October 20, 2010 | Author

Author Julie Hanson

Top 10 Buy to Let Mortgage Rates from Zoe Cairns. For more information email zoe.cairns@justdoproperty.co.uk

Interest rate	Max LTV	Product detail	Completion fee	Early repayment charges
3.75% Tracker	65%	Variable tracker rate of BBR + 3.25% until 31/12/2012 then reverting to the lender’s standard variable rate which is currently 4.74% for the remainder of the term. There is a free valuation up to £680 for purchases and remortgages and free legals for remortgages only. This product is available up to 65% LTV and the rental calculation is 125% at payrate. There is a £250 booking fee and an application fee will apply.	0%	4% of amount being repaid until 31/12/2012
3.88% Tracker	75%	Variable tracker rate of BBR + 3.38% for the lifetime of the loan. This product is available up to 75% LTV and there is a rental calculation of 100% at a notional rate of 8.5%. An application fee will apply. Available on a repayment basis only and for loans up to £150,000. The completion fee is payable at offer stage.	£1695	1% of original balance being repaid for 1 year
4.2% Tracker	75%	Variable tracker rate of BBR + 3.70% for 1 year then reverting to a variable rate of BBR + 4.34% to give a current rate of 4.84% for the remainder of the term. This product is available up to 75% LTV and the rental calculation is 125% at payrate. An application fee will apply.	2.5%	3% of amount being repaid for 1 year
4.6% Tracker	75%	Variable tracker rate of BBR + 4.10% for 2 years then reverting to a variable rate of BBR + 4.24% for the remainder of the term. This product is available up to 75% LTV and the rental calculation is 125% at payrate. An application fee will apply.	2.75%	3% of amount being repaid for 2 years
4.8% Tracker	75%	Variable tracker rate of LIBOR + 4.00% for 2 years then reverting to the lender’s standard variable rate of 4.60% + 0.25% = 4.85% to the end of year 5, then for the remainder of the term, the lender’s standard variable rate of 4.60% + 0.75% = 5.35%. The product is available up to 75% LTV and the rental calculation is 130% at 7%. Please note that the completion fee will increase by 0.25% on applications for HMOs, freehold houses split into flats and limited companies. An application fee will apply.	2.25%	3% of amount being repaid for 2 years
4.99% Fixed	80%	Fixed rate of 4.99% until 30/11/2011 then reverting to the lender’s standard variable rate which is currently 4.99% for the remainder of the term. This product is available up to 80% LTV and there is a rental calculation of 125% at payrate. An application fee will apply.	3% (min £595)	5% of amount being repaid until 30/11/2011
4.99% Fixed	70%	Limited company product. 4.99% fixed rate until 30/11/2011 then reverting to a variable rate of BBR + 3.49% for the remainder of the term. This product is available up to 70% LTV and the rental calculation is 125% at a notional rate of 4.99%. An application fee will apply.	3.5% (min £595)	5% of amount being repaid until 30/11/2011
5.29% Fixed	60%	Fixed rate of 5.29% until 02/12/2012 then reverting to a variable rate of 2.49% over BBR to give a current rate of 2.99% for the remainder of the term. This product is available up to 60% LTV and there is a rental calculation of 125% at payrate. An application fee will apply.	1.5% (min £1500)	6 months interest at the Buy to Let Standard Variable Rate or fixed rate whichever is higher until 02/12/12
5.49% Fixed	80%	Fixed rate of 5.49% until 30/11/2013 then reverting to the lender’s standard variable rate which is currently 4.99% for the remainder of the term. This product is available up to 80% LTV and there is a rental calculation of 125% at the pay rate. An application fee will apply.	3% (min £595)	5% of amount being repaid until 30/11/2013
5.59% Fixed	70%	5.59% fixed rate until 01/12/2012 then reverting to the lender’s standard variable rate which is currently 4.79% for the remainder of the term. This product is available up to 70% LTV and the rental calculation is 120% at payrate. An application fee will apply.	£1995	4% of the outstanding balance as of 1st January until 01/12/2012