Buy to Let Remortgage 5 year fixed

Published 11 April 2014 · Last reviewed 1 May 2026

Abbey for Intermediaries Buy to Let Remortgage 5 year fixed rate at 4.34% fantastic for landlords looking to fix now.

Avid followers of my blogs will appreciate I don’t tend to comment on lender’s latest mortgage rates as they are constantly changing, and by the time you get the message out – they could be on the move again. That said every now and again such a competitive buy-to-let mortgage rate comes up I cannot resist in sharing the good news, and as a landlord myself; I would certainly hang my hat on this gem. The Buy to Let Re mortgage 5 year fixed mortgage product ticks all the boxes so I thought I would give you a little bit more information around it.

With interest rates likely to rise within a month of the election in May 2015 irrespective of the party that comes to power now is the ideal time to lock in.

This great buy-to-let mortgage follows on the back of recent news that Abbey for Intermediaries now accepts self-employed borrowers and have expanded their portfolio limits.

Buy to Let Remortgage 5 year fixed

Lender: Abbey for Intermediaries
Rate: 4.34% (APR 4.8%*)
Fixed until 2/7/2019
Completion fee £1,499
Free valuation
£250 cashback towards your legal costs
Minimum equity 25%
Minimum property value £75,000

*Based on an interest only mortgage of £175,000.

Eligibility / Criteria

Open to employed or self employed applicants
Minimum earned income £25,000 (£50,000 if you have 5 or more secured credit commitements)
Rental coverage must by at least 125% of the mortgage payments
Maximum of 5 properties with Abbey for Intermediaries (each must have at least 25% equity)
Maximum of 7 properties in total
Maximum age 75 at the end of the term
Student lets on one AST considered
Raising additional money for home improvements is allowed
Must have permanent rights to remain in the UK
Perfect credit record

Payam Azadi is a partner at Niche Advice Ltd who are Independent Financial and Mortgage Advisers in London.

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Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. A small number of buy-to-let mortgages are FCA-regulated — typically Consumer Buy-to-Let (where the borrower is not acting in the course of a business, such as an accidental landlord who has inherited or moved out of a former main residence) and Family Buy-to-Let (where the property is let to an immediate family member). Limited-company buy-to-let, portfolio buy-to-let and standard personal-name buy-to-let are not regulated by the FCA.

Where the underlying mortgage is not FCA-regulated, the lender's conduct on that loan is not covered by FCA rules and you may have reduced access to the Financial Ombudsman Service for complaints about the lending decision or product terms. However, Niche Advice Limited is a Credit Broker authorised and regulated by the Financial Conduct Authority (FCA No: 750263), and our broking activity — including the introduction we make to the lender — IS FCA-regulated under the FCA's CONC rules. Complaints about our broking service can therefore be referred to the Financial Ombudsman Service in the usual way.