"By expanding choice at 75% LTV and reducing rates across the Premier range, we are giving advisers more ways to support landlord clients who want flexibility and strong pricing, and with our like-for-like remortgage-only products, without necessarily having to lock into a longer term"
- Rob Stanton - Landbay
Buy-to-let lender Landbay has expanded its Premier range with new products and rate reductions, effective 19 January 2026. The Premier range is aimed at landlords with portfolios of up to 15 properties, available to both individual and limited company borrowers, and is known for competitive pricing.
Two new 75% LTV two-year fixed-rate products have been introduced:
5.24% with a zero fee
2.74% with a 5% fee
In addition, Landbay has cut rates on its existing Premier 75% LTV two-year fixed products by 0.5%. The revised rates include:
4.74% with a 1% fee
4.24% with a 2% fee
3.74% with a 3% fee
3.24% with a 4% fee
All product transfer options within the Premier range benefit from the same reductions.
Landbay has also lowered the rate on its like-for-like two-year fixed-rate remortgage-only product by 0.5% to 4.24% with a 2% fee. This product is distinct in that its interest coverage ratio (ICR) is stressed at either the pay rate or 4.5%, whichever is higher. Landbay said it is particularly suitable for advisers supporting landlords who do not intend to capital raise but want short-term affordability and flexibility.
Alongside these product updates, Landbay has launched a new video series for advisers called We Get Buy-to-Let. The first episode, available on the Landbay LinkedIn page, focuses on affordability, the remortgage market, and ways advisers can help landlord clients maximise borrowing without losing flexibility.
“These product additions to Premier, alongside the rate cuts, reflect where the buy-to-let market is right now,” said Rob Stanton, sales and distribution director at Landbay (pictured).
“Many landlords are coming to the end of deals, or seeking to purchase, and want better value without added complexity, while advisers will be focused on securing competitive pricing in an environment far different to just a couple of years ago."
“By expanding choice at 75% LTV and reducing rates across the Premier range, we are giving advisers more ways to support landlord clients who want flexibility and strong pricing, and with our like-for-like remortgage-only products, without necessarily having to lock into a longer term."
He added, “Premier is designed to be straightforward, with clear criteria and keen pricing that works for both individual and limited company landlords with portfolios up to 15 properties. Extending the same reductions to product transfers is also important, as it helps advisers retain clients and deliver good outcomes at refinance."
"Our PT process only happens with the involvement of the adviser, and we are here to support advisers in what is lining up to be a very busy year in the buy-to-let market.”
