Buy-to-Let Mortgage Rates
The average rate UK lenders advertise on 2-year fixed buy-to-let mortgages, compared with residential rates and the extra Stamp Duty landlords pay.
Average 2-year fixed buy-to-let rate, 75% loan-to-value
4.52%
Bank of England average of rates advertised by UK lenders in October 2026 on 2-year fixed buy-to-let mortgages, for landlords with a 25% deposit.
Bank of England · checked 10 Nov 2026
Average 2-year fixed rate, 75% loan-to-value
5.39%
The same measure for homeowners, for comparison. The two series are weighted differently by the Bank, so the gap between them is not a like-for-like price difference.
Bank of England · checked 10 Nov 2026
Bank of England Bank Rate
3.75%
Set by the Monetary Policy Committee, which meets eight times a year. Held at 3.75% on 17 September 2026.
Bank of England · checked 10 Nov 2026
Additional Property Surcharge
5%
Landlords in England and Northern Ireland pay this extra on each band of the price when they buy another property.
GOV.UK — HMRC · checked 10 Nov 2026
Additional Dwelling Supplement Scotland
8%
Landlords in Scotland pay this Additional Dwelling Supplement on the whole price of another property.
Scottish Government · since 5 Dec 2024 · checked 10 Nov 2026
What's changed
- 7 November 2026 Average 2-year fixed buy-to-let rate, 75% loan-to-value rose from 4.34% to 4.52%.
- 7 November 2026 Average 2-year fixed rate, 75% loan-to-value rose from 5.13% to 5.39%.
- 16 October 2026 Average 2-year fixed buy-to-let rate, 75% loan-to-value rose from 4.19% to 4.34%.
- 12 October 2026 Average 2-year fixed rate, 75% loan-to-value rose from 4.92% to 5.13%.
- 18 December 2025 Bank of England Bank Rate fell from 4% to 3.75%.
- 5 December 2024 Additional Dwelling Supplement rose from 6% to 8%.