Buy to let current rates

These are our current fixed rate buy to let mortgages available today. There'll only be certain deals which fit your mortgage amount and your loan to value band.

After the fixed period, all of our mortgages revert to the Lloyds Buy to Let Variable Rate of currently 9.59%, for the remainder of the term. Product fees can be paid up-front or added to your mortgage.

New buy to let mortgages
Buy to let remortgages


Switching to a new deal or Borrowing more - Buy to Let mortgages

Whether your current Lloyds mortgage is coming to an end or you want to borrow more, here’s the quickest way to find a new deal for both Club and Non-Club Lloyds customers.

We’ll show you all the deals that are available to you. If you’d like some help, our expert advisers are always ready to support you.

Switch to a new deal  Borrow more 

You could lose your property if you don’t keep up your mortgage repayments

New Buy to Let

Club Lloyds or Non-Club Lloyds

Term

Initial rate

Changes to the variable rate from

The overall cost for comparison is

Product fee

Loan to value (LTV)

Early Repayment Charges (ERCs)

Max loan

Club Lloyds or Non-Club Lloyds

Club Lloyds

Term

2 years

Initial rate

4.98%

Changes to the variable rate from

31/05/2026

The overall cost for comparison is

9.2% APRC

Product fee

£0

Loan to value (LTV)

0-70%

Early Repayment Charges (ERCs)

Up to 2% to 31/05/2026

Max loan

£1m

Club Lloyds or Non-Club Lloyds

Club Lloyds

Term

5 years

Initial rate

4.28%

Changes to the variable rate from

31/05/2029

The overall cost for comparison is

8% APRC

Product fee

£0

Loan to value (LTV)

0-70%

Early Repayment Charges (ERCs)

Up to 5% to 31/05/2029

Max loan

£1m

Club Lloyds or Non-Club Lloyds

Non-Club Lloyds

Term

2 years

Initial rate

5.18%

Changes to the variable rate from

31/05/2026

The overall cost for comparison is

9.2% APRC

Product fee

£0

Loan to value (LTV)

0-70%

Early Repayment Charges (ERCs)

Up to 2% to 31/05/2026

Max loan

£1m

Club Lloyds or Non-Club Lloyds

Non-Club Lloyds

Term

5 years

Initial rate

4.48%

Changes to the variable rate from

31/05/2029

The overall cost for comparison is

8.1% APRC

Product fee

£0

Loan to value (LTV)

0-70%

Early Repayment Charges (ERCs)

Up to 5% to 31/05/2029

Max loan

£1m

Remortgaging

Club Lloyds or Non-Club Lloyds

Term

Initial rate

Changes to the variable rate from

The overall cost for comparison is

Product fee

Loan to value (LTV)

Early Repayment Charges (ERCs)

Max loan

Club Lloyds or Non-Club Lloyds

Club Lloyds

Term

2 years

Initial rate

5.07%

Changes to the variable rate from

31/05/2026

The overall cost for comparison is

9.2% APRC

Product fee

£0

Loan to value (LTV)

0-70%

Early Repayment Charges (ERCs)

Up to 2% to 31/05/2026

Max loan

£1m

Club Lloyds or Non-Club Lloyds

Club Lloyds

Term

5 years

Initial rate

4.40%

Changes to the variable rate from

31/05/2029

The overall cost for comparison is

8% APRC

Product fee

£0

Loan to value (LTV)

0-70%

Early Repayment Charges (ERCs)

Up to 5% to 31/05/2029

Max loan

£1m

Club Lloyds or Non-Club Lloyds

Non-Club Lloyds

Term

2 years

Initial rate

5.27%

Changes to the variable rate from

31/05/2026

The overall cost for comparison is

9.2% APRC

Product fee

£0

Loan to value (LTV)

0-70%

Early Repayment Charges (ERCs)

Up to 2% to 31/05/2026

Max loan

£1m

Club Lloyds or Non-Club Lloyds

Non-Club Lloyds

Term

5 years

Initial rate

4.60%

Changes to the variable rate from

31/05/2029

The overall cost for comparison is

8.1% APRC

Product fee

£0

Loan to value (LTV)

0-70%

Early Repayment Charges (ERCs)

Up to 5% to 31/05/2029

Max loan

£1m

Our rates are only guaranteed for applications made today. We reserve the right to change our product range at any time.

Our mortgage advisers can only give you information about our range of Buy to Let mortgages, they will not be able to offer any advice.

Buy to Let mortgages are available for up to 70% of the property’s value.