The lowest current 2-year fixed HMO mortgage rate available at 60% LTV is 3.39% (7.00% product fee, max 65% LTV). The lowest current 2-year fixed HMO mortgage rate without a product fee at 60% LTV is 5.29% (no product fee, max 65% LTV). Rates checked 10 November 2026.
HMO Buy to Let Mortgage Product Details
Zephyr Homeloans BTL 2 Year Fixed 7% Fee LTD Co SPV HMO/MUFB EPC A-E
Mortgage Summary
For the first
2 years
the mortgage rate is
3.39%
giving you a monthly payment of
£339.00 .
After your
fixed
rate ends, you will move to the
Zephyr Homeloans
standard variable rate which is currently
9.15%
.
This would give you a monthly repayment of
£890.00 .
The maximum Loan to Value (LTV)
is
65%
for this mortgage.
Your LTV is
60%
based on the figures you have entered.
The true cost of this mortgage over the
initial period is
£17,101.00 ,
this includes all fees and payments.
This is a good way to compare mortgages
of the same initial period.
Fee Breakdown
|
Product Fee
|
7% |
|
Booking Fee
|
£0.00 |
|
Telegraphic Transfer Fee
|
£30.00 |
|
Valuation Fee
|
£480.00 |
|
Total Fees
|
£8,965.00
|
|
Early Repayment Charge
|
Yes |
Repayments
| Initial Monthly Payment |
£339.00 |
| Ongoing Monthly Payment |
£890.00 |
| True Cost Over Initial Period |
£17,101.00 |
| Total Amount Repayable |
£262,741.00 |
Zephyr Homeloans BTL 2 Year Fixed 7% Fee Large HMO/MUFB EPC A-E
Mortgage Summary
For the first
2 years
the mortgage rate is
3.64%
giving you a monthly payment of
£364.00 .
After your
fixed
rate ends, you will move to the
Zephyr Homeloans
standard variable rate which is currently
9.15%
.
This would give you a monthly repayment of
£890.00 .
The maximum Loan to Value (LTV)
is
65%
for this mortgage.
Your LTV is
60%
based on the figures you have entered.
The true cost of this mortgage over the
initial period is
£18,721.00 ,
this includes all fees and payments.
This is a good way to compare mortgages
of the same initial period.
Fee Breakdown
|
Product Fee
|
7% |
|
Booking Fee
|
£0.00 |
|
Telegraphic Transfer Fee
|
£30.00 |
|
Valuation Fee
|
£1,500.00 |
|
Total Fees
|
£9,985.00
|
|
Early Repayment Charge
|
Yes |
Repayments
| Initial Monthly Payment |
£364.00 |
| Ongoing Monthly Payment |
£890.00 |
| True Cost Over Initial Period |
£18,721.00 |
| Total Amount Repayable |
£264,361.00 |
CHL Mortgages CHL 1 BTL 2 Year Fixed 7.00% Fee Small HMO (INDIVIDUAL) Limited Edition
Mortgage Summary
For the first
2 years
the mortgage rate is
3.7%
giving you a monthly payment of
£370.00 .
After your
fixed
rate ends, you will move to the
CHL Mortgages
standard variable rate which is currently
8.99%
.
This would give you a monthly repayment of
£899.00 .
The maximum Loan to Value (LTV)
is
75%
for this mortgage.
Your LTV is
60%
based on the figures you have entered.
The true cost of this mortgage over the
initial period is
£18,105.00 ,
this includes all fees and payments.
This is a good way to compare mortgages
of the same initial period.
Fee Breakdown
|
Product Fee
|
7% |
|
Booking Fee
|
£150.00 |
|
Telegraphic Transfer Fee
|
£25.00 |
|
Valuation Fee
|
£465.00 |
|
Total Fees
|
£9,225.00
|
|
Early Repayment Charge
|
Yes |
Repayments
| Initial Monthly Payment |
£370.00 |
| Ongoing Monthly Payment |
£899.00 |
| True Cost Over Initial Period |
£18,105.00 |
| Total Amount Repayable |
£266,229.00 |
BM Solutions Intermediary BTL A-B EPC 2 Year Fixed 3% Fee Purchase
Mortgage Summary
For the first
2 years
the mortgage rate is
3.77%
(until
31/03/2029)
giving you a monthly payment of
£377.00 .
