New Buy to Let Lender from September 2025
New lenders not on the comparison sites offer:
- 80% LTV buy to let
- 85% LTV buy to let
- 90% LTV buy to let
- 95% LTV buy to let
It is ideal for purchases and cash-out remortgages to raise capital for more properties. There are no broker fees.
85% buy-to-let property Mortgages
The main drawback of high loan-to-value buy-to-let mortgages like 90% and 95% is that there are much fewer lenders, and the available lenders have slightly higher rates.
However, if your property has an excellent rental income, it will allow you to buy the property with the minimum amount of cash down and increase the size of your portfolio. Interest rates are currently meagre and should stay low for the foreseeable future. The Bank of England might start to raise rates slightly at a languid pace, but if they do, it’s likely due to the UK economy improving. In that case, the rents will likely rise.
When you have a portfolio of properties with one lender, some of which have very low loan-to-value, the lender may have an open facility with the borrower, an open line of credit where they can buy properties with 100% loan-to-value.
Lenders in our panel:
- Bank of Ireland
- Bank of Scotland
- BM Solutions 85%
- Bristol and West
- CHL Mortgages
- Chelsea Building Society
- Cheltenham and Gloucester Building Society
- The Derbyshire
- GMAC RFC 80%
- Ipswich Building Society
- Kensington Mortgages
- HSBC
- Kent Reliance
- Leeds Building Society
- Leek United
- Mortgage Express
- Mortgage Trust
- Mortgages PLC
- Paragon
- Precise Mortgages
- Platform
- Preferred Mortgages
- Principality
- Royal Bank of Scotland
- Scarborough Building Society
- Scottish Widows
- Skipton Building Society
- SPML
- Standard Life
- Stroud and Swindon
- The Mortgage Business
- The Mortgage Works
- UCB Home Loans
- West Bromwich
- Woolwich Building Society
- Precise Mortgages Bridge-To-Let Quick Bridging Loans
- Bad Credit Equity Release
- Lloyds Loan Rates
- United Trust Bank Homeowner Loan Rates
- Refurbishment Mortgage
- Auction Bridging Loans
- Yorkshire Bank Fast Bridging Finance
- Secured Loan Direct Lender
- Prestige Debt Consolidation Loans
- Vida 2Nd Mortgages
- Homeowner Loans For Bad Credit
- Masthaven Bridging Finance London
- Santander Fast Bridging Finance
- Yorkshire Building Society Equity Release Mortgage Rates
- Btl Mortgages 85 Ltv
- Nationwide Bridging Finance
- Secured Loan Against House
- Kuflink Bridging Ltd – Gravesend
- Holme Bridging Loans
- Oblix Short Term Loan
- Quivira Short Term Loan
- Rbs Bridging Loan Example
- Octopus Low-Cost Bridging Loans
- 90 Remortgages For Debt Consolidation
- Ortus Northern Ireland Bridging
- Semi Commercial Mortgage Rates
- Coventry Building Society Lifetime Mortgages
- Equity Release Mortgage Under 55
- Equity Release Loan Nationwide
- Self-Employed Mortgages With 12 Months Accounts
- Equifinance: What Does Adverse Credit History Mean
- 6 Times Income Mortgage 2025
Loans Bad Credit No Guarantor Direct Lender
How much can I get?
You can receive 65% of your property’s valuation. For example, if your house is valued at £340000, you can release £221000.