Buy to let mortgage rates: BTL Mortgage Rate Index
The BTL Mortgage Rate Index carries 23 published figures read from 8 sources' own pages; the 7 published figures given by product run from 3.75 to 8.94 percent, read 23 October 2026.
- 24 to 5
- 135 to 5
- 45 to 6
- 36 to 7
- 7 to 8
- 18 to 9
Bands
| Bucket | Value |
|---|---|
| 4 to 5 | 2 figures |
| 5 to 5 | 13 figures |
| 5 to 6 | 4 figures |
| 6 to 7 | 3 figures |
| 7 to 8 | 0 figures |
| 8 to 9 | 1 figure |
8 of the 27 named sources read in full publish a figure; 19 publish none, read 23 October 2026.
By product and lender and fee and LTV band and fix length
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| productbank-rate | 3.75% | 3.75 to 3.75% | 1 |
| productcommercial | 7.09% | 5.24 to 8.94% | 2 |
| productbuy-to-let | 4.85% | 4.69 to 5.21% | 4 |
| lenderHSBC | 5.11% | 5.11 to 5.11% | 1 |
| fee0% | 6.15% | 6.15 to 6.15% | 1 |
| fee2% | 4.5% | 4.5 to 4.5% | 1 |
| feefee-saver | 5.17% | 5.17 to 5.17% | 1 |
| fee1.50% | 6.44% | 6.44 to 6.44% | 1 |
| fee2.00% | 6.64% | 6.64 to 6.64% | 1 |
| LTV band60% | 5.23% | 5.23 to 5.23% | 1 |
| LTV band75% | 6.47% | 6.47 to 6.47% | 1 |
| LTV band80% | 5.99% | 5.99 to 5.99% | 1 |
| fix length2 year | 4.81% | 4.81 to 4.81% | 1 |
| fix length5 year | 4.75% | 4.75 to 4.75% | 1 |
| fix length2-year | 5.12% | 4.95 to 5.29% | 2 |
| fix length5-year | 5.48% | 4.96 to 5.99% | 2 |
Every figure, with its source
One row per published figure: the figure as the source's own page publishes it, the page, and the day it was read. A figure that is not on a page we read is not on this one.
The sentence each figure was read from (23)
- Together commercial property mortgages, read 2026-10-17:
Rates from 8.94%
- Foundation Home Loans buy to let product guide, read 2026-10-18:
5 Year Fixed 75% £1.5m 2.00% 6.64%
- Leeds Building Society buy to let mortgages, read 2026-10-17:
6.47% 8.04% 8.1% 75% £1499
- Foundation Home Loans buy to let product guide, read 2026-10-18:
2 Year Fixed 75% 1.50% £1.5m 6.44% 3%, 2%
- Foundation Home Loans buy to let product guide, read 2026-10-18:
5 Year Fixed 80% £750k 4.00% 6.29%
- Fleet Mortgages product range, read 2026-10-11:
2 Year Fixed 6.15% 75% 0% 130% @ 8.15% (Basic rate taxpayer) 6.75% Call us
- Foundation Home Loans buy to let product guide, read 2026-10-18:
5 Year Fixed 75% £1.5m 4.00% 5.99%
- Foundation Home Loans buy to let product guide, read 2026-10-18:
2 Year Fixed 80% 3.00% £750k 5.69% 3%, 2%
- Foundation Home Loans buy to let product guide, read 2026-10-18:
2 Year Fixed 75% 3.00% £1.5m 5.29% 3%, 2%
- Shawbrook commercial mortgages, read 2026-10-11:
Rates from 5.24%
- Leeds Building Society buy to let mortgages, read 2026-10-17:
31/01/2029 Then changing to the Society's current Buy to Let (BTL) Variable Rate for the remaining term of the mortgage Overall cost for comparison (APRC) Maximum loan to value (LTV) Product Fee 5.23% 8.04% 7.9% 60% £1499
- Leeds Building Society buy to let mortgages, read 2026-10-17:
5.21% 8.04% 7.8% 60% £0
- HSBC buy to let mortgage rates, read 2026-10-17:
5 Year Fixed Premier Fee Saver Buy To Let 5.17%
- HSBC buy to let mortgage rates, read 2026-10-17:
2 Year Fixed Fee Saver Buy To Let 5.11%
- HSBC buy to let mortgage rates, read 2026-10-17:
5 Year Fixed Premier Standard Buy To Let 4.96%
