Landbay reduces five-year fixed rates across Premier product range
20 October 2025
Buy-to-let lender Landbay has announced rate reductions across its five-year fixed rate Premier products, with rates now starting at 4.09%.
The biggest reduction is to the Premier five-year fixed rate products available at up to 75% loan-to-value (LTV) – with all four products cut by 0.15%.
The free valuation remortgage products in the Premier range have also seen reductions of 0.13%, with rates now starting at 4.14% at up to 75% LTV. Product transfer options, including those offering free valuations have been cut by as much as 0.14%.
Launched last month, the Premier range is designed for landlords with up to 15 properties in limited company SPVs. The product range benefits from Landbay’s variable fee structure for enhanced affordability.
The news of rate reductions follows the launch last week of two new like-for-like products in the Premier range. The first is a two-year fixed rate remortgage at 4.49% and up to 75% LTV, and the second is a product transfer option, also a two-year fixed rate with a maximum 75% LTV at 4.54%.
Intermediaries can view and compare all products using Landbay’s buy-to-let affordability calculator.
Product highlights:
- Premier 5 Year Fixed 75% LTV 5% Fee @4.09%
- Premier 5 Year Fixed 75% LTV 1% Fee @4.89%
- Premier Remortgage Free Val 5 Year Fixed 75% LTV 5% Fee @4.14%
- Premier Remortgage Free Val 5 Year Fixed 75% LTV 1% Fee @4.94%
- Product Transfer Premier 5 Year Fixed 75% LTV 5% Fee @4.15%
- Product Transfer Premier 5 Year Fixed 75% LTV 2% Fee @4.75%
Rob Stanton, sales and distribution director at Landbay said:
“Following the launch of new Premier products last week, it is great to be able to announce rate reductions across our Premier range of five-year fixed products. This range serves a critical part of the market and provides valuable options to those looking to expand and scale, as well those in the process of refinancing. Our data tells us that five-year options remain the preferred choice of landlords, so it’s important that we not only meet this demand, but ensure our rates are as competitive as possible.
“Across our Premier, Core and Specialist product lines, we remain committed to providing options to help our intermediary partners support landlords of all sizes and setups. Achieving this requires the right combination of innovation and agility to identify gaps in the market for new products and opportunities to tweak and improve the rates we offer. On both counts, our tech-first approach to lending enables us to act quickly as soon as the opportunity presents itself.”
Alongside Premier products, Landbay’s Core set offers lending solutions for portfolio landlords including options for limited company structures as well as access to Landbay’s AVM products. The Specialist set offers extra flexibility for more specialised properties – including holiday lets, HMOs, MUFBs and trading companies. All product lines offer corresponding PT options.
