Tracker 2.5% Fee
Tracker
2.74%
2.24% above Bank of England base rate
4.99% (variable)
5%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £1,500,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 2 years
The Mortgage Works Intermediary Btl 2 Year Fixed 2.5% Fee
Fixed
2.99%
Fixed until 31/12/2016
4.99% (variable)
5%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 5.00% of loan amount redeemed to be paid within 2 years
HSBC Direct Btl 2 Year Fixed £99 Fee
Fixed
3.89%
Fixed until 28/02/2017
5% (variable)
4.90%
75%
£99
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1% of loan amount redeemed to be paid within 2 years
HSBC Direct Btl 2 Year Fixed £1999 Fee
Fixed
3.09%
Fixed until 28/02/2017
5% (variable)
4.90%
75%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1% of loan amount redeemed to be paid within 2 years
HSBC Direct Btl Lifetime Tracker £1999 Fee
Tracker
3.09%
2.59% above Bank of England base rate
5% (variable)
3.30%
75%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge
HSBC Direct Btl Lifetime Tracker £99 Fee
Tracker
3.89%
3.39% above Bank of England base rate
5% (variable)
4%
75%
£99
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge
Progressive Bs Self Build 2 Year Discount £995 Fee
Tracker
4.50%
4% above Bank of England base rate
4.75% (variable)
5.10%
75%
£995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan provided normal lending limits are met
Early Repayment Charge 2.0% of loan amount redeemed to be paid within 1 year; then 1.0% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Fixed £1995 Fee Purchase
Fixed
2.95%
Fixed until 31/12/2016
4.50% (variable)
4.60%
75%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Tracker No Fee Purchase
Tracker
3.59%
3.09% above Bank of England base rate
4.50% (variable)
4.50%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Fixed No Fee Remortgage
Fixed
3.99%
Fixed until 31/12/2016
4.50% (variable)
4.50%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Tracker £1995 Fee Existing Customer
Tracker
2.55%
2.05% above Bank of England base rate
4% (variable)
4%
75%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Tracker £1995 Fee
Tracker
2.55%
2.05% above Bank of England base rate
4% (variable)
4.10%
75%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Fixed £1995 Fee Existing Customer
Fixed
2.95%
Fixed until 31/12/2016
4% (variable)
4.10%
75%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Fixed £1995 Fee
Fixed
2.95%
Fixed until 31/12/2016
4% (variable)
4.10%
75%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Tracker No Fee Existing Customer
Tracker
3.59%
3.09% above Bank of England base rate
4% (variable)
4%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Tracker No Fee
Tracker
3.59%
3.09% above Bank of England base rate
4% (variable)
4.10%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Fixed No Fee Existing Customer
Fixed
3.99%
Fixed until 31/12/2016
4% (variable)
4.10%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Fixed No Fee
Fixed
3.99%
Fixed until 31/12/2016
4% (variable)
4.10%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
TSB Direct Btl 2 Year Fixed £995 Fee
Fixed
4.59%
Fixed until 28/02/2017
4.84% (variable)
5%
75%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 2 years
TSB Direct Btl 2 Year Tracker £995 Fee
Tracker
4.19%
3.69% above Bank of England base rate
4.84% (variable)
5%
75%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 2 years
Halifax Direct Btl 2 Year Fixed £995 Fee
Fixed
4.39%
Fixed until 28/02/2017
3.99% (variable)
5.10%
75%
£995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 2 years
Aldermore Btl 2 Year Fixed 2.5% Fee
Fixed
4.48%
Fixed for 2 years
4.98% (variable)
5.70%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £600,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year
Aldermore Btl 2 Year Discount 2% Fee
Tracker
4.58%
4.08% above Bank of England base rate
4.98% (variable)
5.60%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £600,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year
Aldermore Btl 3 Year Fixed 2.5% Fee
Fixed
4.78%
Fixed for 3 years
4.98% (variable)
5.70%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £600,000
Shared Ownership NO
Overpayments? YES
App Fee 2% - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year
Aldermore Btl 3 Year Fixed £1999 Fee
Fixed
5.18%
Fixed for 3 years
4.98% (variable)
5.70%
75%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £600,000
Shared Ownership NO
Overpayments? YES
App Fee £1,999 - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year
Aldermore Btl 5 Year Fixed £1999 Fee
Fixed
5.48%
Fixed for 5 years
4.98% (variable)
5.80%
75%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £600,000
Shared Ownership NO
Overpayments? YES
App Fee £1,999 - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year; then 2% of loan amount redeemed to be paid for next 2 years
Aldermore Btl 5 Year Fixed No Fee Remortgage
Fixed
5.68%
Fixed for 5 years
4.98% (variable)
5.70%
75%
£199
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £600,000
Shared Ownership NO
Overpayments? YES
App Fee - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 1 year; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year; then 2% of loan amount redeemed to be paid for next 2 years
Post Office Direct Btl 5 Year Fixed £995 Fee
Fixed
4.09%
Fixed until 31/12/2019
4.99% (variable)
4.80%
75%
£995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 25%
Max Mortgage Amount £300,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan provided normal lending limits are met
Early Repayment Charge 5.00% of loan amount redeemed to be paid within 5 years

