Buy-to-let specialist lender, Fleet Mortgages, has announced that it has launched a new set of 65% LTV mortgage products and reduced rates on two-year fixed 75% LTV products across its Standard, Limited Company, and HMO/MUFB ranges. The changes, announced today (30th January 2026), aim to offer landlords with significant equity more competitive pricing and flexibility.
The new 65% LTV products include:
Standard and Limited Company: five-year fixed at 4.89% with a £1,499 fee, including a free valuation up to £500k.
Limited Company: two-year fixed rates at 4.74% (£1,499 fee) and 5.19% (zero fee).
HMO/MUFB: five-year fixed at 4.89% (3% fee) and two-year fixed at 5.49% (no fee), both with £1,000 cashback.
In addition, Fleet Mortgages has cut rates across its two-year fixed products:
Standard and Limited Company: 10bps reduction, with pricing now from 3.69% (3% fee).
HMO/MUFB: 25bps reduction, with rates now starting at 3.99% (3% fee).
Steve Cox, chief commercial officer at Fleet Mortgages, said, “Landlords with strong levels of equity are often very focused on price, and this new 65% LTV range is designed with that in mind. It gives borrowers access to lower rates, clear fee choices and products that work across Standard, Limited Company and HMO or MUFB cases."
“We know many portfolio landlords are actively reviewing their borrowing this year, either to refinance or to support further purchases, and these products are aimed squarely at that audience."
He added, “At the same time, we wanted to improve value for landlords operating at 75% LTV, which remains a key level for both purchases and remortgages. Cutting rates by up to 25 basis points across these two-year products helps advisers support clients who may not have deeper equity, but who still want competitive pricing and consistent criteria."
“This is about giving advisers more options and keeping Fleet well placed in a market where cost, flexibility and certainty all matter.”
