Buy to Let Mortgage without early repayment charges

Published 21 December 2014 · Last reviewed 1 May 2026

Godiva Buy to Let Mortgage without early repayment charges and free valuation from 2.55%

The Godiva Buy to Let Mortgage without early repayment charges product is very attract to buy to let landlords as it provides them with the flexibility at a later stage to remortgage to release equity when the property value rises or to sell quickly if the opportunity presents itself. The product also appeals to clients who want to pay down their debt or take payment holidays when the property is in a period of being un-tenanted.

APR The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Features: Variable rate for the duration of the loan. Payment holiday options
Minimum deposit / equity: 35%
Valuation fee: FREE
Other main lender fees: Arrangement fee £1,749
Early repayment charges: None

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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.