Compare 2 year fixed buy to let mortgages

Buy To Let Mortgages - 2 Year Fixed

  - Find the best buy to let mortgage at moneyfacts.co.uk. Our independent Best Buys show a selection of the top 2 year fixed rates available.
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Compare the Best 2 Year Fixed Mortgages

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Rate APRC Period Max LTV Redemption Apply Today  
 

1.99%
Reverting to 4.74%
4.5% 01/04/2019 60% To 01/04/2019 Details...
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  Product Fee: Arrangement £995  

1.99%
Reverting to 4.74%
4.6% 01/04/2019 70% To 01/04/2019 Details...
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  Product Fee: Arrangement £1995  

2.04%
Reverting to 4.74%
4.6% 01/04/2019 75% To 01/04/2019 Details...
Go to Site
 
  Product Fee: Arrangement £1995  

2.04%
Reverting to 4.75%
4.6% 31/03/2019 75% To 31/03/2019 Details...
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  Product Fee: Booking £1999  

2.19%
Reverting to 4.75%
4.4% 31/03/2019 60% To 31/03/2019 Details...
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  Product Fee: Booking £349  

2.27%
Reverting to 4.74%
4.4% 30/11/2018 70% To 30/11/2018 Details...
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  Product Fee: Arrangement £995  

2.30%
Reverting to 4.74%
4.5% 28/02/2019 60% To 28/02/2019 Details...
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  Product Fee: -  

2.45%
Reverting to 4.74%
4.6% 01/04/2019 75% To 01/04/2019 Details...
Go to Site
 
  Product Fee: Arrangement £995  

2.46%
Reverting to 4.74%
4.5% 30/11/2018 75% To 30/11/2018 Details...
Go to Site
 
  Product Fee: Arrangement £995  

2.54%
Reverting to 4.75%
4.5% 31/03/2019 75% To 31/03/2019 Details...
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  Product Fee: Booking £349  
  Sponsored Products  

4.68%
Reverting to 5.48%
5.7% 2 years 80% 1st 2 yrs Details...
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  Product Fee: Completion 2.50% Advance  

1.88%
Reverting to 4.25%
4.4% 31/01/2019 60% To 31/01/2019 Details...
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  Product Fee: Arrangement £1995  
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Last Updated: Friday 9 December 2016 07:12

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply via Moneyfacts.co.uk today. Products shown with a yellow background are sponsored products.

Most Buy-To-Let mortgages are not regulated by the Financial Conduct Authority (FCA). Whether a Buy-To-Let mortgage is regulated depends on your personal circumstances. The above information assumes that FCA regulation does not apply to the mortgage products shown.

Disclaimer:
YOUR BUY-TO-LET PROPERTY MAY BE REPOSSESSED IF YOU FAIL TO KEEP UP REPAYMENTS ON ANY MORTGAGE SECURED ON IT. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.
 

How do buy to let mortgages work?

Buy to let is when you buy a property with the intention of renting it out to tenants. Some landlords do this as part of an investment strategy, but increasingly it is individuals changing from a residential mortgage on their own home, to a buy to let mortgage when they move out (perhaps to move in with a partner or during a period of working abroad).

Buy to let mortgages are very similar to a mortgage on your home, with fixed rates and trackers available. However, you should expect higher arrangement fees with a BTL as well as a different way of assessing whether you can have the mortgage.

Most mortgage lenders link whether you can afford the mortgage, to the rent you are charging or propose to charge. Generally-speaking you'll need the rent to be at least 125% of the mortgage payment in order to satisfy your mortgage lender. But you should check carefully before making an application that you will be eligible, as a significant number of lenders have more stringent affordability requirements.

Remember too that while the lender may consider the mortgage affordable, you need to be happy it is too. Lenders don't factor in the other costs of running a buy to let property, such as insurance, agent's fees, and other maintenance costs.


2 year fixed rate buy to let mortgages...

Fixed rates are great if you want to know exactly what you are paying for a set period. Specifically in terms of buy to let they can be a great way to manage your costs. Sometimes fixed rates aren't as cheap as the best tracker rates available to landlords, but they do offer the certainty that your payment won't go up.

With short term fixed rates you should also consider the costs of remortgaging your BTL property regularly. When your fixed rate period comes to an end you will be on your lender's buy to let standard variable rate, or possibly a tracker based variable rate. This could be higher than your fixed rate, so if you don’t remortgage, it’s important you have enough manoeuvre in your budget to absorb the higher mortgage costs.

What next?

Speak to a BTL mortgage adviser
Buy to let home
Compare 3 year fixed BTL mortgages
Compare tracker rate BTL mortgages
Compare BTL mortgages for new landlords

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