Our Best 80% buy to let mortgage tables are updated daily for the most up to date buy to let mortgage rates available. The buy to let mortgages below are the lowest 80% LTV rate mortgages in the market with early redemption penalties. If you have any questions about the buy to let remortgage & mortgage schemes below contact us with any queries.
Compare current buy to let mortgage rates for a £200,000 property with a £160,000 interest-only mortgage, representing 80% LTV.
The lowest current 2 year fixed buy-to-let mortgage rate at 80% LTV is 4.70% (Max LTV 80%), with a 5% product fee, compared with 5.99% (Max LTV 80%) without a product fee. For a 5 year fixed mortgage, rates start at 5.34% (Max LTV 80%), with a 2% product fee, compared with 5.77% (Max LTV 80%) without a product fee. Rates checked 3 November 2026.
Showing 10 out of 410 matching 80% LTV buy-to-let mortgage rates.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender Rely Mortgages | Initial Rate 4.23% then 6.75% variable | Rate Type Fixed for 1 year | Max LTV 80% | Fees 3% Product Fee | APRC 7.1% | Monthly Payment £564.00 Initial Monthly Payment | More Information More information |
| Lender Rely Mortgages | Initial Rate 4.45% then 6.75% variable | Rate Type Fixed for 1 year | Max LTV 80% | Fees 3% Product Fee | APRC 7.1% | Monthly Payment £593.33 Initial Monthly Payment | More Information More information |
| Lender Rely Mortgages | Initial Rate 4.51% then 6.75% variable | Rate Type Fixed for 1 year | Max LTV 80% | Fees 3% Product Fee | APRC 7.1% | Monthly Payment £601.33 Initial Monthly Payment | More Information More information |
| Lender Rely Mortgages | Initial Rate 4.57% then 6.75% variable | Rate Type Fixed for 1 year | Max LTV 80% | Fees 3% Product Fee | APRC 7.1% | Monthly Payment £609.33 Initial Monthly Payment | More Information More information |
| Lender Rely Mortgages | Initial Rate 4.67% then 6.75% variable | Rate Type Fixed for 1 year | Max LTV 80% | Fees 3% Product Fee | APRC 7.1% | Monthly Payment £622.67 Initial Monthly Payment | More Information More information |
| Lender Moda Mortgages | Initial Rate 4.7% then 8.74% variable | Rate Type Fixed for 2 years | Max LTV 80% | Fees 5% Product Fee | APRC 8.8% | Monthly Payment £626.67 Initial Monthly Payment | More Information More information |
| Lender Rely Mortgages | Initial Rate 4.71% then 6.75% variable | Rate Type Fixed for 2 years | Max LTV 80% | Fees 5% Product Fee | APRC 7.1% | Monthly Payment £628.00 Initial Monthly Payment | More Information More information |
| Lender Rely Mortgages | Initial Rate 4.73% then 6.75% variable | Rate Type Fixed for 1 year | Max LTV 80% | Fees 3% Product Fee | APRC 7.1% | Monthly Payment £630.67 Initial Monthly Payment | More Information More information |
| Lender Rely Mortgages | Initial Rate 4.77% then 6.75% variable | Rate Type Fixed for 2 years | Max LTV 80% | Fees 5% Product Fee | APRC 7.2% | Monthly Payment £636.00 Initial Monthly Payment | More Information More information |
| Lender Rely Mortgages | Initial Rate 4.79% then 6.75% variable | Rate Type Fixed for 1 year | Max LTV 80% | Fees 3% Product Fee | APRC 7.1% | Monthly Payment £638.67 Initial Monthly Payment | More Information More information |
Rely Mortgages BTL SPV LTD Company 1 Year Fixed 3% Fee
Mortgage Summary
For the first 1 year the mortgage rate is 4.23% giving you a monthly payment of £564.00 .
After your fixed rate ends, you will move to the Rely Mortgages standard variable rate which is currently 6.75% . This would give you a monthly repayment of £900.00 .
The maximum Loan to Value (LTV) is 80% for this mortgage. Your LTV is 80% based on the figures you have entered.
