Buy-to-Let Mortgages 2026 Compare Landlord Rates & Secure Investment Financing
Looking to finance a rental property? Compare competitive buy-to-let mortgage rates and secure funding for your property investment portfolio.
Landlords and property investors can access tailored mortgage products designed to maximise rental yield and long-term capital growth.
What Is a Buy-to-Let Mortgage?
A buy-to-let mortgage is designed specifically for investors purchasing property to rent out rather than occupy.
- Interest-only options available
- Higher rental income requirements
- Specialist landlord underwriting
- Limited company structures supported
Current Buy-to-Let Mortgage Rates (Europe 2026)
| Product Type | Estimated Rate Range |
|---|---|
| 2-Year Fixed | 3.8% – 5.5% |
| 5-Year Fixed | 4.0% – 6.0% |
| Tracker Mortgage | Base Rate + Margin |
Rates depend on loan-to-value (LTV), rental income, credit profile, and property type.
Buy-to-Let Mortgage Requirements
- Minimum 20%–40% deposit
- Rental income coverage ratio (typically 125%–145%)
- Acceptable credit history
- Property valuation approval
Limited Company Buy-to-Let Mortgages
Many landlords choose to invest through a limited company structure for tax efficiency.
- Corporate mortgage products
- Portfolio landlord solutions
- Specialist commercial underwriting
Remortgaging & Equity Release
- Refinance existing buy-to-let loans
- Release equity for additional purchases
- Switch to lower fixed rate
- Consolidate property portfolio debt
How to Secure the Best Buy-to-Let Mortgage
- Calculate expected rental yield
- Compare mortgage lenders
- Check LTV & affordability criteria
- Obtain agreement in principle
- Submit full application
Apply for a Buy-to-Let Mortgage Today
Secure competitive landlord mortgage rates and grow your property investment portfolio.
Compare lenders. Lock your rate. Finance your rental property today.