Landbay launches new Premier products and cuts small HMO rates

Buy-to-let lender, Landbay, has launched eight new five-year fixed rate products at 70% LTV within its Premier range, alongside a 0.15% rate reduction across its Premier small HMO two-year fixes, including product transfers.

Premier is a range of standard products for landlords with up to 15 mortgaged properties, available to both individual and limited company landlord borrowers, and features some of Landbay’s most competitive rates.

The new Premier additions include both standard and remortgage AVM products, all available with a range of fee options (zero, 2%, 3% and 5%).

The new fixed rates start from 4.52% with a 5% fee, rising to 5.52% with no fee, with additional options available at 2% and 3% fee levels. Equivalent remortgage AVM products are available at the same pricing.

The lender has also reduced rates across its 75% LTV two-year small HMO products, including product transfers. Following the reductions, the two-year 75% LTV fixes now start from 4.74% with a 3% fee, rising to 5.74% with a 1% fee, while product transfer equivalents are available from 4.79% with a 3% fee and 5.79% with a 1% fee.

Rob Stanton, sales and distribution director at Landbay, said: “The market continues to place a strong emphasis on value and certainty, particularly for landlords looking to secure longer-term fixed rates at lower LTVs. By introducing these new 70% LTV five-year fixes, we are giving brokers additional options to support that demand with a clear and flexible pricing structure.

“At the same time, we know that small HMOs remain an important part of many landlord portfolios, often requiring a more tailored approach. Reducing rates across these products, including for existing borrowers through PT options, ensures advisers have competitive solutions available for both new and refinancing cases.

“Our focus remains on maintaining a straightforward, well-structured range that gives brokers the confidence to place business efficiently. By combining targeted product additions with rate reductions, we are continuing to provide the choice and support needed across a wide range of landlord scenarios.”