Fleet Mortgages cuts rates across two- and five-year fixed-rate 75% LTV products

17 June 2026

Fleet Mortgages, the buy-to-let specialist lender, has today (17th June 2026) announced rate cuts across a number of its two- and five-year 75% LTV fixed-rate products, including EPC A-C options.

Available from today, the lender has reduced rates by 20 basis points (bps) on its two-year, fixed-rate HMO/MUFB products, with a 3% fee. These include a drop from 4.79% to 4.59% for the non-EPC A-C variant, and a drop from 4.69% to 4.49% for the EPC A-C product.

All EPC A-C products are offered to borrowers who are either purchasing or remortgaging a property which has already reached an A-C level for its Energy Performance Certificate.

Fleet Mortgages has also cut rates by 10bps on all its five-year fixed-rate products, available up to 75% LTV, including its EPC A-C variants.

For standard and limited company borrowers, rates have been cut from 5.14% to 5.04%, and 5.04% to 4.94% for the EPC A-C products. For HMO/MUFB products, rates have been cut from 5.39% to 5.29%, and 5.29% to 5.19% for the EPC A-C product. All five-year fixes also come with a 3% fee, with a minimum of £750.

For further information on all Fleet Mortgages’ products, please visit: www.fleetmortgages.co.uk/products/

Steve Cox, Chief Commercial Officer at Fleet Mortgages, commented:

“These latest reductions reflect the improved funding environment we have seen recently and, as a result, our focus on ensuring advisers and their landlord borrower clients continue to have access to competitively-priced buy-to-let mortgage options across a range of property types and borrower circumstances.

"While market conditions remain capable of changing quickly, there has been a greater degree of stability compared to earlier in the year, allowing us to make further positive pricing changes. By reducing rates across our five-year range and making larger reductions on our two-year HMO/MUFB products, we are providing landlords with additional choice at a time when many continue to assess both refinancing opportunities and future portfolio plans.

"We have also extended end-dates on selected two-year products in order to give advisers more time and greater certainty when placing cases. In a market which can still move quickly, this can make a meaningful difference to both advisers and their clients."