Fleet Mortgages has today (30th January 2026) announced the launch of a new range of 65% LTV mortgage products, plus cut rates on two-year, fixed-rate 75% LTV products across all three of its core Standard, Limited Company and HMO/MUFB ranges.
The new 65% LTV products include:
- Standard and Limited Company: five-year fixed rate, available at 4.89% with a £1,499 fixed fee, and a free valuation up to £500k.
- Limited Company: two-year fixed-rates available at 4.74% with a £1,499 fee, and at 5.19% with a zero fee.
- HMO/MUFB: five-year fixed rate, available at 4.89% with a 3% fee, and a two-year fixed-rate available at 5.49% with no fee. Both of these products come with cashback of £1,000.
Fleet Mortgages has also cut rates across a range of two-year fixed rates in all three core ranges by 10 to 25 basis points (bps).
In the Standard and Limited Company ranges rates have been cut by 10bps, with pricing now available from 3.69% (with a 3% fee), while in the HMO/MUFB range, rates have been cut by 25bps with pricing now available from 3.99% (also with a 3% fee).
The lender said the new 65% LTV range would provide landlord borrowers who hold significant equity to benefit from keener pricing and a range of fee options, while the rate cuts also delivered greater choice for those looking to purchase or refinance with a 25% equity/deposit level.
Steve Cox, Chief Commercial Officer at Fleet Mortgages, commented:
“Landlords with strong levels of equity are often very focused on price, and this new 65% LTV range is designed with that in mind. It gives borrowers access to lower rates, clear fee choices and products that work across Standard, Limited Company and HMO or MUFB cases.
“We know many portfolio landlords are actively reviewing their borrowing this year, either to refinance or to support further purchases, and these products are aimed squarely at that audience.
“At the same time, we wanted to improve value for landlords operating at 75% LTV, which remains a key level for both purchases and remortgages. Cutting rates by up to 25 basis points across these two-year products helps advisers support clients who may not have deeper equity, but who still want competitive pricing and consistent criteria.
“This is about giving advisers more options and keeping Fleet well placed in a market where cost, flexibility and certainty all matter.”
