Mortgage rates and lender criteria for investors who have a 25% deposit
75% loan to value buy-to-let mortgages
75% loan to value (LTV) products commonly offer low starting APR rates and a wide range of products and deals to suit your requirements.
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75% loan to value mortgage repayment options
You can choose 75% LTV mortgage products which have repayment or interest only terms. We will take you through the relevant lender criteria and ensure the product offered is based on careful consideration of your circumstances and needs.
75% LTV rate table
Below are some of the deals we can secure for you at 75% loan to value, to see all deals we can access, click through on the button at the bottom of the table.
|Rate||Product||Monthly cost||LTV||Lender fee||APRC|
|1.74% then 4.99% Tracker for 25 months||Tracker for 25 months||£145||75%||£2,355||4.80%||Enquire|
|1.74% then 4.99% Tracker for 25 months||Tracker for 25 months||£145||75%||£2,360||4.80%||Enquire|
|1.78% then 4.74% Fixed for 28 months||Fixed for 28 months||£148||75%||£2,209||4.50%||Enquire|
|1.84% then 5.50% Fixed for 25 months||Fixed for 25 months||£153||75%||£2,178||5.20%||Enquire|
|1.84% then 4.74% Fixed for 28 months||Fixed for 28 months||£153||75%||£2,209||4.50%||Enquire|
|1.84% then 5.34% Fixed for 27 months||Fixed for 27 months||£153||75%||£2,223||4.70%||Enquire|
|1.89% then 4.74% Fixed for 24 months||Fixed for 24 months||£157||75%||£1,265||4.50%||Enquire|
|1.89% then 4.74% Fixed for 24 months||Fixed for 24 months||£157||75%||£2,215||4.60%||Enquire|
|1.94% then 4.74% Fixed for 28 months||Fixed for 28 months||£161||75%||£1,209||4.50%||Enquire|
|1.94% then 4.49% Fixed for 26 months||Fixed for 26 months||£161||75%||£1,530||4.30%||Enquire|
Important: Lender fee is calculated based on a loan amount of £100,000.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.
*Some lenders offer mortgages with no fees; however, our broker fee of up to £1,198 for Buy to Let first mortgages and up to £2,198 for Buy to Let secured loans will apply.
This table includes both Purchase and Remortgage rates. Speak to our advisors for a personalised recommendation.
75% LTV products are the most common in the marketplace
As a broker, we work with many lenders across the market and as such, have access to hundreds of buy to let deals. 75% LTV products account for a significant proportion of these products.
This is mostly because in broad terms the greater the deposit from the you, the landlord, the lesser the risk to the lender. A reduction in risk commonly means lenders can, in turn, offer more competitive and attractive rates.
Majority of our lenders offer 75% LTV
The majority of lenders we work with offer 75% as their maximum LTV. Although there are some that offer larger LTV’s, these tend to be from specialist lenders.
Usually you will find the higher the LTV, the higher the rates offered – again this is due to the risk the lender is taking on. For this reason a 75% LTV mortgage can be a good balance between an obtainable deposit and lower monthly payments.
Only LTV bracket to have a 10 year fixed rate product
The longest initial rate product amongst the deals we offer is currently 10 years and this product has a 75% LTV, making it a very individual product for those landlords looking to secure their repayments at the same rate for a long time.
Before you settle on a deal though it is important to understand the full implications of all the associated criteria, so ask us about this product to be clear on these points.
Lender underwriting changes
As you may be aware, in September 2016 the PRA (Prudential Regulation Authority) brought in changes to buy to let mortgage underwriting with a schedule to complete the first phase of changes by January 2017.
The changes are to the affordability calculations lenders make to ensure you, as a landlord, can keep up with your monthly repayments in the event of a financial change in your circumstances (e.g. interest rates go up, or you have a tenant in arrears or no tenant at all).
These changes will affect the level of potential borrowing open to landlords, particularly those looking at 80% and 85% LTV products due to the repayment rates being commonly higher.
If you are unsure of the impact upon your property investments, get in touch with our buy to let experts.