Buy-to-Let Interest-Only Mortgage Rates
Buy-to-Let Core Range
Core Tier 1
2 yr Fix
6% Fee
5.29%
4% Fee
6.19%
3% Fee (Special Edition)
6.79%
2% Fee
7.29%
Revert Rate
MVR
Defer up to
Not Applicable
Roll up to
Not Applicable
3 yr Fix
6% Fee
5.79%
4% Fee
6.49%
3% Fee (Special Edition)
6.86%
2% Fee
7.19%
Revert Rate
MVR
Defer up to
Not Applicable
Roll up to
Not Applicable
2 yr Tracker
6% Fee
1.49% + BBR
4% Fee
2.49% + BBR
3% Fee (Special Edition)
3.04% + BBR
2% Fee
3.54% + BBR
Revert Rate
MVR
Defer up to
Not Applicable
Roll up to
Not Applicable
Core Tier 1
LTV
75%
HMO
X
MUFB
X
Expat
X
Foreign National
X
Flat Above Commercial
X
Offshore Company
X
Holiday Let
X
First Time Buyer
X
First Time Landlord
X
Development Exit
X
Mortgage Arrears
0 in 24
Missed Payments
0 in 24
*CCJ & Default (Ignore <£350, telecom, utility)
0 in 24
Bankruptcy
Never
Core Tier 2
2 yr Fix
6% Fee
5.89%
4% Fee
6.79%
3% Fee (Special Edition)
7.39%
2% Fee
7.89%
Revert Rate
MVR + 0.4%
Defer up to
Not Applicable
Roll up to
Not Applicable
3 yr Fix
6% Fee
6.39%
4% Fee
7.09%
3% Fee (Special Edition)
7.46%
2% Fee
7.79%
Revert Rate
MVR + 0.4%
Defer up to
Not Applicable
Roll up to
Not Applicable
2 yr Tracker
6% Fee
1.69% + BBR
4% Fee
2.69% + BBR
3% Fee (Special Edition)
3.24% + BBR
2% Fee
3.74% + BBR
Revert Rate
MVR + 0.4%
Defer up to
Not Applicable
Roll up to
Not Applicable
Core Tier 2
LTV
75%
HMO
6 beds
MUFB
6 units
Expat
UK footprint, certain jurisdictions
Foreign National
X
Flat Above Commercial
X
Offshore Company
X
Holiday Let
X
First Time Buyer
X
First Time Landlord
V
Development Exit
V
Mortgage Arrears
0 in 18
Missed Payments
0 in 12
*CCJ & Default (Ignore <£350, telecom, utility)
0 in 18
Bankruptcy
Never
Buy-to-Let Specialist Rates
Specialist Tier 1
2 yr Fix
6% Fee
5.89%
4% Fee
6.79%
3% Fee (Special Edition)
7.39%
2% Fee
7.89%
Revert Rate
MVR
Defer up to
1.25%
Roll up to
9 months
3 yr Fix
6% Fee
6.39%
4% Fee
7.09%
3% Fee (Special Edition)
7.46%
2% Fee
7.79%
Revert Rate
MVR
Defer up to
1.25%
Roll up to
9 months
2 yr Tracker
6% Fee
1.59% + BBR
4% Fee
2.59% + BBR
3% Fee (Special Edition)
3.14% + BBR
2% Fee
3.64% + BBR
Revert Rate
MVR
Defer up to
2.00%
Roll up to
9 months
Specialist Tier 1
LTV
75%
HMO
X
MUFB
X
Flat Above Commercial
X
Expat
X
Foreign National
X
Offshore Company
X
Holiday Let
X
First Time Landlord
X
Development Exit
X
Mortgage Arrears
0 in 24
Missed Payments
0 in 24
*CCJ & Default (Ignore <£350, telecom, utility)
0 in 24
Bankruptcy
Never
Specialist Tier 2
2 yr Fix
6% Fee
6.39%
4% Fee
7.29%
3% Fee (Special Edition)
7.89%
2% Fee
8.39%
Revert Rate
MVR + 0.4%
Defer up to
1.25%
Roll up to
9 months
3 yr Fix
6% Fee
6.89%
4% Fee
7.59%
3% Fee (Special Edition)
7.96%
2% Fee
8.29%
Revert Rate
MVR + 0.4%
Defer up to
1.25%
Roll up to
9 months
2 yr Tracker
6% Fee
2.09% + BBR
4% Fee
3.09% + BBR
3% Fee (Special Edition)
3.64% + BBR
2% Fee
4.14% + BBR
Revert Rate
MVR + 0.4%
Defer up to
2.00%
Roll up to
9 months
Specialist Tier 2
LTV
75%
HMO
6 beds
MUFB
6 units
Flat Above Commercial
max 60% LTV
Expat
UK footprint
Foreign National
UK footprint
Offshore Company
X
Holiday Let
X
First Time Landlord
V
Development Exit
V
Mortgage Arrears
0 in 18
Missed Payments
0 in 12
*CCJ & Default (Ignore <£350, telecom, utility)
0 in 18
Bankruptcy
Never
Specialist Tier 3
2 yr Fix
6% Fee
6.79%
4% Fee
7.69%
3% Fee (Special Edition)
8.29%
2% Fee
8.79%
Revert Rate
MVR + 1%
Defer up to
1.25%
Roll up to
9 months
3 yr Fix
6% Fee
7.29%
4% Fee
7.99%
3% Fee (Special Edition)
8.36%
2% Fee
8.69%
Revert Rate
MVR + 1%
Defer up to
1.25%
Roll up to
9 months
2 yr Tracker
6% Fee
2.39% + BBR
4% Fee
3.39% + BBR
3% Fee (Special Edition)
3.94% + BBR
2% Fee
4.44% + BBR
Revert Rate
MVR + 1%
Defer up to
2.00%
Roll up to
9 months
Specialist Tier 3
LTV
75%
HMO
any
MUFB
30 units
Flat Above Commercial
max 70% LTV
Expat
V
Foreign National
V
Offshore Company
V
Holiday Let
V
First Time Landlord
V
Development Exit
V
Mortgage Arrears
Considered by referral
Missed Payments
Considered by referral
*CCJ & Default (Ignore <£350, telecom, utility)
Considered by referral
Bankruptcy
Considered by referral
Residential Product Comparison
Bridging
Short-term with monthly rates
Quick turn-around
Flexible: min. term 3m, no ERC, interest payment can be fully rolled, serviced, or part rolled part serviced