- HSBC buy to let mortgage rates, read 2026-10-17:
2 Year Fixed Premier Standard Buy To Let 4.95%
- HSBC buy to let mortgage rates, read 2026-10-17:
2 Year Fixed Fee Saver Buy To Let 4.91%
- HSBC buy to let mortgage rates, read 2026-10-17:
2 Year Fixed Standard Buy To Let 4.81%
- Shawbrook buy-to-let mortgages, read 2026-10-11:
Rates from 4.79%
- HSBC buy to let mortgage rates, read 2026-10-17:
5 Year Fixed Standard Buy To Let 4.75%
- Fleet Mortgages product range, read 2026-10-11:
2 Year Fixed 4.69% 75% 3% 125% @ 6.69% (Basic rate taxpayer) 6.75% Call us
- Fleet Mortgages product range, read 2026-10-11:
2 Year Tracker 4.50% 75% 2% 125% @ 6.50% (Basic rate taxpayer) 6.75% Call us
- Bank of England: interest rates and Bank Rate, read 2026-10-23:
Our latest decision: Bank Rate held at 3.75%
Read in full, publishes no figure
19 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- The Mortgage Works buy to let mortgage rates, read 2026-10-12: read in full and no accepted figure on the page
- The Mortgage Works intermediary products, read 2026-10-17: every candidate on the page was refused
- Landbay products and BTL calculator, read 2026-10-11: every candidate on the page was refused
- Precise Mortgages buy to let products, read 2026-10-03: every candidate on the page was refused
- Zephyr Homeloans product criteria, read 2026-10-10: every candidate on the page was refused
- Together buy to let mortgages, read 2026-10-11: every candidate on the page was refused
- Barclays buy-to-let mortgage rates, read 2026-10-03: every candidate on the page was refused
- Barclays intermediaries buy-to-let products, read 2026-09-26: read in full and no accepted figure on the page
- NatWest buy to let mortgages, read 2026-09-19: read in full and no accepted figure on the page
- NatWest Intermediary Solutions BTL hub, read 2026-10-17: every candidate on the page was refused
- Aldermore buy to let mortgages, read 2026-09-12: read in full and no accepted figure on the page
- Aldermore buy to let criteria guide, read 2026-09-12: every candidate on the page was refused
- Skipton Building Society buy to let, read 2026-10-10: read in full and no accepted figure on the page
- Coventry for intermediaries buy to let, read 2026-10-10: read in full and no accepted figure on the page
- BM Solutions, read 2026-09-12: read in full and no accepted figure on the page
- Molo buy-to-let mortgages, read 2026-09-12: every candidate on the page was refused
- Kent Reliance for Intermediaries product transfers, read 2026-09-12: read in full and no accepted figure on the page
- Bank of England Bank Rate database, read 2026-10-24: read in full and no accepted figure on the page
- Aldermore intermediaries buy to let, read 2026-10-11: every candidate on the page was refused
Methodology
Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2).
8 of the 27 named sources that could be read published a usable figure; 19 published none and are recorded as not published, never filled in; 2 could not be read (blocked, dead or unreachable) and count nowhere.
The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in % (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 22 figures, never sentences; 355 candidate sentence(s) were refused by a reviewer with the reason recorded.
