The Mortgage Lender has announced that it has cut five selected five-year fixed rate standard buy-to-let products by 5 basis points from today, Thursday, 5th of February 2026.
The timing coincides with a critical moment for the mortgage market. UK Finance forecasts approximately 1.8 million fixed-rate mortgage deals will mature in 2026, with a significant proportion in the buy-to-let sector. Many landlords are now looking beyond single refinances, reassessing the balance, affordability and long-term sustainability of their wider portfolios.
This refinancing period extends far beyond headline rates for brokers and landlords. Product choice, fee structures and portfolio flexibility are gaining prominence alongside long-term affordability and investment viability. Landlords are considering whether to consolidate, rebalance or expand their holdings in an increasingly complex market.
TML's buy-to-let range includes limited-edition products with rates starting from 3.29% alongside the 5 basis point reduction. The lender offers fee and fee-free options to support different borrowing strategies, plus free valuations on all buy-to-let applications.
"With UK Finance forecasting up to 1.8 million fixed rate mortgages are maturing by the end of 2026, this underlines just how significant the year ahead will be for many landlords and brokers alike," said Chris Kirby, head of field sales for retail mortgages at Shawbrook.
"Many landlords are using this point as an opportunity to look beyond a single refinance and review their wider portfolios, with affordability, balance and long-term sustainability firmly in focus," he added.
"While rates will always matter, flexibility, product structure and choice are becoming just as important, and our latest repricing is designed to support brokers as they help clients navigate these decisions."
