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Buy-to-let rates

We offer a range of award-winning mortgages, with our latest rates if you're looking for buy-to-let

The rates below are available if you're looking to purchase a buy-to-let mortgage or to remortgage a buy-to-let property.

Purchasing a buy-to-let property

Remortgaging a buy-to-let property

Not a UK resident or lived in the UK as a foreign national for less than 12 months? Find out how to apply for a non-UK resident mortgage and take a look at our latest residential and buy-to-let mortgage rates.

It's worth considering what your loan-to-value (LTV) will be. Your LTV is the ratio between the amount of the loan you take out and the value of your property as a whole, as a percentage.

A low LTV ratio is good news because the rates available are likely to be lower than higher LTV mortgages. For example, a £100,000 property with an £80,000 mortgage = an 80% LTV.

Purchasing a buy-to-let property

Fixed-rate mortgages

A fixed-rate mortgage means that your payments will stay the same untill the end date of the fixed rate period, even if interest rates change.

60% Maximum Loan to Value (LTV)
Mortgage Initial interest rate Followed by a Variable Rate, currently Initial interest rate period Overall cost for comparison (APRC) Booking fee Annual overpayment allowance Cashback Maximum loan amount (subject to LTV and Lending Policy)  
2 Year Fixed Fee Saver Buy To Let 4.94%
fixed
7.60% 2 Years fixed rate until 31.12.2026 7.3%
APRC
£0 10% £0 £ 2,000,000 How to apply
2 Year Fixed Standard Buy To Let

4.34%
fixed

7.60%

2 Years fixed rate until 31.12.2026

7.4%
APRC

£1999

10%

£0

£ 2,000,000

How to apply
2 Year Fixed Standard Buy To Let 4.09%
fixed
7.60% 2 Years fixed rate until 31.12.2026 7.7%
APRC
£3999 10% £0 £ 2,000,000 How to apply
5 Year Fixed Fee Saver Buy To Let

4.30%
fixed

7.60%

5 Years fixed rate until 31.12.2029

6.4%
APRC

£0

10%

£0

£ 2,000,000

How to apply
5 Year Fixed Standard Buy To Let

4.15%
fixed

7.60%

5 Years fixed rate until 31.12.2029

6.5%
APRC

£1999

10%

£0

£ 2,000,000

How to apply
5 Year Fixed Standard Buy To Let 3.90%
fixed
7.60% 5 Years fixed rate until 31.12.2029 6.7%
APRC
£3999 10% £0 £ 2,000,000 How to apply
60% Maximum Loan to Value (LTV)
Mortgage 2 Year Fixed Fee Saver Buy To Let
Initial interest rate 4.94%
fixed
Followed by a Variable Rate, currently 7.60%
Initial interest rate period 2 Years fixed rate until 31.12.2026
Overall cost for comparison (APRC) 7.3%
APRC
Booking fee £0
Annual overpayment allowance 10%
Cashback £0
Maximum loan amount (subject to LTV and Lending Policy) £ 2,000,000
  How to apply
Mortgage 2 Year Fixed Standard Buy To Let
Initial interest rate

4.34%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

2 Years fixed rate until 31.12.2026

Overall cost for comparison (APRC) 7.4%
APRC
Booking fee

£1999

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

  How to apply
Mortgage 2 Year Fixed Standard Buy To Let
Initial interest rate 4.09%
fixed
Followed by a Variable Rate, currently 7.60%
Initial interest rate period 2 Years fixed rate until 31.12.2026
Overall cost for comparison (APRC) 7.7%
APRC
Booking fee £3999
Annual overpayment allowance 10%
Cashback £0
Maximum loan amount (subject to LTV and Lending Policy) £ 2,000,000
  How to apply
Mortgage 5 Year Fixed Fee Saver Buy To Let
Initial interest rate

4.30%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

5 Years fixed rate until 31.12.2029

Overall cost for comparison (APRC) 6.4%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

