Landbay announces rate cuts to limited edition and product transfer ranges

15 April 2025

Buy-to-let lender Landbay has announced its latest round of reductions, with rates cut by as much as 0.10% across its limited edition and product transfer ranges.

Cuts to the limited edition range means rates now start at 4.39% for a standard five-year fixed rate at up to 70% loan-to-value (LTV). The range includes no less than eight products with options for those remortgaging and for new purchases. In addition, the range offers AVM-supported products for greater cost savings and efficiencies, as well as products for small HMO and MUFBs.

For landlords looking to refinance efficiently, Landbay has also lowered rates on its new product transfer offering, with a 0.10% cut on its five-year fixed rate products. These now start at 4.44% and are available at up to 75% LTV. Meanwhile, small HMO/MUFB products in the PT range have been cut by 0.05% and now start at 4.94%.

The new product transfer range launched earlier this year to bring new efficiencies and greater choice to brokers and landlords looking to refinance. Since launch, the range has proven popular with its competitive rates, digital application process and option for automated valuations.

The new rates announced by Landbay are now live with all products benefitting from the lender’s variable fee structure for enhanced affordability. Intermediaries can view and compare all products using Landbay’s buy-to-let affordability calculator.

Leading products:

Limited Edition Standard 5 Year Fixed 70% LTV @4.39% 6% Fee
Limited Edition Standard 5 Year Fixed 75% LTV @5.19% 2% Fee
Limited Edition Small HMO/MUFB 5 Year Fixed 75% LTV @4.89% 5% Fee
Limited Edition Small HMO/MUFB 5 Year Fixed 75% LTV @5.49% 2% Fee
Product Transfer Standard 5 Year Fixed 70% LTV @4.44% 6% Fee
Product Transfer Standard 5 Year Fixed 75% LTV @5.24% 2% Fee
Product Transfer Small HMO/MUFB 5 Year Fixed 75% LTV @4.94% 5% Fee
Product Transfer Small HMO/MUFB 5 Year Fixed 75% LTV @5.54% 2% Fee

Rob Stanton, sales and distribution director at Landbay, said:

“As ever, we remain agile in the current market and respond to opportunities to cut rates and ensure our product range is competitive as possible. We continue to demonstrate that we’re not shy of passing on reductions at the earliest opportunity in what is our sixth round of reductions already this year.

“Given how popular our new product transfer range has proven to be, it’s fantastic to be able to bring forward further reductions – including to valuable HMO/MUFB options in the range. Product choice, speed and agility have to be key hallmarks of a lender in the current market – particularly in the buy-to-let sector. Fortunately, our tech-first approach and broad funding model allows us to achieve this.”

For more information, please visit www.landbay.co.uk or call 020 7096 2700.