The true cost of this mortgage over the initial period is £11,988.00 , 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 | £145.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £225.00 |
| Total Fees | £5,220.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £564.00 |
|---|---|
| Ongoing Monthly Payment | £900.00 |
| True Cost Over Initial Period | £11,988.00 |
| Total Amount Repayable | £271,188.00 |
Rely Mortgages BTL 1 Year Fixed 3% Fee HMO/MUFB (1-6 Units)
Mortgage Summary
For the first 1 year the mortgage rate is 4.45% giving you a monthly payment of £593.33 .
After your fixed rate ends, you will move to the Rely Mortgages standard variable rate which is currently 6.75% . This would give you a monthly repayment of £900.00 .
The maximum Loan to Value (LTV) is 80% for this mortgage. Your LTV is 80% based on the figures you have entered.
The true cost of this mortgage over the initial period is £12,569.96 , 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 | £145.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £455.00 |
| Total Fees | £5,450.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £593.33 |
|---|---|
| Ongoing Monthly Payment | £900.00 |
| True Cost Over Initial Period | £12,569.96 |
| Total Amount Repayable | £271,769.96 |
Rely Mortgages BTL 1 Year Fixed 3% Fee
Mortgage Summary
For the first 1 year the mortgage rate is 4.51% giving you a monthly payment of £601.33 .
After your fixed rate ends, you will move to the Rely Mortgages standard variable rate which is currently 6.75% . This would give you a monthly repayment of £900.00 .
The maximum Loan to Value (LTV) is 80% for this mortgage. Your LTV is 80% based on the figures you have entered.
The true cost of this mortgage over the initial period is £12,435.96 , 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 | £145.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £225.00 |
| Total Fees | £5,220.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £601.33 |
|---|---|
| Ongoing Monthly Payment | £900.00 |
| True Cost Over Initial Period | £12,435.96 |
| Total Amount Repayable | £271,635.96 |
Rely Mortgages BTL 1 Year Fixed 3% Fee Medium Portfolio
Mortgage Summary
For the first 1 year the mortgage rate is 4.57% giving you a monthly payment of £609.33 .
After your fixed rate ends, you will move to the Rely Mortgages standard variable rate which is currently 6.75% . This would give you a monthly repayment of £900.00 .
The maximum Loan to Value (LTV) is 80% for this mortgage. Your LTV is 80% based on the figures you have entered.
The true cost of this mortgage over the initial period is £12,531.96 , 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 | £145.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £225.00 |
| Total Fees | £5,220.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £609.33 |
|---|---|
| Ongoing Monthly Payment | £900.00 |
| True Cost Over Initial Period | £12,531.96 |
| Total Amount Repayable | £271,731.96 |
Rely Mortgages BTL SPV LTD Company 1 Year Fixed 3% Fee
Mortgage Summary
For the first 1 year the mortgage rate is 4.67% giving you a monthly payment of £622.67 .
After your fixed rate ends, you will move to the Rely Mortgages standard variable rate which is currently 6.75% . This would give you a monthly repayment of £900.00 .
The maximum Loan to Value (LTV) is 80% for this mortgage. Your LTV is 80% based on the figures you have entered.
The true cost of this mortgage over the initial period is £12,692.04 , 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 | £145.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £225.00 |
| Total Fees | £5,220.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £622.67 |
|---|---|
| Ongoing Monthly Payment | £900.00 |
| True Cost Over Initial Period | £12,692.04 |
| Total Amount Repayable | £271,892.04 |
Moda Mortgages Non-prime BTL 2 Year Fixed 5% Fee Limited Edition
Mortgage Summary
For the first 2 years the mortgage rate is 4.7% giving you a monthly payment of £626.67 .
After your fixed rate ends, you will move to the Moda Mortgages standard variable rate which is currently 8.74% . This would give you a monthly repayment of £1,165.33 .
The maximum Loan to Value (LTV) is 80% for this mortgage. Your LTV is 80% based on the figures you have entered.
The true cost of this mortgage over the initial period is £23,140.08 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 5% |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | Free valuation |
| Total Fees | £8,100.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £626.67 |
|---|---|
| Ongoing Monthly Payment | £1,165.33 |
| True Cost Over Initial Period | £23,140.08 |
| Total Amount Repayable | £344,771.16 |
Rely Mortgages BTL 2 Year Fixed 5% Fee Free Val
Mortgage Summary
For the first 2 years the mortgage rate is 4.71% giving you a monthly payment of £628.00 .
