Buy-to-let lender Landbay announced today (10 February 2026) the launch of two new two-year tracker products and two zero fee, five-year fixed-rate options within its Premier range.
The Premier range caters to landlords with up to 15 properties and is open to both individual and limited company borrowers. It includes some of Landbay’s most competitive rates.
The two new Premier trackers are available up to 75% LTV with no early repayment charges. One is a two-year tracker for both purchases and remortgages, while the other is a like-for-like tracker for remortgages only. Both are priced at Bank Base Rate (BBR) plus 0.34%, currently 4.09%, with 3% fees.
Landbay noted that these trackers may appeal to landlords who expect further BBR cuts over the next year or two. At last week’s Monetary Policy Committee (MPC) meeting, members voted 5-4 to maintain BBR at 3.75%.
The lender is also introducing two new zero-fees, five-year fixed-rate products up to 75% LTV. One offers a 5.09% rate for both purchases and remortgages, while the other, for remortgages only, is priced at 5.14% and includes a free valuation.
These launches follow a series of product additions last month, including a partnership with digital conveyancing firm Conveyd, which introduced remortgage products featuring assisted legals and free valuations.
Rob Stanton, sales and distribution director at Landbay (pictured), said, “The markets appear to be pricing in two, possibly three, further BBR cuts over the next year, but in many cases that expectation is already built into fixed-rate pricing. Our new two-year trackers are therefore designed for landlords who want to see the full benefit of any base rate cuts if or when they happen. With no early repayment charges, they also give advisers and their clients flexibility to move to a fix if the rate outlook changes."
“Alongside this, we are adding two new zero fee, five-year fixes for landlords who prefer longer-term certainty without the cost of upfront product fees. For many remortgage clients, removing fees can materially improve cash flow from the outset. These launches reinforce our focus on giving advisers straightforward options and landlord borrower solutions within the Premier range, now across both tracker and fixed rates, ensuring they are aligned to how landlords are approaching borrowing decisions in the current market.”