  How to apply
Mortgage 5 Year Fixed Standard Buy To Let
Initial interest rate

4.15%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

5 Years fixed rate until 31.12.2029

Overall cost for comparison (APRC) 6.5%
APRC
Booking fee

£1999

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

  How to apply
Mortgage 5 Year Fixed Standard Buy To Let
Initial interest rate 3.90%
fixed
Followed by a Variable Rate, currently 7.60%
Initial interest rate period 5 Years fixed rate until 31.12.2029
Overall cost for comparison (APRC) 6.7%
APRC
Booking fee £3999
Annual overpayment allowance 10%
Cashback £0
Maximum loan amount (subject to LTV and Lending Policy) £ 2,000,000
  How to apply

Tracker mortgages

60% Maximum Loan to Value (LTV)
Mortgage

Initial interest rate

Followed by a variable rate, currently

Initial interest rate period

Overall cost for comparison (APRC)

Booking fee

Cashback

Maximum loan amount (subject to LTV and Lending Policy)

 
2 Year Term Tracker Fee Saver Buy To Let

6.09%

variable

7.60%
2 Years

7.5%

APRC

£0
£0 £ 2,000,000 How to apply
2 Year Term Tracker Standard Buy To Let

5.27%

variable

7.60%
2 Years

7.7%

APRC

£1999
£0 £ 2,000,000
How to apply
60% Maximum Loan to Value (LTV)
Mortgage 2 Year Term Tracker Fee Saver Buy To Let

Initial interest rate

6.09%

variable

Followed by a variable rate, currently

7.60%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

7.5%

APRC

Booking fee

£0
Cashback £0

Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000
  How to apply
Mortgage 2 Year Term Tracker Standard Buy To Let

Initial interest rate

5.27%

variable

Followed by a variable rate, currently

7.60%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

7.7%

APRC

Booking fee

£1999
Cashback £0

Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000
  How to apply

Remortgaging a Buy to Let property from another lender

Fixed-rate mortgages

A fixed-rate mortgage means that your payments will stay the same untill the end date of the fixed rate period, even if interest rates change.

60% Maximum Loan to Value (LTV)
Mortgage Initial interest rate Followed by a Variable Rate, currently Initial interest rate period Overall cost for comparison (APRC) Booking fee Annual overpayment allowance Incentives Maximum loan amount (subject to LTV and Lending Policy)  
2 Year Fixed Fee Saver Buy To Let 4.92%
fixed
7.60% 2 Years fixed rate until 31.12.2026 7.3%
APRC
£0 10% Standard Legal Fees* £ 2,000,000 How to apply
2 Year Fixed Standard Buy To Let

4.25%
fixed

7.60%

2 Years fixed rate until 31.12.2026

7.4%
APRC

£1999

10%

Standard Legal Fees*

£ 2,000,000

How to apply
2 Year Fixed Standard Buy To Let

4.00%
fixed

7.60%

2 Years fixed rate until 31.12.2026

7.7%
APRC

£3999

10%

Standard Legal Fees*

£ 2,000,000

How to apply
5 Year Fixed Fee Saver Buy To Let

4.29%
fixed

7.60%

5 Years fixed rate until 31.12.2029

6.3%
APRC

£0

10%

Standard Legal Fees*

£ 2,000,000

How to apply
5 Year Fixed Standard Buy To Let

3.99%
fixed

7.60%

5 Years fixed rate until 31.12.2029

6.5%
APRC

£1999

10%

Standard Legal Fees*

£ 2,000,000

How to apply
5 Year Fixed Standard Buy To Let

3.74%
fixed

7.60%

5 Years fixed rate until 31.12.2029

6.6%
APRC

£3999

10%

Standard Legal Fees*

£ 2,000,000

How to apply
60% Maximum Loan to Value (LTV)
Mortgage 2 Year Fixed Fee Saver Buy To Let
Initial interest rate 4.92%
fixed
Followed by a Variable Rate, currently 7.60%
Initial interest rate period 2 Years fixed rate until 31.12.2026
Overall cost for comparison (APRC) 7.3%
APRC
Booking fee £0
Annual overpayment allowance 10%
Incentives Standard Legal Fees*
Maximum loan amount (subject to LTV and Lending Policy) £ 2,000,000
  How to apply
Mortgage 2 Year Fixed Standard Buy To Let
Initial interest rate

4.25%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

2 Years fixed rate until 31.12.2026

Overall cost for comparison (APRC) 7.4%
APRC
Booking fee

£1999

Annual overpayment allowance

10%

Incentives Standard Legal Fees*
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

