Residential Mortgage Rates (BTL only)
CHL Mortgages does not offer residential mortgages. See the Buy-to-Let section below.
Buy-to-Let Mortgage Rates
| Product | 60% LTV | 75% LTV |
|---|---|---|
| 2-Year Fixed BTL | 4.69% | 4.99% |
| 5-Year Fixed BTL | 4.59%Best | 4.89% |
Product Transfer Rates
| Product Transfer Type | Indicative Rate | Cashback via DBF |
|---|---|---|
| 2-Year Fixed Product Transfer | 4.54% | Cashback available |
| 5-Year Fixed Product Transfer | 4.44% | Cashback available |
About CHL Mortgages
CHL Mortgages is a specialist buy-to-let lender with a long track record in the professional landlord market. They operate exclusively through mortgage intermediaries and focus entirely on buy-to-let lending, covering standard single-unit BTL, HMOs, multi-unit blocks and limited company applications. CHL is known for competitive pricing in the specialist BTL tier and flexible underwriting for experienced landlords.
CHL Mortgages suits portfolio landlords and experienced investors who may not meet the criteria of high-street BTL lenders. Their manual underwriting approach allows them to consider complex income structures, properties above commercial premises, and non-standard tenancy arrangements. DBF regularly places BTL cases with CHL where mainstream lenders' automated systems fall short.