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Non-portfolio landlord products

Landlords with three or less mortgaged properties benefit from cheaper rates and a simplified underwriting process.

Property type

Product type

Maximum LTV

Product range

Is it a new build property?Is it a new build property?YesNo

Is it a product transfer?Is it a product transfer?YesNo

Valuation typeValuation typeAVMPhysical

More than 3 mortgaged BTL propertiesMore than 3 mortgaged BTL propertiesYesNo

Is it a Trading Company?Is it a Trading Company?YesNo

102 products

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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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Our lending criteria View our fees Supporting documents

Company: About us; Careers; Press; Blog

Who We Help: Intermediaries; Borrowers; Institutions

Our BTL products: BTL Products; Premier set; Core set; Specialist set; Product transfers; AVM products; Houses of multiple occupation; Multi-unit freehold blocks; Trading company; First-time landlord HMO & MUFB

Resources: Find your local expert BDM; Affordability calculator; Broker Portal; Contact us; Frequently asked questions; Complaints procedure

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Landbay Partners Limited (“Landbay”), registered office 111 Buckingham Palace Road, London, SW1W 0SR (Company No. 08668507). Landbay is registered with the Office of the Information Commissioner (Reg no. ZA036027). Landbay is registered with the Financial Conduct Authority (Firm Reference No.1007789).

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