Fleet Mortgages has cut rates across a range of its two- and five-year fixed-rate buy-to-let products at 75% LTV, including EPC A-C options, with the changes taking effect from today (17th June 2026).
The buy-to-let specialist lender has reduced rates by 20bps on its two-year fixed-rate HMO/MUFB products, which carry a 3% fee. The non-EPC A-C variant has dropped from 4.79% to 4.59%, while the EPC A-C product has fallen from 4.69% to 4.49%.
EPC A-C products are available to borrowers purchasing or remortgaging a property that has already reached an A-C energy performance rating.
Fleet has also cut rates by 10bps across all its five-year fixed-rate products available up to 75% LTV, including the EPC A-C variants. The changes apply as follows:
- Standard and limited company borrowers: down from 5.14% to 5.04%
- Standard and limited company EPC A-C: down from 5.04% to 4.94%
- HMO/MUFB: down from 5.39% to 5.29%
- HMO/MUFB EPC A-C: down from 5.29% to 5.19%
All five-year fixes come with a 3% fee, subject to a minimum of £750.
Steve Cox, chief commercial officer at Fleet Mortgages (pictured), said the reductions reflect improved conditions in the funding market. "These latest reductions reflect the improved funding environment we have seen recently and, as a result, our focus on ensuring advisers and their landlord borrower clients continue to have access to competitively-priced buy-to-let mortgage options across a range of property types and borrower circumstances."
He explained that while conditions remain changeable, the lender has seen enough stability to justify further price reductions. "While market conditions remain capable of changing quickly, there has been a greater degree of stability compared to earlier in the year, allowing us to make further positive pricing changes.
"By reducing rates across our five-year range and making larger reductions on our two-year HMO/MUFB products, we are providing landlords with additional choice at a time when many continue to assess both refinancing opportunities and future portfolio plans."
Cox added that Fleet has also extended end-dates on selected two-year products to give brokers more flexibility when placing cases. "We have also extended end-dates on selected two-year products in order to give advisers more time and greater certainty when placing cases. In a market which can still move quickly, this can make a meaningful difference to both advisers and their clients."