After your
fixed
rate ends, you will move to the
BM Solutions
standard variable rate which is currently
8.34%
.
This would give you a monthly repayment of
£834.00 .
The maximum Loan to Value (LTV)
is
75%
for this mortgage.
Your LTV is
60%
based on the figures you have entered.
The true cost of this mortgage over the
initial period is
£14,256.00 ,
this includes all fees and payments.
This is a good way to compare mortgages
of the same initial period.
Fee Breakdown
|
Product Fee
|
3% |
|
Booking Fee
|
£0.00 |
|
Telegraphic Transfer Fee
|
£0.00 |
|
Valuation Fee
|
£100.00 |
|
Total Fees
|
£3,700.00
|
|
Early Repayment Charge
|
Yes |
Repayments
| Initial Monthly Payment |
£377.00 |
| Ongoing Monthly Payment |
£834.00 |
| True Cost Over Initial Period |
£14,256.00 |
| Total Amount Repayable |
£241,104.00 |
The Mortgage Works Intermediary BTL 2 Year Fixed 3% Fee
Mortgage Summary
For the first
2 years
the mortgage rate is
3.79%
(until
31/01/2029)
giving you a monthly payment of
£379.00 .
After your
fixed
rate ends, you will move to the
The Mortgage Works
standard variable rate which is currently
7.74%
.
This would give you a monthly repayment of
£774.00 .
The maximum Loan to Value (LTV)
is
65%
for this mortgage.
Your LTV is
60%
based on the figures you have entered.
The true cost of this mortgage over the
initial period is
£13,749.00 ,
this includes all fees and payments.
This is a good way to compare mortgages
of the same initial period.
Fee Breakdown
|
Product Fee
|
3% |
|
Booking Fee
|
£0.00 |
|
Telegraphic Transfer Fee
|
£15.00 |
|
Valuation Fee
|
£280.00 |
|
Total Fees
|
£3,895.00
|
|
Early Repayment Charge
|
Yes |
Repayments
| Initial Monthly Payment |
£379.00 |
| Ongoing Monthly Payment |
£774.00 |
| True Cost Over Initial Period |
£13,749.00 |
| Total Amount Repayable |
£225,825.00 |
CHL Mortgages CHL 1 BTL 2 Year Fixed 7.00% Fee Small HMO (SPV LTD CO.)
Mortgage Summary
For the first
2 years
the mortgage rate is
3.84%
giving you a monthly payment of
£384.00 .
After your
fixed
rate ends, you will move to the
CHL Mortgages
standard variable rate which is currently
8.99%
.
This would give you a monthly repayment of
£899.00 .
The maximum Loan to Value (LTV)
is
65%
for this mortgage.
Your LTV is
60%
based on the figures you have entered.
The true cost of this mortgage over the
initial period is
£18,441.00 ,
this includes all fees and payments.
This is a good way to compare mortgages
of the same initial period.
Fee Breakdown
|
Product Fee
|
7% |
|
Booking Fee
|
£150.00 |
|
Telegraphic Transfer Fee
|
£25.00 |
|
Valuation Fee
|
£465.00 |
|
Total Fees
|
£9,225.00
|
|
Early Repayment Charge
|
Yes |
Repayments
| Initial Monthly Payment |
£384.00 |
| Ongoing Monthly Payment |
£899.00 |
| True Cost Over Initial Period |
£18,441.00 |
| Total Amount Repayable |
£266,565.00 |
BM Solutions Intermediary BTL 2 Year Fixed 3% Fee Purchase
Mortgage Summary
For the first
2 years
the mortgage rate is
3.87%
(until
31/03/2029)
giving you a monthly payment of
£387.00 .
After your
fixed
rate ends, you will move to the
BM Solutions
standard variable rate which is currently
8.34%
.
This would give you a monthly repayment of
£834.00 .
The maximum Loan to Value (LTV)
is
75%
for this mortgage.
Your LTV is
60%
based on the figures you have entered.
The true cost of this mortgage over the
initial period is
£14,536.00 ,
this includes all fees and payments.
This is a good way to compare mortgages
of the same initial period.
