Multiple lenders have been cutting BTL rates in quick succession, and some meaningful criteria changes have slipped in alongside them. Here’s what’s actually moved, and what to do about it.
Buy-to-let lenders keep cutting rates while financial markets start pricing in rises. What that mismatch means if you’ve got a remortgage due soon, and two practical steps worth taking now.
It happened to me last year. I bought a property back in 2020 with a mortgage and, because it’s a slightly unusual property and not straightforward to finance, I ended up taking a mortgage with an initial five-year fixed rate at 5.3%. In round figures, I borrowed £113,500 and the monthly payments were £499.80. I…
Every now and again, a buy-to-let mortgage product comes along with a headline rate that makes investors sit up and pay attention. Paragon’s limited-edition five-year fixed range, announced in April 2026, is a good current example. At 75% LTV, rates start at 4.95% for single self-contained properties with an EPC rating of A to C.…
If you’ve been thinking of growing your portfolio, this is worth a look. The Mortgage Works has made a series of changes (announced 27th October 2025 – but this isn’t ancient history, it’s still relevant and hardly anyone talked about it) aimed directly at investors holding property through limited companies, and those who want to…
If you’ve been waiting for some encouragement from the mainstream lenders, and have been a little disappointed by what they are offering, it might be worth looking at one of the lenders we don’t talk about quite as often. Fleet Mortgages. Fleet has been tweaking its range, cutting and reintroducing products, and generally doing the…
One of our favourite lenders, Paragon, has added two-year Bank Base Rate tracker buy-to-let products after broker feedback basically said: “Nice idea… but can we have something shorter than five years?” The range was launched in January 2026 and, as at Paragon’s 28 April 2026 product guide, the two-year tracker options are still showing. For…
I have to admit, this one had passed me by at the time. Paragon quietly reintroduced an 80% LTV buy-to-let product in April (10th April 2026). It is a five-year fixed rate, starting at 6.60%, for single self-contained properties with EPC ratings of A to C. It comes with no product fee, no application fee…
This may sound a bit dramatic. But for buy-to-let renovators, it could be a very big deal. Precise Mortgages has moved new buy-to-let lending to Rely, while Precise now focuses on residential and bridging. That raises an awkward question. If Precise still does the bridge, but Rely now does the buy-to-let, how exactly are investors…