Buy-To-Let Loan Rates

¹Hard ‘Gross loan’ limit. Product or broker fees and rolled up interest will reduce gross loan.
²Flats above commercial: above (or immediately adjacent) commercial premises up to max tier LTV, except when a restaurant, takeaway, pub, or launderette; max LTV 60% tier 2, 65% tier 3, and considered to 70% Bespoke tier 4.
³UK Footprint: Have active credit, accounts, or property in the UK. Offshore foreign nationals, companies, or expats without this assessed on tier 3 or 4; min rent ICR may be increased, term cap 24 months, or interest payments retained from the loan at UW discretion.
⁴Rollup & Defer: Over 6 months rolled or 1.5% deferred at underwriter discretion, and plausibility assessment.
ERC: Fixed: 4%/3%. No ERC during revert rate period.
Admin Fee: £199 per property (max £995), non-refundable, paid with val fee. Free for existing MFS group customers.

Trackers: any changes to BBR applied from 1st of the following month. Any rolled up & capitalised months calculated at TODAY’S BBR, not a
predicted future value. MFS may use a stressed BBR to calculate max loan or require additional income evidence to prove resilience. May use 180 day valuation.
¹Hard ‘Gross loan’ limit: Product or broker fees and rolled up interest will reduce gross loan.
²Flats above commercial: above (or immediately adjacent) commercial premises up to max tier LTV, except when a restaurant, takeaway, pub, or launderette; max LTV 60% tier 2, 65% tier 3, and considered to 70% Bespoke tier 4.
³UK Footprint: Have active credit, accounts, or property in the UK. Offshore foreign nationals, companies, or expats without this assessed on tier 3 or 4; min rent ICR may be increased, term cap 24 months, or interest payments retained from the loan at UW discretion.
⁴Rollup & Defer: Over 9 months rolled or 2% deferred at underwriter discretion, and plausibility assessment.
ERC: Tracker: 3%/2.5%. No ERC during revert rate period.
Admin Fee: £199 per property (max. £995), non-refundable, paid with val fee. Free for existing MFS group customers.