UK Buy-To-Let Mortgages

Product FeaturesLTVMinimum LoanInterest RateAPRProduct FeeApplication FeeEarly Repayment Charges

Guaranteed to track the Bank of

England Base Rate for three years 
(with a minimum base rate floor of 1.00%).  

Available for purchases and remortgages

Up to 75%£500,000

 3.24% (Base + 2.24%)


Fee Free*

£1,999 for purchased properties. 

Includes cost of valuation. 

Re-mortgage is fee free. 
Valuation fee is not included.

Year 1 – 3%

Year 2 – 2%

Year 3 – 1%


4.24% (Base + 3.24%)


£100,0004.34% (Base + 3.34%)






Skipton International UK Buy-To-Let Follow on rate is currently 4.99%

With effect from 5 May 2022

*Limited time offer 


The minimum loan size is £100,000 and the maximum loan to any individual, together with connected persons is £3 million.

Following the tracker period the interest rate will revert to Skipton International Buy-To-Let follow on rate. Our UK Buy-To-Let mortgage products are portable and can be applied to a new UK property (subject to it meeting our criteria).

Interest is calculated on a daily basis and monthly payments must be made in arrears by direct debit on the first working day of each month. As with all UK mortgages, if the mortgage is repaid after the end of tracker period, interest to the date of redemption will be payable.

Product fees are non-refundable and must be paid on application.

On this UK Buy-To-Let mortgage, lump sum payments of up to 10% may* be made early without charge each year. For the purposes of this calculation, a year is defined as starting on the commencement of the loan and on the anniversary thereafter; the amount is up to 10% of the balance outstanding on that date. This facility cannot be rolled over into subsequent years if the facility is not used in any one year. 

Our UK Buy-To-Let mortgage products can be withdrawn at very short notice.

*Please note this will depend on when the product was taken. 

Your home may be repossessed if you do not keep up repayments on your mortgage.