Landbay cuts buy-to-let rates by up to 0.35%, with rates from 3.44%

11 August 2026

Buy-to-let lender Landbay has today (11th August 2026) announced a series of rate cuts of up to 0.35% across its Premier, Core and Specialist buy-to-let ranges, with rates now starting from 3.44%.

In addition, Landbay has launched eight new Specialist products, expanding its 65% LTV offering within the Small HMO and MUFB ranges, while expanding its Tier 2 criteria to provide greater flexibility for landlords with minor credit blips.

Premier is a range of standard and HMO products for borrowers with up to 15 mortgaged properties. Available to both individual and limited company landlords, it offers some of Landbay's most competitive rates.

The Core range is available on standard properties for individuals, limited companies and LLPs. It supports landlords with portfolios of any size and includes AVM options.

Specialist products cover holiday lets, HMOs, MUFBs and trading companies.

Highlights of these rate changes include:

Premier

2-year fixed 75% LTV products, including Product Transfer and AVM ranges, reduced by 0.15% across 15 products, with rates from 3.44%.
5-year fixed 75% LTV products, including Product Transfer and Remortgage ranges, reduced by 0.05% across 19 products, with rates from 4.69%.
Small HMO 2- and 5-year fixed products, including Product Transfer options, reduced by up to 0.15% across nine products, with rates from 4.69%.
Assisted Legals 5-year fixed products reduced by 0.07% across 10 products, with rates from 5.67%.

Core

2- and 5-year fixed products, including Tier 2 and Product Transfer ranges, reduced by up to 0.35%, with 2-year fixed rates from 4.29% and 5-year fixed rates from 5.04%.
Tier 2 criteria expanded to provide greater flexibility for landlords with minor credit blips.

Specialist

Small HMO and MUFB products, including First Time Landlord and Product Transfer ranges, reduced by up to 0.35%, with 2-year fixed rates from 4.64% and 5-year fixed rates from 5.69%.
Holiday Let products reduced by up to 0.25%, with 2-year fixed rates from 4.69% and 5-year fixed rates from 5.79%.
Trading Company products, including Product Transfer options, reduced by up to 0.15%, with 2-year fixed rates from 4.79% and 5-year fixed rates from 5.84%.
Eight new 65% LTV Small HMO and MUFB products launched, including Product Transfer options.

For details on Landbay’s full buy-to-let product range, please visit: https://landbay.co.uk/intermediaries/products-and-btl-calculator/

Rob Stanton, Sales and Distribution Director at Landbay, said:

"While market conditions remain volatile, we're committed to reacting quickly when opportunities arise to improve pricing, helping brokers access lower rates across our Premier, Core and Specialist ranges alongside an expanding product offering.

"These latest reductions, together with the launch of new 65% LTV products and the expansion of our Tier 2 criteria, give brokers even more options to support landlords with a wide range of borrowing requirements.

"We know advisers need a combination of competitive pricing, product choice and certainty of service. That's why we're continuing to invest across our range, helping brokers place both straightforward and more specialist buy-to-let cases with confidence."