Expertly compared by Jason Bailey

Products Updated January 25, 2021

Fixed Rate Buy to Let Mortgages

View and compare all the fixed rate buy to let mortgage deals on offer from the whole UK market place. Quickly compare fixed rate deals and rate with other lenders to see who is offering the best deals. Simply change the search filters to change the mortgage results from 2,3,5 and 10 year fixed rates.

Results:1 providers expertly compared:

Lending Expert


This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.

60% - 100%

Initial Rate
1.19% - 4.32%

Standard Rate (SVR)
3.94% - 4.79%


Variable & 3 ,5 & 10 Fixed Rate

Rated 4.9/ 5

All credit types

The mortgage experts at First Choice Finance can quickly assess your requirements and search the market place to find you the perfect mortgage deal. Click get a quote to make an enquiry today.

Read our customer and visitor reviews for this product:

Rating: 4 / 5 with 2 votes

Simple application process

by K Wheeler

Simple application process - broker was kind and offered advice.

Quick search

by James Hilton

This is a quick mortgage search facility and shows many lenders across the market. Impressed with the level of detail on each product.

What you need to know about buy to let fixed rate mortgages

Fixed rate mortgage options for buy to let property

Fixed rate mortgage options for buy to let property

With interests rates still sitting at 0.5%, where they have been since 2008, and with the rental market continuing to be strong, you may be considering investing your money in a buy to let property rather than using other investment strategies that may not provide you with as much return as a rental property. However before you dive into buying a property to rent out, make sure you know exactly what you is entailed in securing a buy to let fixed rate mortgage.

Know your fees

Fees and charges on fixed rate BTL deals

Unlike residential mortgages you will not find any buy to let mortgages with low application fees. You should expect to pay a minimum of £2000 as you application fee, however many buy to let mortgages use a percentage of your loan value and so the application fee can be much higher, all of which you need to take into account when you are setting your budget limit in order to identify suitable properties. Make sure that you are realistic in the values you are considering by doing your research before you start looking for properties.

How big a deposit do i need?

Deposits for buy to let mortgages are usually required to be much bigger than for residential mortgages. Most buy to let mortgages will require you to have at least a 40% deposit. Although there are some mortgage lenders that will provide you with a mortgage using a smaller deposit, in some cases as low as 25%, they will not offer you the lowest interest rates for your mortgage.

Find a balance

Don’t just look for the lowest fixed interest rate as this does not necessarily provide you with the best deal possible. You need to make sure that you take into account the application fee as well before you can make a judgement on which mortgage will provide you with the most cost effective mortgage. If you are not able to make these calculations yourself you can get an independent financial advisor to make them for you. They will then provide you with the actual cost to you over the fixed term so that you can compare totals. If the mortgage deal you are looking at works on a percentage of the loan amount as the fee, even if it offers the lowest rate it is unlikely to offer you the lowest payments overall so make sure you shop around.

Why choose a fixed rate mortgage?

The strength of the housing market at the moment, combined with the ongoing rock bottom interest rates means that there are some good mortgage deals around for those who have the deposit to use them. You can find deals that will run for between two and five years, with five year deals having slightly higher rates. No matter which option you choose a fixed rate will protect you from interest rate rises for the term of the fixed rate. Therefore you will not have any surprises when it comes to making the mortgage payment each month.

How to choose the right mortgage product for you

There will be a number of factors that you will need to take into account when you are looking for the right mortgage product, not least of which is the size of your deposit and the loan to value ratio that you are looking at. The location of your property and the potential rental income will also have to be a factor in deciding whether the mortgage repayments will be achievable in the long term should there be any gaps in the tenancy. While you could just walk into you bank and find out whether they have anything suitable you would actually be far better off approaching an independent financial adviser who will be able to identify all of the products that may be suitable for your purposes. This then gives you a broad view of the market. Your financial adviser can also then provide you with the pros and cons of each mortgage identified that will include things like application fees, tie-in periods, early repayment charges and the overall cost of the mortgage during the fixed rate period.

Related Links

Buy to Let Mortgages

Get expert advice and buy to let mortgage comparsion from our approved brokers. Get a quote here on Lending Expert.

Fixed Rate Buy to Let Mortgages

Compare fixed rate mortgages from the market place. Check your eligibility and apply online.

HMO Mortgages

HMO mortgages for landlords and property professionals. Market comparison back up with expert advice.

Buy to Let Mortgages Bad Credit

If you have bad credit there are still mortgage options open to you. Get a quote here on Lending Expert today.

Student Let Mortgages

Mortgages for student lets and accomodation. Check your eligibility and apply with Lending Expert.

Limited Company Mortgages

Mortgage advice and comparison for limited company mortgages. Get a quote here on Lending Expert.

Buy to Let Mortgage No Proof of Income

Mortgage products and lenders that dont require proof of income are available.

Buy to let mortgages for unemployed

If you're unemployed you can still get a mortgage with these lenders via Lending Expert.

Buy to Let Portfolio Landlord Mortgages

Buy to let mortgages for portfolio landlords who wish to mortgage multiple investments.