Wide range of assets and purposes: auctions, non-structural renovations, chain break, developer exits
Rates from (70% LTV, 2% fee)
0.85% pcm
Max Loan Size
£50m
Term
3-18 months
For professional landlords and experienced investors seeking the flexibility of bridging finance with the certainty of a longer-term solution
Roll and defer interest options available to support improved cash flow
Exit strategy-based lending, accommodating a broad range of asset types and purposes
Rates from (70% LTV, 2% fee)
3.99% + BBR
Max Loan Size
£65m
Term
24 months
Buy-to-Let
Long-term solution
Two distinct product ranges ‘Core’ and ‘Specialist’ designed to meet the needs of a broad range of borrower, from portfolio foreign nationals to first time landlords
Unique affordability tools including ‘roll’ and ‘defer’, plus up to 20% top slicing, to help maximise borrowing potential
Rates from (70% LTV, 2% fee)
7.19%
Max Loan Size
£3m
Term
Up to 10 years
Commercial
Semi & Commercial Interest-Only BTL Mortgage Rates
Semi & Commercial Tier 1
2 yr Fix
6% Fee
Rate
8.09%
Pay Rate
6.84%
4% Fee
Rate
8.99%
Pay Rate
7.74%
2% Fee
Rate
9.99%
Pay Rate
8.74%
Revert Rate
MVR + 0.3%
Defer up to
1.25%
Roll up to
6 months
3 yr Fix
6% Fee
Rate
8.49%
Pay Rate
7.24%
4% Fee
Rate
9.19%
Pay Rate
7.94%
2% Fee
Rate
9.89%
Pay Rate
8.64%
Revert Rate
MVR + 0.3%
Defer up to
1.25%
Roll up to
6 months
2 yr Tracker
6% Fee
Rate
5.24% + BBR
Pay Rate
3.74% + BBR
4% Fee
Rate
6.24% + BBR
Pay Rate
4.74% + BBR
2% Fee
Rate
7.24% + BBR
Pay Rate
5.74% + BBR
Revert Rate
MVR +0.3%
Defer up to
1.50%
Roll up to
6 months
HMO
12 beds
MUFB
12 units
PBSA
V
Commercial Owner Occupier
X
FT Commercial Landlord
X
Expat / F. National
X
Offshore Company
X
Dev Exit
X
Mortgage Arrears
2 in 18, 0 in 6
Missed Payments
2 in last 18
*CCJ & Default (Ignore <£350, telecom, utility)
2 in 18, 0 in 6
Bankruptcy
Discharged >3yrs
Semi & Commercial Tier 2
2 yr Fix
6% Fee
Rate
8.49%
Pay Rate
7.24%
4% Fee
Rate
9.39%
Pay Rate
8.14%
2% Fee
Rate
10.39%
Pay Rate
9.14%
Revert Rate
MVR + 1.5%
Defer up to
1.25%
Roll up to
6 months
3 yr Fix
6% Fee
Rate
8.89%
Pay Rate
7.64%
4% Fee
Rate
9.59%
Pay Rate
8.34%
2% Fee
Rate
10.29%
Pay Rate
9.04%
Revert Rate
MVR + 1.5%
Defer up to
1.25%
Roll up to
6 months
2 yr Tracker
6% Fee
Rate
5.74% + BBR
Pay Rate
4.24% + BBR
4% Fee
Rate
6.74% + BBR
Pay Rate
5.24% + BBR
2% Fee
Rate
7.74% + BBR
Pay Rate
6.24% + BBR
Revert Rate
MVR + 1.5%
Defer up to
1.50%
Roll up to
6 months
HMO
Any
MUFB
Any
PBSA
V
Commercial Owner Occupier
V
FT Commercial Landlord
V
Expat / F. National
V
Offshore Company
V
Dev Exit
V
Mortgage Arrears
Considered by referral
Missed Payments
Considered by referral
*CCJ & Default (Ignore <£350, telecom, utility)
Considered by referral
Bankruptcy
Considered by referral
Commercial Product Comparison
Bridging
Short-term with monthly rates
Quick turn-around
Flexible: min. term 3m, no ERC, interest payment can be fully rolled, serviced, or part rolled part serviced
Wide range of assets and purposes including student accommodation, retail and hospitality
Rates from (70% LTV, 2% fee)
0.90% pcm
Max Loan Size
£15m
Term
3-18 months
For professional landlords, companies (offshore included), experienced investors seeking the flexibility of bridging finance with the certainty of a longer-term solution
Roll and defer interest options available to support improved cash flow
Exit strategy-based lending, accommodating a broad range of asset types and purposes
Rates from (70% LTV, 2% fee)
4.99%+ BBR
Max Loan Size
£10m+
Term
24 months
Buy-to-Let
Long-term solution: 10 years
Flexible criteria to support diverse borrowers – corporate, individual and offshore
Unique affordability tools including roll and defer to help maximise borrowing potential
Rates from (70% LTV, 2% fee)
9.89%
Max Loan Size
£2m
Term
10 years
Market Financial Solutions’ Buy-to-Let Interest Only Mortgage Rates
We update our interest-only BTL mortgage rates on an ongoing basis. Meaning, this page has the latest information available. As is the case across all of our business and different products, clarity remains paramount – for both us and our underlying clients.
We split our residential BTL mortgages into up to three tiers. Our commercial BTL mortgages are split into two tiers.
