5 Year Fixed Rate UK Buy-To-Let Mortgage

With a fixed interest rate until 31 May 2029, this product provides the most certainty within our UK Buy-To-Let mortgage range over future mortgage repayments, regardless of what might happen to Bank of England base rates before maturity of the fixed term.
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Loan to Value
Pay Rate
Minimum Loan
Loan to Value
Up to 75%
Pay Rate
Minimum Loan from
Fixed rate of interest until 31 May 2029

Application fees: Purchase: £1,999
Remortgage: £999

Early repayment charges: 5% until 31 May 2029

Skipton International UK Buy-To-Let Follow on rate is currently 7.49%

With effect from 29 April 2024

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

  • Mortgage information
    • Application fee of £1,999 for purchased properties. Includes cost of valuation.
    • Remortgages, equity release and further advances are charged at £999, which includes the cost of a valuation.

    The minimum loan size is £200,000 and the maximum mortgage loan to any individual, together with connected persons is £5 million.

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

    No early repayment charges following the end of the fixed period.

    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 mortgages, if repaid after the end of period, interest to the date of redemption will be payable.

    This mortgage product can be withdrawn at very short notice.


  • Interest in Advance

    The interest Skipton charges for each month will be calculated and charged daily on a sum equal to the Loan on the day the Loan is advanced to the Borrower in the first month and, for each month thereafter, on a sum equal to the Loan on the last day of the previous month and will be debited to the Borrower’s Loan in advance on the day the Loan is advanced to the Borrower in the first month and on the first day of each month thereafter.

  • Product fees

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

  • Fixed rates

    On this fixed rate 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.

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A step by step guide from Skipton International to applying for a UK Buy-To-Let mortgage when resident overseas
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Mortgages with Skipton

Are you are an overseas residents considering investing in UK Buy-To-Let properties? Talk to us about your options, we’d love to help.