The average price of renting a property in England and Wales increased annually by 3.9% during April... More
The buy-to-let mortgage industry continued to grow during the first quarter of 2013, according to la... More
The buy-to-let mortgage sector has experienced something of a comeback over the past couple of years... More
The Bank of England’s Trends in Lending report has found continued demand for rental accommodation h... More
A survey of chartered surveyors has revealed that almost a quarter believe continued high demand for... More
Buy-to-let is enjoying a bit of renaissance: more mortgages available, higher rental yields and high... More
Whether you let a single flat or 100 properties, find out the tax on buy-to-let property and income ... More
Whether you’re a newbie to buy-to-let, or a seasoned investor, one of the most important things when... More
A rate reduction of 0.70% has pushed Godiva Mortgages’ variable for term deal to the top of the best... More
Principality Building Society has cut the rate on its two-year fixed-rate buy-to-let deal by 0.20%, ... More
NatWest Mortgage Services has made a number of rate reductions across its buy-to-let range, with its... More
A rate cut of 0.20% has boosted this two-year deal’s position in the intermediary-only buy-to-let ma... More
Nottingham Building Society has reduced the rate on its three-year fixed buy-to-let mortgage by 0.19... More
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.
Fixed rate buy to let mortgages can range from one year up until five years, sometimes even longer. Three year fixed rates can offer a happy medium in that they can be considered long enough that you don’t feel like you’re remortgaging every other year, but without the longer term tie in of a five year fix.
The risk with fixed rate mortgages is that if rates remain low, or go down during the term, you could end up paying more than you would have done on a variable or tracker rate.
For a buy to let landlord that means that you could miss out on extra profit, in return for the payment security of a fixed rate.
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