Buy-To-Let Loan Rates

Buy-to-Let Rates Table

This Loan Rates Table is representative of the Q3 2022 MFS Buy-to-Let Loan Rates.

Tier 1: Standard BTL

Our best rate for straightforward cases

Tier 2: Solutions BTL

Designed for most simple transactions. Those wanting mid-term BTL solutions from a 'can do' lender

Tier 3: Specialist BTL

For more complex borrowers or properties: Large structures, expats, foreign nationals, or overseas companies

Tier 4: Bespoke BTL

Complex combinations reviewed by experienced UW on case ments & wider picture. We always try our best to lend
Fixed Rate (for full term) 6.19% 6.69% 6.99% From 7.29% (POA)
Pay Rate 4.69% (with 1.5/2% deferred interest) 4.69% 5.19% 4.99% From 5.29%
Product Free 1.75% 1.75% 1.75% From 2% (POA)
Max LTV 75% 75% 75% <=70%
Loan Term 24 or 36 months 24 or 36 months 24 or 36 months 24 or 36 months
Individual Loan Size £150k -  3m £150k -  3m £150k -  3m £150k -  3m
Rate Deferral Up to 1.5% Up to 1.5% Up to 2.0% Up to 2.0%
Rollup & Defer Up to 9 months Up to 9 months Up to 9 months Up to 9 months
HMO
Yes <= 6 beds Yes <= 12 beds. Max 70% LTV Yes, any size considered
Multi-Unit Freehold Block
Yes, <= 6 units Yes, 10 units Yes, up to 30 units
Flats above commercial
Yes, max 60% LTV certain types Yes, max 65% LTV certain types Yes, Considered to 70% LTV
First Time Landlord
Expat/Foreign Nationals
UK footprint
Offshore Company
Holiday/Short Term Let
Credit Blips

(outstanding impairment to be satisfied by completion)

Missed Mortgage Payments (incl 2nds) 0 missed in last 24 months 0 missed in last 18 months 2 missed last 18m, 0 in last 6m Considered upon referral
Unsecured Card/Loan Payments (ignore when balance < 500) 0 missed payments last 24 months 0 missed payments last 12 months 2 missed in last 18m Considered upon referral
CCJs & Defaults (Ignore <= 350, telecom, utility) 0 registered in last 24m 0 registered in last 18m 2 registered in last 18m, 0 in last 6m Considered upon referral
Bankruptcy/IVA/DRO Never Never Discharged > 3 years Considered upon referral

Get your quote with our Buy-To-Let calculator

Try out our Buy-To-Let Calculator today to find out how much you can borrow. Download your quote for free to receive a detailed quote showing your interest, charges and other costs associated with your buy-to-let loan.

  • Did you know there are no exit fees and that we’ll return your client’s commitment fee upon the loan draw down?
Market Financial Solutions MFS buy to let calculator

Meet our Associations

Market Financial Solutions MFS Associations NACFB
Market Financial Solutions MFS Associations FIBA
Market Financial Solutions MFS Associations ASTL
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