Our Best 85% 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 85% 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 £170,000 interest-only mortgage, representing 85% LTV.
For a 5 year fixed mortgage, rates start at 6.99% (Max LTV 85%), with a 2% product fee. Rates checked 27 October 2026.
Showing 5 out of 5 matching 85% LTV buy-to-let mortgage rates.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender Vida Homeloans | Initial Rate 5.99% then 8.64% variable | Rate Type Fixed for 2 years | Max LTV 85% | Fees 2% Product Fee | APRC 8.6% | Monthly Payment £848.58 Initial Monthly Payment | More Information More information |
| Lender Vida Homeloans | Initial Rate 6.78% then 8.64% variable | Rate Type Fixed for 2 years | Max LTV 85% | Fees 2% Product Fee | APRC 8.8% | Monthly Payment £960.50 Initial Monthly Payment | More Information More information |
| Lender Vida Homeloans | Initial Rate 6.99% then 8.64% variable | Rate Type Fixed for 5 years | Max LTV 85% | Fees 2% Product Fee | APRC 8.4% | Monthly Payment £990.25 Initial Monthly Payment | More Information More information |
| Lender Vida Homeloans | Initial Rate 7.19% then 8.64% variable | Rate Type Fixed for 5 years | Max LTV 85% | Fees 2% Product Fee | APRC 8.5% | Monthly Payment £1,018.58 Initial Monthly Payment | More Information More information |
| Lender Foundation | Initial Rate 7.34% then 8.74% variable | Rate Type Fixed for 5 years | Max LTV 85% | Fees No fee Product Fee | APRC 8.6% | Monthly Payment £1,039.83 Initial Monthly Payment | More Information More information |
Vida Homeloans Intermediary BTL 2 Year Fixed 2% Fee (VIDA 36)
Mortgage Summary
For the first 2 years the mortgage rate is 5.99% (until 30/04/2029) giving you a monthly payment of £848.58 .
After your fixed rate ends, you will move to the Vida Homeloans standard variable rate which is currently 8.64% . This would give you a monthly repayment of £1,224.00 .
The maximum Loan to Value (LTV) is 85% for this mortgage. Your LTV is 85% based on the figures you have entered.
The true cost of this mortgage over the initial period is £29,472.40 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 2% |
|---|---|
| Booking Fee | £195.00 |
| Telegraphic Transfer Fee | £35.00 |
| Valuation Fee | £230.00 |
| Total Fees | £4,015.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £848.58 |
|---|---|
| Ongoing Monthly Payment | £1,224.00 |
| True Cost Over Initial Period | £29,472.40 |
| Total Amount Repayable | £359,952.40 |
Vida Homeloans Intermediary BTL 2 Year Fixed 2% Fee HMO & MUB's (VIDA 36)
Mortgage Summary
For the first 2 years the mortgage rate is 6.78% (until 30/04/2029) giving you a monthly payment of £960.50 .
After your fixed rate ends, you will move to the Vida Homeloans standard variable rate which is currently 8.64% . This would give you a monthly repayment of £1,224.00 .
The maximum Loan to Value (LTV) is 85% for this mortgage. Your LTV is 85% based on the figures you have entered.
The true cost of this mortgage over the initial period is £32,830.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 2% |
|---|---|
| Booking Fee | £195.00 |
| Telegraphic Transfer Fee | £35.00 |
| Valuation Fee | £230.00 |
| Total Fees | £4,015.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £960.50 |
|---|---|
| Ongoing Monthly Payment | £1,224.00 |
| True Cost Over Initial Period | £32,830.00 |
| Total Amount Repayable | £363,310.00 |
Vida Homeloans Intermediary BTL 5 Year Fixed 2% Fee (VIDA 36)
Mortgage Summary
For the first 5 years the mortgage rate is 6.99% (until 30/04/2032) giving you a monthly payment of £990.25 .
After your fixed rate ends, you will move to the Vida Homeloans standard variable rate which is currently 8.64% . This would give you a monthly repayment of £1,224.00 .
The maximum Loan to Value (LTV) is 85% for this mortgage. Your LTV is 85% based on the figures you have entered.
The true cost of this mortgage over the initial period is £69,371.50 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 2% |
|---|---|
| Booking Fee | £195.00 |
| Telegraphic Transfer Fee | £35.00 |
| Valuation Fee | £230.00 |
| Total Fees | £4,015.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £990.25 |
|---|---|
| Ongoing Monthly Payment | £1,224.00 |
| True Cost Over Initial Period | £69,371.50 |
| Total Amount Repayable | £355,787.50 |
Vida Homeloans Intermediary BTL 5 Year Fixed 2% Fee HMO & MUB's (VIDA 36)
Mortgage Summary
For the first 5 years the mortgage rate is 7.19% (until 30/04/2032) giving you a monthly payment of £1,018.58 .
After your fixed rate ends, you will move to the Vida Homeloans standard variable rate which is currently 8.64% . This would give you a monthly repayment of £1,224.00 .
The maximum Loan to Value (LTV) is 85% for this mortgage. Your LTV is 85% based on the figures you have entered.
The true cost of this mortgage over the initial period is £71,241.28 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 2% |
|---|---|
| Booking Fee | £195.00 |
| Telegraphic Transfer Fee | £35.00 |
| Valuation Fee | £230.00 |
| Total Fees | £4,015.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £1,018.58 |
|---|---|
| Ongoing Monthly Payment | £1,224.00 |
| True Cost Over Initial Period | £71,241.28 |
| Total Amount Repayable | £357,657.28 |
Foundation BTL-F1 5 Year Fixed No Fee
Mortgage Summary
For the first 5 years the mortgage rate is 7.34% giving you a monthly payment of £1,039.83 .
After your fixed rate ends, you will move to the Foundation standard variable rate which is currently 8.74% . This would give you a monthly repayment of £1,238.17 .
The maximum Loan to Value (LTV) is 85% for this mortgage. Your LTV is 85% based on the figures you have entered.
The true cost of this mortgage over the initial period is £63,053.80 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £0.00 |
|---|---|
| Booking Fee | £199.00 |
| Telegraphic Transfer Fee | £35.00 |
| Valuation Fee | £245.00 |
| Total Fees | £664.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £1,039.83 |
|---|---|
| Ongoing Monthly Payment | £1,238.17 |
| True Cost Over Initial Period | £63,053.80 |
| Total Amount Repayable | £360,214.60 |
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 £170,000 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 85 LTV buy to let mortgage & remortgage schemes if would like mortgage advice, complete our mortgage enquiry form and we will contact you to discuses 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 85% of the property value, leaving 15% 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.