These products and tiers ascend in scale, and are based on the complexity of the deal, and the borrowers’ circumstances. The most straightforward cases fall into the Buy-to-Let Core product range and in the tier 1 category, while the most complicated are reserved for the Buy-to-Let Specialist range and tier 3. The applicable interest-only BTL mortgage rates that borrowers pay will be dependent on what product and tier they fall in.
What affects your BTL interest-only mortgage rates?
There are many factors that influence what product and tier a borrower falls into, and therefore what rate they will ultimately pay. The type and size of the property, a borrowers’ credit history, their experience, their setup, the loan size, LTV, and more will all have an influence.
Across all our products, all borrowers will be able to benefit from flexibility. Both fixed and tracker options are available, as are deferred and rolled up repayment plans. All our BTL deals are underwritten from day 1 of an enquiry, meaning we’re there to address any issues or concerns as they arise.
Why work with Market Financial Solutions
There are many ways to get the ball rolling with us. An initial enquiry can be made through our website, over the phone, via email, or in-person at the various events we attend throughout the year. All enquiries we receive will be responded to within 4 hours.
But this isn’t the only reason brokers and borrowers should turn to us for our btl interest-only mortgage rates. Market Financial Solutions has been at the forefront of the specialist finance industry for nearly 20 years and with the launch of our BTL mortgages in 2022, we brought bridging-like speed and flexibility to the rental market.
Just as is the case with our bridging loans, our BTL mortgages are assessed on a case-by-case basis. Every borrower we work with has a solution that is tailored to their circumstances. Also, we have tools and resources at the ready to help property investors with their decisions. This includes comprehensive guides, independent research reports, and interactive BTL calculators.
The latter allows users to gauge what interest-only BTL mortgage rates may be available to them ahead of an enquiry, but the results will only be calculated estimations. To get detailed quotes, users should reach out to us today to get the ball rolling.
FAQs
Are buy-to-let interest-only mortgage rates available for both residential and commercial property?
Yes, buy-to-let interest-only mortgage rates can apply across both residential and commercial buy-to-let lending on this page. The tables are split to reflect different property types, so borrowers and brokers can quickly navigate to the relevant area before discussing a quote with the team.
Do buy-to-let interest-only mortgage rates apply to limited companies and SPVs?
We assess buy-to-let cases on a case-by-case basis. If your application is via a company structure (including SPVs), get in touch with our team who can give you an exact quote based on your circumstances.
Can brokers use this page to discuss BTL interest-only mortgage rates with clients?
Yes. The page supports both brokers and borrowers who want clarity on BTL interest-only mortgage rates. It gives an easy reference point for rate conversations before you move into a specific quotation, and it helps set expectations around how options are presented across residential and commercial products.
Are these rates the same as the final rate I’ll receive?
The tables are a strong starting point for understanding buy-to-let interest-only mortgage rates, but your final payable rate is confirmed through the quotation process once the full details of the case are reviewed. In other words: the tables help you benchmark, and a tailored quote confirms the exact pricing for your individual scenario.
What should I prepare before requesting a quote for BTL interest-only mortgage rates?
To move from viewing BTL interest-only mortgage rates to getting a quote, it helps to have the basics clear: the property type (residential vs commercial), the loan requirement, and how the case is structured. With that information ready, it’s easier for us to provide a clear, tailored response that reflects your specific deal.