Landbay, has today (19th January 2026) announced the launch of new products, and a series of rate cuts to its two-year fixed-rates, within its Premier range.
Premier is a range of standard products for landlords with up to 15 properties, available to both individual and limited company landlord borrowers, and features some of Landbay’s most competitive rates.
Offering simplified criteria and pricing for a broader landlord borrower, the two new 75% LTV products are:
- Two-year fixed-rate available at 5.24% with a zero fee.
- Two-year fixed-rate available at 2.74% with a 5% fee.
In addition, Landbay has also cut rates on its existing Premier 75% LTV two-year fixed rate products by 0.5%, covering its two-year fix with a 1% fee now available at 4.74%, a 2% fee at 4.24%, a 3% fee at 3.74%, and a 4% fee at 3.24%.
All product transfer product options within the Premier range also benefit from the same rate reductions.
Landbay has also cut the rate on its like for like two-year, fixed-rate remortgage-only product for those landlords not seeking to capital raise. The rate has been cut by 0.5% to 4.24%, and comes with a 2% fee.
This like for like product is different to others within the Premier range in that its interest coverage ratio (ICR) is stressed at the payrate or 4.5% - whichever is higher.
The lender said this product is particularly beneficial for advisers with landlord borrower clients who are not seeking to capital raise but are looking for extra affordability to secure loan size over a short-term given they might not wish to commit to a five-year deal.
Landbay has also launched a new video series for advisers entitled ‘We Get Buy-to-Let’ focused on key areas within the sector, and covering how the lender can help provide landlord borrower solutions.
The first one is available to view on the Landbay LinkedIn Page - https://www.linkedin.com/company/landbay - and focuses on affordability, the remortgage market and how to help landlord clients maximise borrowing without sacrificing flexibility.
Rob Stanton, Sales and Distribution Director at Landbay, said:
“These product additions to Premier, alongside the rate cuts, reflect where the buy-to-let market is right now. Many landlords are coming to the end of deals, or seeking to purchase, and want better value without added complexity, while advisers will be focused on securing competitive pricing in an environment far different to just a couple of years ago.
“By expanding choice at 75% LTV and reducing rates across the Premier range, we are giving advisers more ways to support landlord clients who want flexibility and strong pricing, and with our like for like remortgage-only products, without necessarily having to lock into a longer term.
“Premier is designed to be straightforward, with clear criteria and keen pricing that works for both individual and limited company landlords with portfolios up to 15 properties.
“Extending the same reductions to product transfers is also important, as it helps advisers retain clients and deliver good outcomes at refinance. Our PT process only happens with the involvement of the adviser, and we are here to support advisers in what is lining up to be a very busy year in the buy-to-let market.”
