Loyalty remortgage

These loyalty remortgage products are available to Landbay borrowers looking to remortgage their existing property with Landbay. Products in this new range include standard property, small and large HMOs and MUFBs, and trading companies.

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
6.39%
Product criteria
- No ERCs
- Newbuilds 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
6.64%
Product criteria
- No ERCs
- Newbuilds 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
7.44%
Product criteria
- No ERCs
- Newbuilds permitted
Calculate
Product Code: LHDB7525692
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
£1M
Stress Rate
7.69%
Product criteria
- No ERCs
- At least one applicant must have previous landlord experience
- Newbuilds permitted
Calculate
Product Code: LHDB7525697
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
£1M
Stress Rate
7.69%
Product criteria
- No ERCs
- At least one applicant must have previous landlord experience
- Newbuilds 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
7.69%
Product criteria
- No ERCs
- Newbuilds permitted
Calculate
Product Code: LVFB7525722
Premier 2 Year Fixed 75% LTV 4% Fee
Property type
Standard
Product type
2 Year Fixed
Max LTV
75%
Rate
3.49%
Reversion rate
3.49% + BBR
Product fee
4%
Min loan
£30k
Max loan
£2M
Stress Rate
5.50%
Product criteria
- ERCs: 2%, 2%
- All shareholders must be individuals
- Applicants must have at least 75% shareholding
- Borrowers can have up to 15 BTL properties in their portfolio at time of underwrite
- Deposits must originate from the UK
- Inter-company loan deposits are permitted subject to additional criteria
- Maximum age at end of term is 85
- Maximum LTV for the background portfolio is 75%
- Only SPV Limited Company applications permitted on this product
- Property must be let on a single Assured Shorthold Tenancy
- Shareholders with under 25% holding must be immediate family members of the directors
- Newbuilds permitted
Calculate
Product Code: LVFB7525630
AVM
Core AVM 2 Year Fixed 75% LTV 5% Fee
Property type
Standard
Product type
2 Year Fixed
Max LTV
75%
Rate
3.74%
Reversion rate
3.49% + BBR
Product fee
5%
Min loan
£30k
Max loan
£562.5k
Stress Rate
5.74%
Product criteria
- ERCs: 2%, 2%
- Lease must have at least 85 years remaining at completion
- Maximum property value is £750,000
- Minimum ICR is 130% for companies and basic rate taxpayers, 140% for higher rate taxpayers
- Must have a successful automated valuation outcome
- No new builds allowed
- No properties in buildings with over 6 floors
- No self build properties
- Property match found using address lookup
- Property must be owned for 6 months before remortgaging
- No Newbuilds
Calculate
Product Code: LVFB7525674-PT
Product Transfer
Product Transfer Core 2 Year Fixed 75% LTV 5% Fee
Property type
Standard
Product type
2 Year Fixed
Max LTV
75%
Rate
3.79%
Reversion rate
3.49% + BBR
Product fee
5%
Min loan
£30k
Max loan
£1M
Stress Rate
5.79%
Product criteria
- ERCs: 2%, 2%
- For existing Landbay loans within 90 days of reversion with a clean payment history
- Newbuilds permitted
Calculate
Product Code: LVFB7525698
Core 2 Year Fixed 75% LTV 5% Fee
Property type
Standard
Product type
2 Year Fixed
Max LTV
75%
Rate
3.79%
Reversion rate
3.49% + BBR
Product fee
5%
Min loan
£30k
Max loan
£1M
Stress Rate
5.79%
Product criteria
- ERCs: 2%, 2%
- Newbuilds permitted
Calculate

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Loyalty remortgage

Core 2 Year Tracker (No ERC) 65% LTV 5% Fee

Product criteria

Core 2 Year Tracker (No ERC) 75% LTV 5% Fee

Product criteria

Core 2 Year Tracker (No ERC) 65% LTV 3% Fee

Product criteria

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

Product criteria

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

Product criteria

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

Product criteria

Premier 2 Year Fixed 75% LTV 4% Fee

Product criteria

Core AVM 2 Year Fixed 75% LTV 5% Fee

Product criteria

Product Transfer Core 2 Year Fixed 75% LTV 5% Fee

Product criteria

Core 2 Year Fixed 75% LTV 5% Fee

Product criteria

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