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Categories: limited company | buy to let mortgages

A market-leading specialist lender has kicked off 2026 by launching a new line of buy to let mortgage products at 75% loan to value (LTV), stacked with incentives.

This lender is aiming to provide landlords with more diverse options in a growing market.

In addition, after reviewing their product criteria and analysing the state of the UK buy to let market, the lender has significantly relaxed their rules surrounding who is eligible to benefit from their mortgage products.

Incentivised products

Depending on your preferred fee structures, different initial rates are available. Lower fees are available for products with higher initial rates, and vice versa.

As standard practice, both individual and limited company applicants are eligible for these products:

  • 4.84% five-year fixed rate at 75% LTV, with 5% fee
  • 5.49% five-year fixed rate at 75% LTV, with 2% fee

Applicants for either of these products will also have the option to choose either £400 cashback or a free standard valuation as an additional incentive.

Criteria changes

The lender now accepts first-time landlords for large HMOs (House of Multiple Occupancy), large MUFBs (Multi-Unit Freehold Block) and Holiday Lets. This reduces barriers for those with less experience in managing property.

Tying into that, their criteria for what counts as a large MUFB has expanded to include those with up to 20 units; a big increase from their previous limit of 11 units. Furthermore, the lender has increased the number of units they are willing to accept in a single building block, from 5 to 15. 

The minimum unit size from MUFBs has also decreased from 30 to 25 square metres. This means that MUFBs with smaller units will now be eligible.

Across their entire buy to let product range, there are no minimum income requirements, which now applies to first-time landlords, as well as expat applicants applying in personal name or via a limited company.

A word from our Chief Executive

Our Chief Executive, Jorden Abbs, has commented on this development:

This brand new product launch signals an exciting start to 2026. This lender’s decision to broaden their criteria to welcome larger MUFB sizes, expats and first-time landlords is also encouraging to see. We may see others follow suit. 

There are many first-time landlords with big ambitions for careers in property. These fresh faces need to be supported just as much as experienced landlords with larger portfolios. At Commercial Trust, we are dedicated to helping all landlords, regardless of their level of experience.

To discuss these new deals with an expert advisor, or want to explore products that may be more suited to your needs, feel free to contact us today – our team will be happy to help.