Residential Mortgage Rates (BTL only)
Landbay 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 | 4.49% | 4.79% |
| 5-Year Fixed BTL | 4.39%Best | 4.69% |
Product Transfer Rates
| Product Transfer Type | Indicative Rate | Cashback via DBF |
|---|---|---|
| 2-Year Fixed Product Transfer | 4.34% | Cashback available |
| 5-Year Fixed Product Transfer | 4.24% | Cashback available |
About Landbay
Landbay is a specialist buy-to-let lender that has established itself as one of the most technology-forward lenders in the BTL market. Their platform-driven approach means applications process quickly, and their pricing is competitive for standard and HMO BTL cases. Landbay operates exclusively through mortgage intermediaries and does not offer residential products.
Landbay is well suited to landlords and property investors seeking a modern BTL lending experience with fast decisioning. Their product range covers standard BTL, HMOs and limited company applications, with sensible rental income coverage requirements. Their technology platform integrates well with broker sourcing systems, making them efficient to place. DBF uses Landbay for straightforward and slightly complex BTL cases where speed and competitive pricing matter.