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Buy-to-Let Mortgage Rates in the UK [Updated September 2026]
These selected buy-to-let product examples were checked against live lender product pages on 24 September 2026. They show how the rate, product fee, loan-to-value and flexibility can vary. They are not a whole-of-market best-buy table, and lenders can change or withdraw products at any time.
Product sources checked: Rely Mortgages, Landbay, ModaMortgages and Pepper Money.
Relevant Landlord Knowledge coverage: Rely and Pepper, Moda and Landbay.
Current buy-to-let product examples
| Lender | Product | Rate checked | LTV | Product fee |
|---|---|---|---|---|
| Rely Mortgages | 1-year fixed remortgage — standard property | 2.85% | 65% | 3.50% |
| Rely Mortgages | 1-year fixed remortgage — HMO/complex property | 3.07% | 65% | 3.50% |
| Rely Mortgages | 2-year fixed remortgage — standard property | 3.59% | 65% | 5.00% |
| Landbay | Core 2-year tracker, no ERC | Bank Rate + 0.29% (4.04% at 3.75% Bank Rate) | 65% | 5.00% |
| ModaMortgages | 2-year fixed (BLE001-240926) | 4.14% | 75% | 5.50% |
| Pepper Money | Pepper48 Light 2-year fixed | 5.59% | 65% | 2.00% |
| Pepper Money | Pepper48 Light 5-year fixed | 5.70% | 75% | 2.00% |
Compare the whole mortgage cost, not just the rate
The advertised rate is only one part of the mortgage cost. Compare:
- Loan-to-value: lower LTVs can access different pricing, but the product must fit the deposit or equity available.
- Product fee: a lower rate with a percentage fee can cost more on a larger loan or over a short expected holding period.
- Fixed or tracker: a fixed rate provides payment certainty for its initial period; a tracker can move when Bank Rate changes. The current Bank Rate is 3.75%.
- Eligibility and exit: property type, rental cover, borrower profile and early repayment charges can all alter which product is suitable.
Get a personalised buy-to-let rate comparison
We can compare live products against your property, deposit or equity, rental income and ownership structure. A personalised illustration is needed before relying on any advertised rate.