Specialist lender MT Finance has slashed rates on its buy-to-let mortgages, now offering a standout product with an interest rate below 3%—one of the most competitive deals in the UK market.
In a major move for property investors, the lender has introduced significant rate cuts of up to 0.24% across selected buy-to-let products. The new two-year fixed-rate Tier 1 buy-to-let mortgage starts at just 2.99%, down from 3.19%, while the Tier 2 product is now priced at 3.65%.
Why This Rate Cut Matters for Landlords
Sub-3% interest rate – A rare and highly competitive deal in today’s market.
125% ICR stress testing – Remains favourable compared to many lenders.
Improved cash flow – Lower rates mean higher potential rental yields.
Marylen Edwards, Director of Mortgages at MT Finance, said:
*”We’re thrilled to introduce this market-leading rate reduction, now offering a buy-to-let mortgage below 3%. With landlords and property investors looking for stability and value, breaking this threshold demonstrates our confidence in the sector.”*
What This Means for Property Investors
With rising costs and regulatory changes affecting the buy-to-let market, MT Finance’s rate cuts provide a much-needed boost for landlords. The sub-3% mortgage could significantly improve profitability, making it an attractive option for:
Portfolio landlords looking to refinance.
First-time investors entering the buy-to-let market.
Existing borrowers seeking better deals amid high interest rates.
Is Now the Right Time to Secure a Buy-to-Let Mortgage?
With the Bank of England holding base rates steady, lenders are beginning to offer more competitive deals. MT Finance’s latest move signals a potential shift toward more affordable financing options for landlords.
For investors considering their next move, locking in a sub-3% rate could be a smart long-term strategy, especially with rental demand remaining strong across the UK.
Looking for the best buy-to-let mortgage deals? Keep an eye on MT Finance’s latest offers—this could be the perfect time to refinance or expand your property portfolio.
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