Interest-Only BTL Mortgage Rates

Residential Rates (Special Edition 5yr fix)

Residential Interest-Only BTL Mortgage Rates (2/3 Year)

(Version 12-2024/1)

Flats 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.
UK footprint: Have active credit, accounts, or property in the UK.
Pay rate: The rate shown utilises the highest available deferred interest option for the product.
*Market Financial Solutions Variable Rate (MVR): Last set on 01/10/2023

Residential Interest-Only BTL Mortgage Rates (Special Edition 5 Year)

residential interest only btl mortgage rates special edition 5yr

(Version 12-2024/1)

Flats 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.
UK footprint: Have active credit, accounts, or property in the UK.
Pay rate: The rate shown utilises the highest available deferred interest option for the product.
*Market Financial Solutions Variable Rate (MVR): Last set on 01/10/2023

Commercial Interest-Only BTL Mortgage Rates

(Version 12-2024/1)

Hard ‘Gross loan’ limit. Product or broker fees and rolled up interest will reduce gross loan
Owner Occupier: where client will also occupy the commercial element as their own business. See criteria for further details.
UK Footprint: Have active credit, accounts, or property in the UK.
Valuation: Typically Bricks & Mortar, based on vacant possession. Investment value by referral, e.g., favourable lease. Review of next 12 months’ demand and saleability. For mixed-use containing flats or HMO we consider both commercial and residential rents.
*Market Financial Solutions Variable Rate (MVR): Last set on 01/10/2023

Product Comparison

(Version 12-2024/1)

Market Financial Solutions’ Interest-Only BTL Mortgage Rates

We update our interest-only BTL mortgage rates on an ongoing basis. Meaning, this page has the latest information available. As is the case across all of our business and different products, clarity remains paramount – for both us and our underlying clients.

We split our residential BTL mortgages, both 2/3 year and 5-year terms, into four tiers. Our commercial BTL mortgages are split into two tiers.

These tiers ascend in scale, and are based on the complexity of the deal, and the borrowers’ circumstances. The most straightforward cases fall into the tier 1 category, while the most complicated are reserved for tier 4. The applicable interest-only BTL mortgage rates that borrowers pay will be dependant on what tier they fall in.

Factors that influence interest-only BTL mortgage rates

There are many factors that influence what tier a borrower falls into, and therefore what rate they will ultimately pay. The type and size of the property, a borrowers’ credit history, their experience, their setup, the loan size, LTV, and more will all have an influence.

Across all our tiers though, all borrowers will be able to benefit from flexibility. Both fixed and tracker options are available, as are deferred and rolled up repayment plans. All our BTL deals are underwritten from day 1 of an enquiry, meaning we’re there to address any issues or concerns as they arise.

Why work with Market Financial Solutions

There are many ways to get the ball rolling with us. An initial enquiry can be made through our website, over the phone, via email, or in-person at the various events we attend throughout the year. All enquiries we receive will be responded to within 4 hours.

But this isn’t the only reason brokers and borrowers should turn to us for our interest-only BTL mortgage rates. Market Financial Solutions has been at the forefront of the specialist finance industry for nearly 20 years and with the launch of our BTL mortgages in 2022, we brought bridging-like speed and flexibility to the rental market.

Just as is the case with our bridging loans, our BTL mortgages are assessed on a case-by-case basis. Every borrower we work with has a solution that is tailored to their circumstances. Also, we have tools and resources at the ready to help property investors with their decisions. This includes comprehensive guides, independent research reports, and interactive BTL calculators.

The latter allows users to gauge what interest-only BTL mortgage rates may be available to them ahead of an enquiry, but the results will only be calculated estimations. To get detailed quotes, users should reach out to us today to get the ball rolling.