--- title: "Competitive Rate Cuts on Buy-to-Let Mortgages: What You Need to Know" description: Discover the latest competitive rate cuts on buy-to-let mortgages from top lenders in the UK. Now is the time for investors to secure favorable financing and capitalize on potential returns. Contact Magnate Assets for expert guidance. image: https://blog.magnateassets.com/hubfs/Competitive%20Rate%20Cuts%20on%20Buy-to-Let%20Mortgages%20What%20You%20Need%20to%20Know.jpg --- [![logo](https://blog.magnateassets.com/hs-fs/hubfs/logo.png?width=216&height=50&name=logo.png "logo")](https://magnateassets.com/) × - [Properties](https://www.magnateassets.com/en/searchresult) - [Off-Plan](https://www.magnateassets.com/en/searchresult?proType=Off-Plan) - [Completed](https://www.magnateassets.com/en/searchresult?proType=Completed) - [High Yield Investing](https://www.magnateassets.com/en/high-yield-investing) - [HMO (Houses in Multiple Occupation)](https://www.magnateassets.com/en/property-hmo) - [Student Accommodations](https://www.magnateassets.com/en/property-student-accommodations) - [Property Sourcing](https://www.magnateassets.com/en/property-sourcing) - [Property Concierge](https://www.magnateassets.com/en/property-concierge) - [Land Options](https://www.magnateassets.com/en/searchresult?proFor=Local&proType=Land%20Options&country=UK) - [Property Bonds (Promissory Notes)](https://www.magnateassets.com/en/property-bonds) - [Buildings](https://www.magnateassets.com/en/searchresult?proType=Buildings) - [Build-to-Rent Projects](https://www.magnateassets.com/en/build-to-rent-projects) - [Equity Investments](https://www.magnateassets.com/en/equity-investments) - [Funding Partnerships](https://www.magnateassets.com/en/funding-partnerships) - [Locations](https://magnateassets.com/en/location) - Resources - [Blog](https://blog.magnateassets.com) - [Podcast/Webinars](https://www.magnateassets.com/en/video-gallery) - [Guides](https://info.magnateassets.com/guides) - Finance, Tax & Legal - [Mortgage Calculator](https://magnateassets.com/en/mortgage-calculator) - [Mortgages & Finance](https://www.magnateassets.com/en/mortgages-and-finance) - [Property Transfer & Legal](https://www.magnateassets.com/en/property-transfer-and-legal) - [Tax Planning and Set up](https://www.magnateassets.com/en/tax-planning-and-set-up) - [UK Immigration Information](https://www.magnateassets.com/en/uk-immigration-information) - [Managing Your Properties](https://www.magnateassets.com/en/managing-your-properties) - [Furniture Packs](https://www.magnateassets.com/en/furniture-packs) - About Us - [Meet the Team](https://www.magnateassets.com/en/meet-the-team) - [Contact Us](https://magnateassets.com/en/contact-us) - [UK Property Investment](https://www.magnateassets.com/en/for-uk-property-investment) - [Developer Partnerships](https://www.magnateassets.com/en/developer-partnerships) # Competitive Rate Cuts on Buy-to-Let Mortgages: What You Need to Know Published by Keith Egan on Jul 3, 2024 In a bid to attract more investors, several lenders have recently slashed their buy-to-let mortgage rates. Here’s a roundup of the latest offers: ### **Zephyr Homeloans** Zephyr Homeloans is now offering 80% loan-to-value (LTV) mortgage products on five-year fixed rates for [houses in multiple occupation](https://www.magnateassets.com/en/property-hmo)(HMOs) and multi-unit freehold blocks (MUFBs). - **For properties with A to C-rated EPCs** : **5.99%** on a five-year fixed rate with a 3% fee. **6.59%** on a five-year fixed rate with a 0% fee.   - **For properties with D or E-rated EPCs:** **6.09%** on a five-year fixed rate with a 3% fee. **6.69%** on a five-year fixed rate with a 0% fee. Landlords can also add the mortgage arrangement fees to the loan balance up to a maximum LTV of 83%. ### **CHL Mortgages** CHL Mortgages has launched a limited-edition range of two- and five-year fixed-rate buy-to-let products: - **Two-year fixed rates** starting from **3.95%**. - **Five-year fixed rates** starting from **4.99%**. These rates are available for individual, limited company, and HMO/MUFB landlords, with a maximum LTV of 75% and a choice of a 2% or 5% fee. ### **Molo Finance** Molo Finance has further reduced rates on its buy-to-let fixed-rate products for UK residents: - **Two-year fixed rates** start from **4.55%** (a 0.17% reduction). - **Five-year fixed rates** start from **5.06%** (a 0.15% reduction). Rates for HMOs, MUFBs, new builds, and investor-led properties now start from **4.65%** for a two-year fixed product and **5.16%** for a five-year fixed. ### **Fleet Mortgages** Fleet Mortgages has also introduced a series of rate cuts and new five-year fixed products at 75% LTV for both standard and limited company landlords: - **Standard five-year fix**: Reduced from 5.34% to **5.14%**. - **Limited company five-year fix**: Reduced from 5.49% to **5.14%**. Both products come with a 3% fee (minimum £750) and have a rental calculation of 125% at 5.69% for basic taxpayers and 145% at 5.69% for higher-rate taxpayers. The maximum loan available is £500,000, with an end date of October 31, 2029. Free valuations are available for properties valued up to £500,000, with discounts for higher values. ### **Why This Matters** The recent rate cuts make it an opportune time for investors to secure favourable financing for buy-to-let properties. Lower interest rates can improve affordability and increase potential returns on investment. If you’re considering expanding your property portfolio, now is the time to take advantage of these competitive mortgage products. For more information on how to capitalize on these new rates, [**contact us today**](https://www.magnateassets.com/). Our team at Magnate Assets is ready to assist you in navigating the current market and securing the best investment opportunities. Topics: [Insider](https://blog.magnateassets.com/tag/insider), [UK Property](https://blog.magnateassets.com/tag/uk-property), [Off-Plan Property](https://blog.magnateassets.com/tag/off-plan-property), [Real Estate Market](https://blog.magnateassets.com/tag/real-estate-market), [Market Trends](https://blog.magnateassets.com/tag/market-trends), [Rents](https://blog.magnateassets.com/tag/rents), [Mortgage](https://blog.magnateassets.com/tag/mortgage), [Investment Strategies](https://blog.magnateassets.com/tag/investment-strategies), [Overseas Investors](https://blog.magnateassets.com/tag/overseas-investors) ![Keith Egan](https://blog.magnateassets.com/hubfs/image.png) Written by [Connect on LinkedIn ↗](https://www.linkedin.com/in/keith-egan-a4585613a/) [Keith Egan](https://blog.magnateassets.com/author/keith-egan) Keith Egan has spent 30+ years in senior real estate roles across the UK, Dubai and the MENA region. As Director and Co-Founder of Magnate Group, he leads Magnate Assets focused on UK residential investment, lead generation and digital marketing and the Magnate Investments Division, Magnate's development finance and structured investment arm. Keith specialises in connecting landowners, developers and investors with regulated, technology-driven funding structures and fractional ownership solutions, bridging institutional-grade UK real estate with a wider pool of domestic and international capital. - #### Share: - [![](https://f.hubspotusercontent10.net/hubfs/445465/icon/facebook.svg)](http://www.facebook.com/share.php?u=https://blog.magnateassets.com/competitive-rate-cuts-on-buy-to-let-mortgages-what-you-need-to-know) - [![](https://f.hubspotusercontent10.net/hubfs/445465/icon/twitter-sign.svg)](https://twitter.com/share?text=Competitive%20Rate%20Cuts%20on%20Buy-to-Let%20Mortgages:%20What%20You%20Need%20to%20Know&url=https://blog.magnateassets.com/competitive-rate-cuts-on-buy-to-let-mortgages-what-you-need-to-know&hashtags=weareawesome&via=bluleadz) - [![](https://f.hubspotusercontent10.net/hubfs/445465/icon/linkedin.svg)](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.magnateassets.com/competitive-rate-cuts-on-buy-to-let-mortgages-what-you-need-to-know) [Back to Blog](https://blog.magnateassets.com) ### Popular Blogs \[Insider, UK Property, Off-Plan Property, Real Estate Market, Market Trends, Rents, Mortgage, Investment Strategies, Overseas Investors\] - 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