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
- 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
6.64%
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
7.44%
Product criteria
- Holiday lets aren't permitted
- No ERCs
- Only properties in England and Wales permitted
- Trading companies aren't permitted
Calculate
Product Code: 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
- 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: 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
- 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
7.69%
Product criteria
- Holiday lets aren't permitted
- No ERCs
- Only properties in England and Wales permitted
- Trading companies aren't permitted
Calculate
Product Code: LVFB7525898
Premier 2 Year Fixed 75% LTV 4% Fee
Property type
Standard
Product type
2 Year Fixed
Max LTV
75%
Rate
3.29%
Reversion rate
3.49% + BBR
Product fee
4%
Min loan
£30k
Max loan
£2M
Stress Rate
5.50%
Product criteria
- All shareholders must be individuals
- Applicants must have at least 75% shareholding
- Borrowers can have up to 15 BTL properties in their portfolio at completion. Borrowers with 15 properties cannot remortgage to raise capital for another purchase
- Deposits must originate from the UK
- ERCs: 2%, 2%
- For individual applications, the main provider of income must be the owner 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 Limited Liability Partnerships or Holiday Let Companies permitted
- Only properties in England and Wales permitted
- Property must be let on a single Assured Shorthold Tenancy
- Shareholders with under 25% holding must be immediate family members of the directors
- Trading companies aren't permitted
Calculate
Product Code: LHFB7525815
Specialist Small MUFB 2 Year Fixed 75% LTV 5% Fee
Property type
MUFB
Product type
2 Year Fixed
Max LTV
75%
Rate
3.69%
Reversion rate
3.49% + BBR
Product fee
5%
Min loan
£75k
Max loan
£1M
Stress Rate
5.69%
Product criteria
- At least one applicant must have previous landlord experience
- ERCs: 2%, 2%
- Holiday lets aren't permitted
- Only properties in England and Wales permitted
- Trading companies aren't permitted
Calculate
Product Code: LHFB7525826
Specialist Small HMO 2 Year Fixed 75% LTV 5% Fee
Property type
HMO
Product type
2 Year Fixed
Max LTV
75%
Rate
3.69%
Reversion rate
3.49% + BBR
Product fee
5%
Min loan
£75k
Max loan
£1M
Stress Rate
5.69%
Product criteria
- At least one applicant must have previous landlord experience
- ERCs: 2%, 2%
- Holiday lets aren't permitted
- Only properties in England and Wales permitted
- Trading companies aren't permitted
Calculate
Product Code: LVFB7525791
Core 2 Year Fixed 75% LTV 5% Fee
Property type
Standard
Product type
2 Year Fixed
Max LTV
75%
Rate
3.69%
Reversion rate
3.49% + BBR
Product fee
5%
Min loan
£30k
Max loan
£1M
Stress Rate
5.69%
Product criteria
- ERCs: 2%, 2%
- Holiday lets aren't permitted
- Only properties in England and Wales permitted
- Trading companies aren't 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

Specialist Small MUFB 2 Year Fixed 75% LTV 5% Fee

Product criteria

Specialist Small HMO 2 Year Fixed 75% LTV 5% Fee

Product criteria

Core 2 Year Fixed 75% LTV 5% Fee

Product criteria

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