Market Harborough cuts fixed rates for BTL and residential mortgages

BTL tier one cases up to 75% LTV now start at 5.39% fixed and 5.46% variable.

Related topics:  BTL,  Market Harborough
Property | Reporter
20th January 2026
To Let 925

Market Harborough Building Society has announced that it has lowered rates across its fixed-rate mortgage range, including solutions for buy-to-let investors, as well as residential borrowers, expats, and high-net-worth clients.

The reductions, announced today, aim to strengthen support for brokers and their clients at the start of the year.

Rates across the Society’s fixed mortgages have fallen as follows:

Two-year fixed rates – down 0.12%

Three-year fixed rates – down 0.13%

Five-year fixed rates – down 0.07%

The reductions include tier one BTL cases up to 75% loan-to-value (LTV), covering top-slicing and lending into retirement as standard. Following the changes, let mortgage rates start from 5.39% fixed and 5.46% variable. Residential tier one cases up to 75% LTV now start from 4.98% fixed and 5.05% variable, with a £1,495 product fee.

Iain Smith, head of mortgage distribution at Market Harborough, said, "Supporting brokers with competitive, well‑structured products remains central to our strategy. These latest reductions reflect our ongoing commitment to providing brokers with solutions that meet the needs of a wide range of client profiles, including those with more complex circumstances – and are backed by our award‑winning service."

The lender confirmed that further enhancements are planned over the coming months as part of its ongoing drive to make specialist lending easier and more accessible for brokers and clients.

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