What these buy-to-let rates cover
This page lists buy-to-let products from the lenders we currently track, cheapest first. Only products the lender labels as buy-to-let are included. It is not a complete view of the BTL market: many specialist landlord lenders aren't covered yet, and the number of products we track changes as lenders are added.
Buy-to-let is kept apart from every residential rate page on this site. BTL deals often have lower headline rates than residential deals, but they're assessed on different rules and usually carry much bigger fees. Putting the two side by side would make residential mortgages look more expensive than they really are, and BTL look cheaper.
Why the headline rate is only half the story
BTL products commonly charge a fee set as a percentage of the loan, often 1–3%, rather than a flat £999 or £1,499. On a £200,000 loan a 3% fee is £6,000, which can outweigh a rate that's a full percentage point lower. Check the fees column before the rate column.
The rate you can use also depends on the rental income. Lenders test that the expected rent covers the mortgage interest by a set margin, calculated at a stress rate that may be higher than the product rate. Lower-rate, higher-fee products often exist to help a property pass that test, which is why they sit at the top of a rate-sorted table.
Rental cover
Lenders want the monthly rent to exceed the interest by a set percentage. The margin and stress rate vary by lender, by product and by your tax position.
Loan-to-value
BTL lending usually tops out lower than residential. 75% is a common ceiling, and the cheapest rates generally need a bigger deposit or more equity than that.
Personal name or limited company
Many lenders price these differently, and some only lend one way. The products here may not show which structure they apply to, so check with the lender.
Common questions
Is this every buy-to-let mortgage available?
No. It shows the buy-to-let products from the lenders we currently track. Many specialist landlord lenders aren't covered, so a broker or the lender itself may find deals that aren't listed here.
Why are buy-to-let rates shown separately from residential rates?
Because they aren't comparable. BTL lending is assessed mainly on rental income rather than your salary, often carries percentage-of-loan fees, and has different LTV limits. Mixing them into residential comparisons would give a misleading picture of both.
Can I get an alert for buy-to-let rates?
Yes. Set a buy-to-let alert and we'll only match it against products labelled as buy-to-let, never against residential deals.
How current are the rates on this page?
We collect product data from the lenders we track from their published information and refresh it regularly, so the buy-to-let products above reflect our most recent check of each lender we track. Lenders can withdraw or reprice a deal at any time, sometimes with a few hours' notice, and a rate shown here is not an offer — availability depends on your circumstances, the property and the lender's own criteria.