Our 1 year fixed products

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Remember to check the product criteria and our general lending criteria before starting a DIP to ensure the applicant is eligible for the product.

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Product Code: LMVDB7526265
Premier 2 Year Tracker (No ERC) 75% LTV 3% Fee
Property type
Standard
Product type
2 Year Tracker
Max LTV
75%
Rate
0.34% + BBR
Reversion rate
3.49% + BBR
Product fee
3%
Min loan
£30k
Max loan
£1M
Stress Rate
6.09%
Product criteria
- All shareholders must be individuals
- Applicants must have at least 75% shareholding
- Borrowers can have up to 15 BTL mortgaged properties in their portfolio at completion. Borrowers with 15 mortgaged properties cannot remortgage to raise capital for another purchase
- Deposits must originate from the UK
- For individual applications, the main provider of income must be the owner occupier of a residential property
- Holiday lets aren't permitted
- Inter-company loan deposits are permitted subject to additional criteria
- Maximum age at end of term is 85
- Maximum LTV for background portfolio is 75%
- No ERCs
- No Limited Liability Partnerships or Holiday Let Companies permitted
- Property must be let on a single Assured Periodic Tenancy, Private Residential Tenancy (Scotland) or Occupation contract (Wales)
- Shareholders with under 25% holding must be immediate family members of the directors
- Trading companies aren't permitted
Calculate
Product Code: LMVDB7526266
Like4like
Premier Like for Like 2 Year Tracker (No ERC) 75% LTV 3% Fee
Property type
Standard
Product type
2 Year Tracker
Max LTV
75%
Rate
0.34% + BBR
Reversion rate
3.49% + BBR
Product fee
3%
Min loan
£30k
Max loan
£1M
Stress Rate
4.50%
Product criteria
- All shareholders must be individuals
- Applicants must have at least 75% shareholding
- Available for remortgages with no extra borrowing
- Borrowers can have up to 15 BTL mortgaged properties in their portfolio at completion. Borrowers with 15 mortgaged properties cannot remortgage to raise capital for another purchase
- Deposits must originate from the UK
- For individual applications, the main provider of income must be the owner occupier of a residential property
- Holiday lets aren't permitted
- Inter-company loan deposits are permitted subject to additional criteria
- Maximum age at end of term is 85
- Maximum LTV for background portfolio is 75%
- No ERCs
- No Limited Liability Partnerships or Holiday Let Companies permitted
- Property must be let on a single Assured Periodic Tenancy, Private Residential Tenancy (Scotland) or Occupation contract (Wales)
- Shareholders with under 25% holding must be immediate family members of the directors
- Trading companies aren't permitted
Calculate
Product Code: LVDB6525702
No ERCs
Core 2 Year Tracker (No ERC) 65% LTV 5% Fee
Property type
Standard
Product type
2 Year Tracker
Max LTV
65%
Rate
0.39% + BBR
Reversion rate
3.49% + BBR
Product fee
5%
Min loan
£30k
Max loan
£1M
Stress Rate
6.14%
Product criteria
- Holiday lets aren't permitted
- No ERCs
- Only properties in England and Wales permitted
- Trading companies aren't permitted
Calculate
Product Code: LVDB7525701
No ERCs
Core 2 Year Tracker (No ERC) 75% LTV 5% Fee
Property type
Standard
Product type
2 Year Tracker
Max LTV
75%
Rate
0.64% + BBR
Reversion rate
3.49% + BBR
Product fee
5%
Min loan
£30k
Max loan
£1M
Stress Rate
6.39%
Product criteria
- Holiday lets aren't permitted
- No ERCs
- Only properties in England and Wales permitted
- Trading companies aren't permitted
Calculate
Product Code: LVDB6525704
No ERCs
Core 2 Year Tracker (No ERC) 65% LTV 3% Fee
Property type
Standard
Product type
2 Year Tracker
Max LTV
65%
Rate
1.44% + BBR
Reversion rate
3.49% + BBR
Product fee
3%
Min loan
£30k
Max loan
£1M
Stress Rate
7.19%
Product criteria
- Holiday lets aren't permitted
- No ERCs
- Only properties in England and Wales permitted
- Trading companies aren't permitted
Calculate
Product Code: LMVDB6526827-PT
Product Transfer
Product Transfer Core 2 Year Tracker (No ERCs) 65% LTV 3% Fee
Property type
Standard
Product type
2 Year Tracker
Max LTV
65%
Rate
1.49% + BBR
Reversion rate
3.49% + BBR
Product fee
3%
Min loan
£30k
Max loan
£1M
Stress Rate
7.24%
Product criteria
- For existing Landbay loans within 90 days of reversion with a clean payment history
- Holiday lets aren't permitted
- No ERCs
- Only properties in England and Wales permitted
- Trading companies aren't permitted
Calculate
Product Code: LMHDB7526553
No ERCs
Specialist Small HMO 2 Year Tracker (No ERC) 75% LTV 3% Fee
Property type
HMO
Product type
2 Year Tracker
Max LTV
75%
Rate
1.69% + BBR
Reversion rate
3.49% + BBR
Product fee
3%
Min loan
£75k
Max loan
£2M
Stress Rate
7.44%
Product criteria
- At least one applicant must have previous landlord experience
- Holiday lets aren't permitted
- No ERCs
- Only properties in England and Wales permitted
- Trading companies aren't permitted
Calculate
Product Code: LMHDB7526558
No ERCs
Specialist Small MUFB 2 Year Tracker (No ERC) 75% LTV 3% Fee
Property type
MUFB
Product type
2 Year Tracker
Max LTV
75%
Rate
1.69% + BBR
Reversion rate
3.49% + BBR
Product fee
3%
Min loan
£75k
Max loan
£1.5M
Stress Rate
7.44%
Product criteria
- At least one applicant must have previous landlord experience
- Holiday lets aren't permitted
- No ERCs
- Only properties in England and Wales permitted
- Trading companies aren't permitted
Calculate
Product Code: LVDB7525703
No ERCs
Core 2 Year Tracker (No ERC) 75% LTV 3% Fee
Property type
Standard
Product type
2 Year Tracker
Max LTV
75%
Rate
1.69% + BBR
Reversion rate
3.49% + BBR
Product fee
3%
Min loan
£30k
Max loan
£1M
Stress Rate
7.44%
Product criteria
- Holiday lets aren't permitted
- No ERCs
- Only properties in England and Wales permitted
- Trading companies aren't permitted
Calculate
Product Code: LMHDB7526830-PT
Product Transfer
Product Transfer Specialist Small HMO 2 Year Tracker (No ERCs) 75% LTV 3% Fee
Property type
HMO
Product type
2 Year Tracker
Max LTV
75%
Rate
1.74% + BBR
Reversion rate
3.49% + BBR
Product fee
3%
Min loan
£75k
Max loan
£1M
Stress Rate
7.49%
Product criteria
- For existing Landbay loans within 90 days of reversion with a clean payment history
- Holiday lets aren't permitted
- No ERCs
- Only properties in England and Wales permitted
- Trading companies aren't permitted
Calculate

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Premier 2 Year Tracker (No ERC) 75% LTV 3% Fee

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Specialist Small HMO 2 Year Tracker (No ERC) 75% LTV 3% Fee

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