The Mortgage Cafe

Buy to Let Mortgages with no Early Repayment Charges

Typical Lending Criteria (no ERC)

  • Maximum lending up to 85% LTV
  • Interest rates from 1.74%
  • Mortgages available with no lender fee
  • Mortgages available with free valuation
  • Mortgages available with cashback or free legals

No Early Repayment Charges for Buy to let Mortgages

Some property investors will want the facility to repay lump sums whenever they want to, or clear the outstanding mortgage altogether without paying a penalty (no early repayment charge). We have access to lenders who can provide this facility and they will lend on any suitable BTL property.

These lenders provide a good range of options, all offering interest only facilities, if required. Mortgages with no early repayment charges can be fixed rates, or discounted variable rates, or trackers, based on Bank of England base rate. A wide range of properties can be mortgaged without having an early repayment charge (ERC). Mortgages are available up to 85% LTV.

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Buy to Let Mortgages as Low as 1.60% pa


Applicant Profile

  • Applicants should be a homeowner or own a BTL property
  • Some lenders have no minimum income requirements
  • Applicants should be employed, self employed, or with apension
  • SPV limited companies accepted
  • Mortgages to maximum age of 85

Types of Property

  • Properties of standard construction
  • Freehold houses
  • Leasehold flats and maisonettes
  • Flats above retail shops (some restrictions apply)
  • England, Scotland & Wales

General Lending Criteria: BTL Mortgages with no ERC

  • Purchases or Remortgage
  • Interest only or capital + interest repayment
  • Mortgages up to 85% Loan to Value
  • Lending to Limited companies considered

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