  How to apply
Mortgage 2 Year Fixed Standard Buy To Let
Initial interest rate

4.00%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

2 Years fixed rate until 31.12.2026

Overall cost for comparison (APRC) 7.7%
APRC
Booking fee

£3999

Annual overpayment allowance

10%

Incentives Standard Legal Fees*
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

  How to apply
Mortgage 5 Year Fixed Fee Saver Buy To Let
Initial interest rate

4.29%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

5 Years fixed rate until 31.12.2029

Overall cost for comparison (APRC) 6.3%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Incentives Standard Legal Fees*
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

  How to apply
Mortgage 5 Year Fixed Standard Buy To Let
Initial interest rate

3.99%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

5 Years fixed rate until 31.12.2029

Overall cost for comparison (APRC) 6.5%
APRC
Booking fee

£1999

Annual overpayment allowance

10%

Incentives Standard Legal Fees*
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

  How to apply
Mortgage 5 Year Fixed Standard Buy To Let
Initial interest rate

3.74%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

5 Years fixed rate until 31.12.2029

Overall cost for comparison (APRC) 6.6%
APRC
Booking fee

£3999

Annual overpayment allowance

10%

Incentives Standard Legal Fees*
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

  How to apply

*Standard Legal Fees means the bank will appoint a solicitor for you and all standard legal fees will be covered by us. This includes the legal processing fee, search and land registry fees and telegraphic transfer fee. For more information please visit What Is Conveyancing And How Does It Work? | Property Searches – HSBC UK

Tracker mortgages

60% Maximum Loan to Value (LTV)
Mortgage

Initial interest rate

Followed by a variable rate, currently

Initial interest rate period

Overall cost for comparison (APRC)

Booking fee

Incentives

Maximum loan amount (subject to LTV and Lending Policy)

 
2 Year Term Tracker Fee Saver Buy To Let

6.09%

variable

7.60%
2 Years

7.5%

APRC

£0
Standard Legal Fees* £ 2,000,000 How to apply
2 Year Term Tracker Standard Buy To Let

5.48%

variable

7.60%
2 Years

7.7%

APRC

£1999
Standard Legal Fees* £ 2,000,000
How to apply
60% Maximum Loan to Value (LTV)
Mortgage 2 Year Term Tracker Fee Saver Buy To Let

Initial interest rate

6.09%

variable

Followed by a variable rate, currently

7.60%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

7.5%

APRC

Booking fee

£0
Incentives Standard Legal Fees*

Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000
  How to apply
Mortgage 2 Year Term Tracker Standard Buy To Let

Initial interest rate

5.48%

variable

Followed by a variable rate, currently

7.60%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

7.7%

APRC

Booking fee

£1999
Incentives Standard Legal Fees*

Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000
  How to apply

*Standard Legal Fees means the bank will appoint a solicitor for you and all standard legal fees will be covered by us. This includes the legal processing fee, search and land registry fees and telegraphic transfer fee. For more information please visit What Is Conveyancing And How Does It Work? | Property Searches – HSBC UK

Representative example

A repayment mortgage of £112,175.86 payable over 25 years initially on a fixed rate for 2 years at 4.23% and then on our current variable rate of 7.60% (variable) for the remaining 23 years would require 24 monthly payments of £606.72 and 275 monthly payments of £821.28 plus one final payment of £824.89.

The total amount payable would be £245,532.17 made up of the loan amount plus interest of £129,062.31 a booking fee of £3,999 and a solicitors fee of £295.

In this example, the overall cost for comparison is 7.7% APRC representative.

Please note your actual costs and monthly repayments will vary.

Things to know

Ready to apply?

First, you'll need a Decision in Principle (sometimes called an Agreement in Principle), then you can apply for your mortgage.

Think carefully before securing other debts against your property.

Your property may be repossessed if you do not keep up repayments on your mortgage.

If you've started your application already, you can pick up where you left off or update it online at any time.

Need some guidance?

Give our dedicated mortgage specialists a call on:

Our lines are open Monday to Friday 08:00 to 20:00, Saturday and Sunday 09:00 to 17:00. We may monitor and record calls. Opening hours may vary.

It's easy to answer your query online. Visit our Help page to find out how.