Rates on two-year 75% LTV products have been cut by 10 to 25bps, with Standard and Limited Company pricing now from 3.69%.

The new product allows borrowing of up to £3 million at 70% LTV for large HMO properties.

HMO and MUFB five-year fixed rates at 75% LTV for loans between £250,000 and £1m now stand at 5.79%, reduced from 6.29%.

Five-year Buy-to-Let rates now start from 5.88% for UK expats and 5.89% for international residents.

Virgin Money's new two-year fixed rates with a £1,495 fee will start from 3.84%.

Refurb BTL funds projects where refurbishment costs are up to 25% of the property’s value.

The bank's enhanced pricing applies to buy-to-let loans over £1 million.

More than a third of landlords said the rate of their most recent buy-to-let mortgage was above 5%, reflecting deals secured during the peak of the recent rate cycle.

Between four and ten of all buy-to-let purchases in early 2025 were completed in the Midlands and the North.

59,467 new BTL loans worth £10.9 billion were issued in Q3 2025.