Fleet Mortgages cuts five-year buy-to-let fixes to as low as 5.04% (11 November 2026)

Created Nov 11, 2026 • AI-generated summary

On 11 November 2026, Fleet Mortgages announced 20 basis point cuts to its five-year fixed-rate buy-to-let products carrying 3% or 5% product fees, at up to 75% LTV across standard, limited company and specialist property ranges. 5% fee tier: standard and limited company fixes 5.24% to 5.04% (free valuation on properties up to £500,000); HMO/MUFB 5.49% to 5.29% (£1,000 cashback). 3% fee tier: standard and limited company 5.64% to 5.44%; green (EPC A–C) 5.54% to 5.34%; HMO 5.89% to 5.69%; HMO A–C 5.79% to 5.59%. Fleet said lower 5% fee rates could help landlords meet interest coverage ratio requirements; CCO Steve Cox cited options for affordability-constrained landlords refinancing at higher rates. Membership limited to this specific 11 November 2026 Fleet rate reduction; the 3 November 2026 5% fee product launch (story 327) and other Fleet developments are distinct stories.