What Landlords Need to Know About Buy-to-Let Mortgage Rates in 2025

Buy-to-let mortgage rates play a crucial role in your investment returns. With interest rates fluctuating in 2025, landlords must stay informed to secure the best deals.

What Are Current Buy-to-Let Mortgage Rates?

In 2025, BTL mortgage rates are influenced by:
✔ Bank of England base rate – affecting lender pricing.
✔ Loan-to-Value (LTV) ratio – lower LTVs get better rates.
✔ Fixed vs variable rates – offering stability or flexibility.

Typical Buy-to-Let Rates in 2025

📌 5-year fixed rates: Around 4-5% for 75% LTV.
📌 2-year fixed rates: Around 4.5-6% for 75% LTV.
📌 Tracker rates: Can vary based on BoE rate movements.

Fixed vs Variable Buy-to-Let Mortgage Rates in 2025

🔹 Fixed-Rate Mortgages
✅ Stable monthly repayments.
✅ Protects against interest rate hikes.
❌ Often have higher rates than trackers.

🔹 Variable/Tracker Mortgages
✅ Can be cheaper if rates fall.
✅ More flexibility with early repayment.
❌ Risk of increased repayments if rates rise.

How to Secure the Best Buy-to-Let Mortgage Rate in 2025

✔ Keep a strong credit score – better rates for low-risk borrowers.
✔ Increase your deposit – 40% deposit offers the best deals.
✔ Compare lenders – use a buy-to-let mortgage broker for exclusive deals.

💡 Tip: If rates are expected to rise, locking in a 5-year fixed rate might be the safest option.