Saffron cuts rates across buy-to-let range, including expat and limited company mortgages

12 November 2026

Reductions of 0.20 percentage points also extend to self-employed borrowers and first-time buyers at 95% LTV

Thursday 12th November 2026

• Five-year buy-to-let fixes cut by 0.20 percentage points across standard, limited company and expat ranges, with flat arrangement fees on all these products
  
  
• Self-employed fixes up to 90% LTV and first-time buyer fixes at 95% LTV also reduced by 0.20 percentage points

Saffron for Intermediaries has reduced selected fixed mortgage rates by 0.20 percentage points, including five-year fixes for expat landlords borrowing personally or through a limited company.

Effective today, the changes also cover standard and limited company buy-to-let mortgages, all self-employed fixed rates and first-time buyer fixes at 95% loan-to-value (LTV).

Across both the expat buy-to-let and expat limited company buy-to-let ranges, five-year fixes have reduced to 6.07% at 55% LTV and 6.17% at 75% LTV. All four products carry a flat £2,500 arrangement fee.

For UK-based landlords, limited company buy-to-let five-year fixes are now available at 5.97% up to 70% LTV and 6.07% up to 75% LTV, both with a £2,500 arrangement fee. The standard buy-to-let five-year fix at 75% LTV has reduced to 6.07%, with a £1,999 arrangement fee.

Saffron has also reduced all two- and five-year fixed rates in its self-employed range, with rates now starting at 6.07% and 5.97% respectively, both at 80% LTV. The range extends to 90% LTV and carries a £999 arrangement fee.

First-time buyers with a 5% deposit can now access a two-year fix at 6.77% or a five-year fix at 6.37%. Both products come with no arrangement fee and include a free valuation.

Tony Hall, head of business development at Saffron for Intermediaries, said:

“The Budget has given landlords another reason to review their costs and investment plans, so these rate reductions come at a useful time. Brokers tell us their clients love the certainty of our flat arrangement fees. On larger loans in particular, a flat fee can make a substantial difference compared with a fee calculated as a percentage of the borrowing.

“These cuts also reach borrowers who can benefit from a more individual approach, whether that’s a self-employed applicant with fluctuating earnings or an expat landlord arranging finance from overseas. For brokers, the benefit is being able to offer lower rates alongside an individual assessment, with a team they can talk to about the details that could make a difference to the application.”