Visas – Buy to Let 2 Year Discount 5.29% variable (1.75% off Landlord Variable Rate)
VISD1 With effect from 01 July 2025
1.75% discount off the Society's Landlord Variable Rate for 2 years. In any event, the rate will not go below 2.25%.
Maximum loan to value available:
The overall cost for comparison
Fee information
Representative Example
Standard Features
- Available on properties in England and Wales, for letting on an Assured Shorthold Tenancy
- Rental income of 125% (145% for higher/additional rate taxpayers) of the mortgage payment at a stressed rate required, except for 5 Year Fixed Rate mortgages (where available) where the interest coverage requirement is 125% (145% for higher/additional rate taxpayers) at pay rate
- Maximum number of rental properties is 3 per household with Hinckley & Rugby Building Society
- Minimum loan £100,000 (existing members £50,000)
- No minimum income required
- Minimum term 5 years
- Interest calculated on a daily basis
- No tied insurances
- Minimum age for applicants 18
- Tariff of charges during the life of any mortgage available on request
- Mortgage repayment vehicle must be in place for interest only mortgages
- For remortgages, the property must have been owned by the applicants for a minimum of 6 months

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