The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): the lowest, median and highest advertised initial rate across every lender publishing a buy-to-let product page, per LTV band, per fix length and per product fee, beside the Bank of England Bank Rate; the spread over Bank Rate, the fee-adjusted true cost, and the movement since the last read - the calculators the keywords ask for are generated from this table rather than from a typed-in default
355 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (29)
- The Mortgage Works buy to let mortgage rates(the publisher's own terms; quoted for reporting and comment)
- The Mortgage Works intermediary products(the publisher's own terms; quoted for reporting and comment)
- Fleet Mortgages product range(the publisher's own terms; quoted for reporting and comment)
- Landbay products and BTL calculator(the publisher's own terms; quoted for reporting and comment)
- Precise Mortgages buy to let products(the publisher's own terms; quoted for reporting and comment)
- Together commercial property mortgages(the publisher's own terms; quoted for reporting and comment)
- Leeds Building Society buy to let mortgages(the publisher's own terms; quoted for reporting and comment)
- Zephyr Homeloans product criteria(the publisher's own terms; quoted for reporting and comment)
- Together buy to let mortgages(the publisher's own terms; quoted for reporting and comment)
- Barclays buy-to-let mortgage rates(the publisher's own terms; quoted for reporting and comment)
- Barclays intermediaries buy-to-let products(the publisher's own terms; quoted for reporting and comment)
- NatWest buy to let mortgages(the publisher's own terms; quoted for reporting and comment)
- NatWest Intermediary Solutions BTL hub(the publisher's own terms; quoted for reporting and comment)
- HSBC buy to let mortgage rates(the publisher's own terms; quoted for reporting and comment)
- Aldermore buy to let mortgages(the publisher's own terms; quoted for reporting and comment)
- Aldermore buy to let criteria guide(the publisher's own terms; quoted for reporting and comment)
- Skipton Building Society buy to let(the publisher's own terms; quoted for reporting and comment)
- Coventry for intermediaries buy to let(the publisher's own terms; quoted for reporting and comment)
- BM Solutions(the publisher's own terms; quoted for reporting and comment)
- Molo buy-to-let mortgages(the publisher's own terms; quoted for reporting and comment)
- Kent Reliance for Intermediaries product transfers(the publisher's own terms; quoted for reporting and comment)
- Foundation Home Loans buy to let product guide(the publisher's own terms; quoted for reporting and comment)
- Bank of England Bank Rate database(the publisher's own terms; quoted for reporting and comment)
- Paragon buy-to-let product guide(the publisher's own terms; quoted for reporting and comment)
- Shawbrook buy-to-let mortgages(the publisher's own terms; quoted for reporting and comment)
- Shawbrook commercial mortgages(the publisher's own terms; quoted for reporting and comment)
- Aldermore intermediaries buy to let(the publisher's own terms; quoted for reporting and comment)
- Bank of England: interest rates and Bank Rate(the publisher's own terms; quoted for reporting and comment)
- register.fca.org.uk(the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
Cite or embed this figure
The BTL Mortgage Rate Index carries 23 published figures read from 8 sources' own pages; the 7 published figures given by product run from 3.75 to 8.94 percent, read 23 October 2026.
8 of the 27 named sources read in full publish a figure; 19 publish none, read 23 October 2026.
BTL Mortgage Rate Index, product bank-rate: median 3.75 percent across 1 source, read 23 October 2026.
BTL Mortgage Rate Index, product commercial: median 7.09 percent across 2 sources, read 23 October 2026.
BTL Mortgage Rate Index, product buy-to-let: median 4.85 percent across 4 sources, read 23 October 2026.
BTL Mortgage Rate Index, lender HSBC: median 5.11 percent across 1 source, read 23 October 2026.
BTL Mortgage Rate Index, fee 0%: median 6.15 percent across 1 source, read 23 October 2026.
BTL Mortgage Rate Index, fee 2%: median 4.50 percent across 1 source, read 23 October 2026.
BTL Mortgage Rate Index, fee fee-saver: median 5.17 percent across 1 source, read 23 October 2026.
BTL Mortgage Rate Index, fee 1.50%: median 6.44 percent across 1 source, read 23 October 2026.
BTL Mortgage Rate Index, fee 2.00%: median 6.64 percent across 1 source, read 23 October 2026.
BTL Mortgage Rate Index, LTV band 60%: median 5.23 percent across 1 source, read 23 October 2026.
BTL Mortgage Rate Index, LTV band 75%: median 6.47 percent across 1 source, read 23 October 2026.
BTL Mortgage Rate Index, LTV band 80%: median 5.99 percent across 1 source, read 23 October 2026.
BTL Mortgage Rate Index, fix length 2 year: median 4.81 percent across 1 source, read 23 October 2026.
BTL Mortgage Rate Index, fix length 5 year: median 4.75 percent across 1 source, read 23 October 2026.
BTL Mortgage Rate Index, fix length 2-year: median 5.12 percent across 2 sources, read 23 October 2026.
BTL Mortgage Rate Index, fix length 5-year: median 5.47 percent across 2 sources, read 23 October 2026.
Cite as: "Insurance by Profession BTL Mortgage Rate Index", updated 2026-10-24, https://insurancebyprofession.com/datasets/btl-mortgage-rate-index/.
Download the CSV (23 rows, computed 2026-10-24)