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Buy to let mortgage rates for Limited Companies

The following product ranges are available to trading limited companies, SPVs and LLPs. Up to six directors may apply but at least one must already be a landlord.

Choose the Classic Range for loans of:
  • £50k - £400k up to 80% LTV
  • £50k - £600k up to 75% LTV

Choose the Premier Range for loans of:
  • £600k - £1m up to 70% LTV

For more details download the Classic Range Product Guide and/or Premier Range Product Guide.


Classic Range
Lender Arrangement Fee: 2.75% added to loan
Early Repayment Charges: 3 year rates - 5% in year 1, 4% in year 2, 3% in year 3
5 year rates - 5% in year 1, 4% in year 2, 3% in year 3, 2% in years 4 & 5 Tracker - 3% in year 1, 2% in year 2, 1% in year 3

Rent to Interest Cover: 125%, 130% or 150% of product pay rate, (see table below).

LIBOR: LIBOR 0.60% wef. 15 August 2014

Properties: Standard Buy to Let (residential unit)
Multi-unit Freehold Block
HMO (Licensed HMOs minimum property value £200k, minimum loan amount £100k)
Property Type Rate Type Initial Rate Reversion LTV Loan Amount RTI Multiplier
Standard BTL Term tracker LIBOR+5.09% N/A 80% £50k - £400k 125% 169
Standard BTL 3 year fixed 5.79% LIBOR+5.50% 80% £50k - £400k 125% 166
Standard BTL 5 year fixed 6.29% LIBOR+5.50% 80% £50k - £400k 125% 153
Standard BTL Term tracker LIBOR+4.79% N/A 75% £50k - £600k 125% 178
Standard BTL 3 year fixed 5.49% LIBOR+5.00% 75% £50k - £600k 125% 175
Standard BTL 5 year fixed 5.99% LIBOR+5.00% 75% £50k - £600k 125% 160
HMO/Multi-unit Term tracker LIBOR+4.99% N/A 75% £50k - £600k 150% 143
HMO/Multi-unit 3 year fixed 5.69% LIBOR+5.20% 75% £50k - £600k 150% 141
HMO/Multi-unit 5 year fixed 6.19% LIBOR+5.20% 75% £50k - £600k 130% 149


Premier Range
Lender Arrangement Fee: 2.75% added to loan
Early Repayment Charges: 3 year rates - 5% in year 1, 4% in year 2, 3% in year 3
5 year rates - 5% in year 1, 4% in year 2, 3% in year 3, 2% in years 4 & 5 Tracker - 3% in year 1, 2% in year 2, 1% in year 3

Rent to Interest Cover: 125%, 130% or 150% of product pay rate, (see table below).

LIBOR: LIBOR 0.60% wef. 15 August 2014

Properties: Standard Buy to Let & Multi-unit only. (Not available on HMO).
Property Type Rate Type Initial Rate Reversion LTV Loan Amount RTI Multiplier
Standard BTL Term tracker LIBOR+4.59% N/A 70% £600k - £1m 125% 185
Standard BTL 3 year fixed 5.29% LIBOR+5.00% 70% £600k - £1m 125% 181
Standard BTL 5 year fixed 5.79% LIBOR+5.00% 70% £600k - £1m 125% 166
Multi-unit Term tracker LIBOR+4.79% N/A 70% £600k - £1m 150% 148
Multi-unit 3 year fixed 5.49% LIBOR+5.20% 70% £600k - £1m 150% 146
Multi-unit 5 year fixed 5.99% LIBOR+5.20% 70% £600k - £1m 130% 154

Warning: Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage.