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Borrowing Has Never Been Cheaper 

 

 

There has been a significant increased in the number of buy-to-let mortgage products available, with recent research by Mortgage Brain revealing that there are 1853 mortgage deals on the market, up 52% year-on-year, but which deals are the best? 

With competition between mortgage providers continuing to grow, buy-to-let landlords now have access to some of the cheapest ever buy-to-let mortgage deals.

Finding the right mortgage to suit your needs can be a challenge. Moneyfact.co.uk  provided us with the following range of ‘best buy’ buy-to-let mortgage products currently available:

 

BEST BUYS - Direct Products – BTL 2 Year Fixed Rates
Provider Rate Period Max LTV Min Fee
Virgin Money 1.85% 01/11/2018 60% £1,995
Virgin Money 1.99% 01/11/2018 60% £995
Principality BS 2.10% 30/09/2018 60% £895
Virgin Money 2.19% 01/11/2018 75% £1,995
Post Office Money® 2.27% 30/11/2018 70% £995
Virgin Money 2.45% 01/11/2018 75% £995
Skipton BS 2.49% 30/11/2018 70% £995
Post Office Money® 2.46% 30/11/2018 75% £995
Skipton BS 2.59% 30/11/2018 75% £995
HSBC 2.79% 31/12/2018 75% £349
         
         
BEST BUYS - Direct Products – BTL 3 Year Fixed Rates
Provider Rate Period Max LTV Min Fee
Virgin Money 2.29% 01/11/2019 60% £1,995
TSB 2.54% 30/11/2019 60% £1,260
Virgin Money 2.69% 01/11/2019 60% £995
State Bank of India 2.79% 3 years 60% -
Virgin Money 2.89% 01/11/2019 70% £995
Virgin Money 2.99% 01/11/2019 75% £995
Principality BS 3.05% 30/09/2019 75% £895
State Bank of India 3.09% 3 years 70% -
Metro Bank 3.09% 3 years 75% £999
Cumberland BS 3.26% 01/11/2019 75% £995
         
BEST BUYS - Direct Products – BTL 5 Year Fixed Rates
Provider Rate Period Max LTV Min Fee
Virgin Money 2.78% 01/11/2021 60% £1,995
Coventry BS 2.59% 31/01/2022 65% £1,999
Leeds BS 2.85% 30/11/2021 60% £999
Virgin Money 2.89% 01/11/2021 60% £995
Skipton BS 2.99% 30/11/2021 70% £1,995
Post Office Money® 2.99% 30/11/2021 70% £995
Leeds BS 3.15% 30/11/2021 70% £999
Post Office Money® 3.13% 30/11/2021 75% £995
Aldermore 3.99% 5 years 80% 2.50%
Clydesdale Bank 4.99% 30/11/2021 80% £999
         
BEST BUYS - Direct Products – BTL 1st Time Landlord Rates
Provider Rate Period Max LTV Min Fee
Virgin Money 1.80% 01/11/2018 60% £995
Leek United BS 1.99% 2 years 75% £995
Virgin Money 2.49% 01/11/2018 75% £995
Coventry BS 2.09% Term 65% £1,999
Virgin Money 2.45% 01/11/2018 75% £995
HSBC 2.79% 31/12/2018 75% £349
Virgin Money 2.29% 01/11/2019 60% £1,995
Virgin Money 2.99% 01/11/2019 75% £995
Coventry BS 2.59% 31/01/2022 65% £1,999
Post Office Money® 3.13% 30/11/2021 75% £995
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