Fee Breakdown
|
Product Fee
|
3% |
|
Booking Fee
|
£0.00 |
|
Telegraphic Transfer Fee
|
£0.00 |
|
Valuation Fee
|
£100.00 |
|
Total Fees
|
£3,700.00
|
|
Early Repayment Charge
|
Yes |
Repayments
| Initial Monthly Payment |
£387.00 |
| Ongoing Monthly Payment |
£834.00 |
| True Cost Over Initial Period |
£14,536.00 |
| Total Amount Repayable |
£241,384.00 |
CHL Mortgages CHL 2 BTL 2 Year Fixed 7.00% Fee Small HMO (SPV LTD CO.)
Mortgage Summary
For the first
2 years
the mortgage rate is
3.94%
giving you a monthly payment of
£394.00 .
After your
fixed
rate ends, you will move to the
CHL Mortgages
standard variable rate which is currently
8.99%
.
This would give you a monthly repayment of
£899.00 .
The maximum Loan to Value (LTV)
is
65%
for this mortgage.
Your LTV is
60%
based on the figures you have entered.
The true cost of this mortgage over the
initial period is
£18,681.00 ,
this includes all fees and payments.
This is a good way to compare mortgages
of the same initial period.
Fee Breakdown
|
Product Fee
|
7% |
|
Booking Fee
|
£150.00 |
|
Telegraphic Transfer Fee
|
£25.00 |
|
Valuation Fee
|
£465.00 |
|
Total Fees
|
£9,225.00
|
|
Early Repayment Charge
|
Yes |
Repayments
| Initial Monthly Payment |
£394.00 |
| Ongoing Monthly Payment |
£899.00 |
| True Cost Over Initial Period |
£18,681.00 |
| Total Amount Repayable |
£266,805.00 |
Keystone BTL 2 Year Fixed 7% Fee Specialist HMO/Multi-unit
Mortgage Summary
For the first
2 years
the mortgage rate is
3.94%
giving you a monthly payment of
£394.00 .
After your
fixed
rate ends, you will move to the
Keystone
standard variable rate which is currently
8.99%
.
This would give you a monthly repayment of
£899.00 .
The maximum Loan to Value (LTV)
is
70%
for this mortgage.
Your LTV is
60%
based on the figures you have entered.
The true cost of this mortgage over the
initial period is
£18,835.00 ,
this includes all fees and payments.
This is a good way to compare mortgages
of the same initial period.
Fee Breakdown
|
Product Fee
|
7% |
|
Booking Fee
|
£199.00 |
|
Telegraphic Transfer Fee
|
£35.00 |
|
Valuation Fee
|
£610.00 |
|
Total Fees
|
£9,379.00
|
|
Early Repayment Charge
|
Yes |
Repayments
| Initial Monthly Payment |
£394.00 |
| Ongoing Monthly Payment |
£899.00 |
| True Cost Over Initial Period |
£18,835.00 |
| Total Amount Repayable |
£266,959.00 |
Keystone BTL 2 Year Fixed 7% Fee Specialist HMO/Multi-unit SPV LTD Co's
Mortgage Summary
For the first
2 years
the mortgage rate is
3.94%
giving you a monthly payment of
£394.00 .
After your
fixed
rate ends, you will move to the
Keystone
standard variable rate which is currently
8.99%
.
This would give you a monthly repayment of
£899.00 .
The maximum Loan to Value (LTV)
is
70%
for this mortgage.
Your LTV is
60%
based on the figures you have entered.
The true cost of this mortgage over the
initial period is
£18,835.00 ,
this includes all fees and payments.
This is a good way to compare mortgages
of the same initial period.
Fee Breakdown
|
Product Fee
|
7% |
|
Booking Fee
|
£199.00 |
|
Telegraphic Transfer Fee
|
£35.00 |
|
Valuation Fee
|
£610.00 |
|
Total Fees
|
£9,379.00
|
|
Early Repayment Charge
|
Yes |
Repayments
| Initial Monthly Payment |
£394.00 |
| Ongoing Monthly Payment |
£899.00 |
| True Cost Over Initial Period |
£18,835.00 |
| Total Amount Repayable |
£266,959.00 |