65% LTV Mortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
HSBC Direct Btl 2 Year Fixed £1999 Fee
Fixed
2.59%
Fixed until 28/02/2017
5% (variable)
4.80%
65%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 35%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1% of loan amount redeemed to be paid within 2 years
HSBC Direct Btl 2 Year Fixed £99 Fee
Fixed
3.39%
Fixed until 28/02/2017
5% (variable)
4.80%
65%
£99
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
Notice: Undefined property: stdClass::$AvailabeForHomeMovers in /var/www/virtual/which4u/which4u.co.uk/htdocs/modules/mod_riddle_producttable/tmpl/default_mortgage_details.php on line 75
NO
Minimum Deposit 35%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1% of loan amount redeemed to be paid within 2 years
HSBC Direct Btl Lifetime Tracker £1999 Fee
Tracker
2.59%
2.09% above Bank of England base rate
5% (variable)
2.80%
65%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
Notice: Undefined property: stdClass::$AvailabeForHomeMovers in /var/www/virtual/which4u/which4u.co.uk/htdocs/modules/mod_riddle_producttable/tmpl/default_mortgage_details.php on line 75
NO
Minimum Deposit 35%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge
HSBC Direct Btl Lifetime Tracker £99 Fee
Tracker
3.39%
2.89% above Bank of England base rate
5% (variable)
3.50%
65%
£99
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
Notice: Undefined property: stdClass::$AvailabeForHomeMovers in /var/www/virtual/which4u/which4u.co.uk/htdocs/modules/mod_riddle_producttable/tmpl/default_mortgage_details.php on line 75
NO
Minimum Deposit 35%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge

60% LTV Mortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
NatWest Btl 2 Year Tracker £1995 Fee Remortgage
Tracker
2.05%
1.55% above Bank of England base rate
4.50% (variable)
4.40%
60%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Tracker £1995 Fee Purchase
Tracker
2.05%
1.55% above Bank of England base rate
4.50% (variable)
4.50%
60%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Fixed £1995 Fee Remortgage
Fixed
2.45%
Fixed until 31/12/2016
4.50% (variable)
4.40%
60%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
Notice: Undefined property: stdClass::$AvailabeForHomeMovers in /var/www/virtual/which4u/which4u.co.uk/htdocs/modules/mod_riddle_producttable/tmpl/default_mortgage_details.php on line 75
NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Fixed £1995 Fee Purchase
Fixed
2.45%
Fixed until 31/12/2016
4.50% (variable)
4.50%
60%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Tracker No Fee Remortgage
Tracker
3.29%
2.79% above Bank of England base rate
4.50% (variable)
4.40%
60%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Tracker No Fee Purchase
Tracker
3.29%
2.79% above Bank of England base rate
4.50% (variable)
4.50%
60%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Fixed No Fee Remortgage
Fixed
3.69%
Fixed until 31/12/2016
4.50% (variable)
4.40%
60%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Fixed No Fee Purchase
Fixed
3.69%
Fixed until 31/12/2016
4.50% (variable)
4.50%
60%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Tracker £1995 Fee
Tracker
2.05%
1.55% above Bank of England base rate
4% (variable)
4%
60%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Fixed £1995 Fee
Fixed
2.45%
Fixed until 31/12/2016
4% (variable)
4.10%
60%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Skipton Bs Btl 5 Year Fixed £750 Fee
Fixed
3.99%
Fixed until 31/10/2019
5.19% (variable)
5.40%
60%
£750
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £750 - Can be added to loan without conditions
Early Repayment Charge 5% of loan amount redeemed to be paid within 3 years; then 4% of loan amount redeemed to be paid for next 1 year; then 3% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Tracker No Fee
Tracker
3.29%
2.79% above Bank of England base rate
4% (variable)
4%
60%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
Skipton Bs Btl 3 Year Fixed £750 Fee
Fixed
3.49%
Fixed until 31/10/2017
5.19% (variable)
5.50%
60%
£750
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £750 - Can be added to loan without conditions
Early Repayment Charge 4% of loan amount redeemed to be paid within 1 year; then 3% of loan amount redeemed to be paid for next 1 year; then 2% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Fixed No Fee
Fixed
3.69%
Fixed until 31/12/2016
4% (variable)
4.10%
60%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
TSB Direct Btl 2 Year Fixed £995 Fee
Fixed
3.89%
Fixed until 28/02/2017
4.84% (variable)
4.90%
60%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 2 years
TSB Direct Btl 2 Year Tracker £995 Fee
Tracker
3.49%
2.99% above Bank of England base rate
4.84% (variable)
4.80%
60%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 2 years
Halifax Direct Btl 2 Year Fixed £995 Fee
Fixed
3.69%
Fixed until 28/02/2017
3.99% (variable)
5%
60%
£995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 2 years
Post Office Direct Btl 5 Year Fixed £995 Fee
Fixed
3.75%
Fixed until 31/12/2019
4.99% (variable)
4.70%
60%
£995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers
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NO
Minimum Deposit 40%
Max Mortgage Amount £300,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan provided normal lending limits are met
Early Repayment Charge 5.00% of loan amount redeemed to be paid within 5 years

