"Launching our Premier range fully into Scotland is a significant step for us and follows a carefully managed rollout to ensure we are delivering the right products with the right service levels for brokers and their landlord clients"
- Rob Stanton - Landbay
Landbay has launched its buy-to-let mortgages Premier range in Scotland, expanding the lender’s product offering for landlords and brokers operating in the Scottish property market.
The launch, announced on 16 March 2026, follows an initial phased rollout. The lender has now made the 75% loan-to-value products available to the whole of market, allowing all broker firms to access the range for landlord clients.
The products cover standard purchases, like-for-like remortgages, and remortgages with either a free valuation or a free valuation plus cashback.
Buy-to-let mortgages now available to Scottish brokers
The Premier range is aimed at landlords with portfolios of up to 15 mortgaged properties. It is available to both individual borrowers and limited company landlords.
Landbay describes the range as its core standard product line, featuring some of the lender’s most competitive buy-to-let mortgages.
Within the range:
Two-year fixed-rate products start from 3.14% with a 5% fee
A zero-fee option is available at 5.64%
Additional options are offered with 1%, 2% and 3% product fees
The lender has also introduced like-for-like remortgage options designed for landlords who want to refinance existing borrowing without changing the loan size.
These include:
A two-year fixed rate at 4.64% with a 2% fee
Five-year fixed-rate options starting from 4.19% with a 5% fee
A zero-fee five-year option at 5.19%
Further fee structures of 1%, 2% and 3% are also available.
Remortgage options for landlords
Landbay is also offering buy-to-let mortgages designed specifically for remortgaging.
Some five-year fixed-rate remortgage products include a free valuation, with pricing starting from 4.24% with a 5% fee and rising to 5.24% with no fee.
The lender has also launched products offering both a free valuation and £500 cashback. These five-year fixed-rate options are priced at 5.25%, with the fixed fee determined by the maximum loan required.
These features are intended to help landlords manage refinancing costs, particularly where property investors are restructuring portfolios or switching lenders.
Scotland-specific lending criteria
Alongside the product rollout, Landbay has introduced criteria designed to reflect the regulatory and tenancy structure of the Scottish rental market.
For example, lenders must meet several requirements when arranging buy-to-let mortgages in Scotland.
Key criteria include:
the property must be listed, or due to be listed, on the Scottish Landlord Register
the property must be let on either a Short Assured Tenancy or Private Residential Tenancy
the tenure must be long lease or owned
freehold flats are permitted
ex-local authority properties above four storeys are allowed
The lender said these changes are designed to ensure applications align with Scotland’s distinct legal framework for landlords.
What this means for landlords and brokers
Access to more competitive buy-to-let mortgages in Scotland could increase product choice for brokers and property investors operating north of the border.
The introduction of fee variations, cashback incentives and remortgage options may also appeal to landlords reviewing borrowing costs or restructuring property portfolios.
“Launching our Premier range fully into Scotland is a significant step for us and follows a carefully managed rollout to ensure we are delivering the right products with the right service levels for brokers and their landlord clients,” said Rob Stanton, sales and distribution director at Landbay (pictured).
“Scotland is a distinct market, with its own legal framework and tenancy structures, and we have taken the time to make sure our criteria, processes and pricing reflect that. By opening this range to the whole of market, we are giving brokers across Scotland access to competitive two- and five-year fixes, like-for-like remortgages and cashback options, all supported by a lending approach that understands how landlords operate there."
“Our focus has been on providing choice and clarity. Whether advisers are dealing with straightforward purchases, refinancing existing borrowing, or landlords looking to manage costs with free valuations and cashback, this range offers flexibility across different fee structures and loan sizes."
“We have also introduced Scotland-specific criteria to give brokers confidence around eligibility from the outset, helping to reduce uncertainty and keep cases moving. For us, this is about backing brokers with landlord clients active in Scotland, delivering products that are well-priced, practical and built around the realities of their market.”
The launch signals continued lender interest in the Scottish buy-to-let mortgages market, where regulatory differences and tenancy rules often require tailored lending products. As lenders refine criteria and pricing, brokers may see greater competition and product innovation for landlords operating across the UK property market.
