Mortgage Rates

Buy to Let Tracker

As a pioneer of Buy to Let mortgages, Bristol & West Mortgages has created the Buy to Let Tracker designed for property investors.

Buy to Let Tracker mortgages track the Bank of England Base Rate (BBR) for a set period of time, which means that your rate may move up or down. If you want to take advantage of any reductions in interest rates, this might be the right choice for you. Remember that interest rates go up as well as down.


Buy to Let Tracker mortgage rates



What you need to know up front with a Buy to Let tracker Mortgage

  • You must be 21 years old to take out a Buy to Let tracker mortgage.
  • You must own a property out right, or have held a mortgage for the past 12 months.
  • You can have up to 15 Buy to Let mortgages at the same time up to a total value of £2.5million
  • You can borrow up to 90% of the property's value with our Buy to Let mortgages, meaning you'll need a minimum of 10% deposit.
  • You can add your fees to the mortgage, but don't forget we'll add it to the total mortgage and interest will be charged on it for the term of the mortgage.
  • You can overpay up to 10% of the mortgage balance each year without paying any early repayment or administration charges (subject to minimum payment of £2,000).
  • Not all types of property and tenants are permitted.
  • We lend in England, Scotland & Wales. Sorry, but we don't lend in Northern Ireland.

Most of these mortgages track BBR at + 1.75%, with many featuring a promotional discount period for several years at the start of your mortgage. Others track BBR plus a set percentage for the term of the mortgage.

Don't forget that all of our mortgages are portable. This means that the rate, terms and conditions of your original mortgage can be transferred to the new property if you move house. If you're an existing customer you can find out more about porting your mortgage.