85% LTV Mortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
Progressive Bs Ftb 3 Year Discount £495 Fee
Tracker
2.89%
2.39% above Bank of England base rate
4.75% (variable)
4.50%
85%
£495
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers
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NO
Minimum Deposit 15%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £495 - Can be added to loan provided normal lending limits are met
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year

Search the entire mortgage market

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Your home may be repossessed if you do not keep up repayments on your mortgage. The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider. The telephone-based mortgage advice service is provided by TurnKey Mortgages Limited. Registered office: St Crispins House, Duke Street, Norwich NR3 1PD. TurnKey Mortgages Limited are authorised and regulated by the Financial Conduct Authority. Their FCA number is 537424.

Buy-to-Let Mortgages / Landlord Mortgages

 

Buy-to-let mortgages are designed for landlords who wish to buy property to rent out rather than to live in themselves. Traditionally, buy-to-let mortgages are more expensive than other mortgage types, but they can help new landlords to become property investors and potentially reap rewards over time.

 

Conditions of buy-to-let mortgages:

  • Higher Costs

Buy-to-let mortgages are usually more expensive than standard tracker or fixed-rate mortgages, and prospective landlords will usually need a deposit of at least 25% of the value of the property. How much can you borrow? Try our calculator.

  • Property Owners

Lenders will sometimes expect buy-to-let mortgage applicants to own a property already, either outright or with an existing mortgage.

  • Borrowing Linked to Rental Income

The amount a new landlord can borrow is likely to be linked to the value of the rent he/she plans to charge. Lenders prefer a margin of at least a quarter between the rent level and the mortgage payment. How much will you need to charge in rent? Try our calculator.

 

How do you determine the best buy-to-let mortgage?

The best buy-to-let mortgage deal will depend on your individual circumstances. The value of the property will have to be weighted against realistic rental income prospects for the area and the affordability of the mortgage.

 

The rate for your buy-to-let mortgage will depend on the property value, your deposit, and potential rental income.

 

Landlord mortgages are also available as fixed-rate and tracker mortgages, which have their own distinct advantages and disadvantages. Check out the fixed-rate mortgage and tracker mortgage pages for more information.

 

Is a buy-to-let mortgage the right option?

There are complications to becoming a private landlord. Your income is not guaranteed, while some of your rental income will be lost to property maintenance and letting agents’ fees.

 

Landlord insurance is likely to be more costly, because you are not a permanent resident at that property, while legal insurance is an extra premium if you need cover for the legal costs of eviction.

 

But the market conditions are currently very favourable for buy-to-let property. The Funding for Lending Scheme has made borrowing cheaper, while the large numbers still saving for deposits ensure there is strong demand for private rental property.

 

Compare your best buy-to-let mortgage options above.

 

 

As always, we recommend that you seek professional advice if you are unsure which type of mortgage is right for you. All of the information provided above is for use as an overview only and should not be the basis for your mortgage decision.

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