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 1,853 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 mortgages deals.
Finding the right mortgage to suit your needs can be a challenge, and so we asked Moneyfact.co.uk to provide 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 |
Source: Moneyfact.co.uk
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