After your fixed rate ends, you will move to the Rely Mortgages standard variable rate which is currently 6.75% . This would give you a monthly repayment of £900.00 .
The maximum Loan to Value (LTV) is 80% for this mortgage. Your LTV is 80% based on the figures you have entered.
The true cost of this mortgage over the initial period is £23,267.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 5% |
|---|---|
| Booking Fee | £145.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £8,195.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £628.00 |
|---|---|
| Ongoing Monthly Payment | £900.00 |
| True Cost Over Initial Period | £23,267.00 |
| Total Amount Repayable | £271,667.00 |
Rely Mortgages BTL 1 Year Fixed 3% Fee HMO/MUFB (1-6 Units)
Mortgage Summary
For the first 1 year the mortgage rate is 4.73% giving you a monthly payment of £630.67 .
After your fixed rate ends, you will move to the Rely Mortgages standard variable rate which is currently 6.75% . This would give you a monthly repayment of £900.00 .
The maximum Loan to Value (LTV) is 80% for this mortgage. Your LTV is 80% based on the figures you have entered.
The true cost of this mortgage over the initial period is £13,018.04 , 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 | £145.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £455.00 |
| Total Fees | £5,450.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £630.67 |
|---|---|
| Ongoing Monthly Payment | £900.00 |
| True Cost Over Initial Period | £13,018.04 |
| Total Amount Repayable | £272,218.04 |
Rely Mortgages BTL SPV LTD Company 2 Year Fixed 5% Fee HMO/MUFB (7+ Units)
Mortgage Summary
For the first 2 years the mortgage rate is 4.77% giving you a monthly payment of £636.00 .
After your fixed rate ends, you will move to the Rely Mortgages standard variable rate which is currently 6.75% . This would give you a monthly repayment of £900.00 .
The maximum Loan to Value (LTV) is 80% for this mortgage. Your LTV is 80% based on the figures you have entered.
The true cost of this mortgage over the initial period is £23,914.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 5% |
|---|---|
| Booking Fee | £145.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £455.00 |
| Total Fees | £8,650.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £636.00 |
|---|---|
| Ongoing Monthly Payment | £900.00 |
| True Cost Over Initial Period | £23,914.00 |
| Total Amount Repayable | £272,314.00 |
Rely Mortgages BTL LTD Company 1 Year Fixed 3% Fee Large Portfolio
Mortgage Summary
For the first 1 year the mortgage rate is 4.79% giving you a monthly payment of £638.67 .
After your fixed rate ends, you will move to the Rely Mortgages standard variable rate which is currently 6.75% . This would give you a monthly repayment of £900.00 .
The maximum Loan to Value (LTV) is 80% for this mortgage. Your LTV is 80% based on the figures you have entered.
The true cost of this mortgage over the initial period is £12,884.04 , 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 | £145.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £225.00 |
| Total Fees | £5,220.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £638.67 |
|---|---|
| Ongoing Monthly Payment | £900.00 |
| True Cost Over Initial Period | £12,884.04 |
| Total Amount Repayable | £272,084.04 |
Your home may be repossessed if you do not keep up repayments on your mortgage
The APRC quoted is representative and for example purposes, it is based on a £200,000 property with a £160,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
Once you compare the 80% LTV buy to let mortgage & remortgage schemes, if you would like mortgage advice, complete our mortgage enquiry form and we will contact you to discuss your mortgage requirements. We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances such as complex cases or debt consolidation. Our typical fee would be £399.
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority
The above information does not contain all the details you need to choose a mortgage. Please consult a qualified advisor before undertaking any borrowing/these calculations are for illustration purposes only and may not reflect the true cost of repayment.
It means the mortgage is 80% of the property value, leaving 20% as deposit or equity. Lenders also assess rental affordability and property criteria.
No. A low headline rate may come with a substantial product fee. Compare the total cost over the initial deal period, monthly payments and early repayment charges.
Yes, subject to product availability and lender criteria. Fixed rates offer payment certainty during the fixed period; tracker rates can rise or fall.