Research data

Buy to Let Mortgage Product Index

Published monthly, the Buy to Let Product Index tracks the number of lenders and buy to let mortgage products currently available in the UK mortgage market.

Buy to Let Mortgage Product Index - December 2017

Average data for December 2017:
Number of buy to let products: 1,371
Number of buy to let lenders: 36

The average number of products available has continued to rise within the last twelve months. From 1,147 in January 2017 to 1,371 in December 2017.

No new lenders entered the market in December. On average 15 of the current lenders offer products suitable for limited companies.

LTVs

The availability options for the LTV groups changed slightly this month with a 2% increase in 75% LTV and a similar decrease in the under 75% portion. In 2017 in general, there was minimal fluctuation on a month to month basis between the groups.

Rates

During the last twelve months the average five year rates have remained competitive, with rates now lower than those offered at the beginning of the year (3.77% Fixed and 3.12% Tracker, Jan 2017). The pricing of the five year tracker consistently remained below that of the three year tracker. The three year terms have also shown an overall reduction in pricing during this period. Two year terms have increased in pricing since January 2017.


These averages do not include fees. To find out how fees affect the cost of buy to let mortgages view our Buy to Let Mortgage Costs Index.

The data for our Buy to Let Product Index is derived from our market-leading buy to let sourcing tool, Mortgage Flow. To look at which buy to let mortgages fit your current borrowing requirements, use our instant Buy to Let Mortgage Calculator.

To look at data that compares the buy to let sub-sectors of HMOs and freehold blocks of flats compared to mainstream buy to let property, please take a look at our Complex Buy to Let Index.

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ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.