UTB Mortgages Cuts 2-Year Buy-to-Let rates by up to 50bps as it Continues to Strengthen Landlord Proposition
01 September 2026
United Trust Bank has reduced rates across its Standard and Specialist Buy-to-Let ranges by up to 50 basis points on 2-year fixed products.
The new rates start from just 3.89% and are available immediately. The reductions follow a series of recent criteria enhancements designed to give brokers greater flexibility and make it easier and quicker to place and progress BTL cases with UTB.
New rates include:
- Standard BTL – two-year fixed rates from 3.89%
- Specialist BTL – HMO & MUFB – two-year fixed rates from 4.04%
- Standard five-year fixed rates remain available from 5.69%
- Specialist HMO & MUFB five-year fixed rates remain available from 5.99%
The latest price drops follow several enhancements to UTB’s BTL lending criteria. These include removing the minimum property ownership period requirement for BTL and, for eligible HMO and MUFB applications, removing the requirement for previous landlord experience.
UTB has also increased maximum exposure for portfolio landlords to 10 BTL loans and £3m per applicant, further increasing the options available to professional landlords looking to grow and manage their portfolios.
More information can be found in the BTL Product Guides HERE
Gene Clohessy, Director – BTL & Bridging at United Trust Bank, commented:
"We're building real momentum in Buy-to-Let and these rate reductions are another important step in making UTB an even stronger option for brokers and their landlord customers.
"Price is important, but brokers also need lenders with sensible criteria, experienced and knowledgeable people and the appetite to understand a case. We've already removed a number of unnecessary barriers, increased our portfolio exposure limits and created more flexibility around HMOs and MUFBs. Combining those changes with two-year fixed rates starting from 3.89% makes our proposition even more compelling.”
