Fleet Mortgages has expanded its two-year fixed-rate range for more energy-efficient rental properties while cutting selected 75% loan-to-value remortgage-only products.
The buy-to-let lender has introduced new two-year fixed-rate products for properties with an EPC rating of A to C, available up to 75% LTV across its Standard, Limited Company and HMO/MUFB ranges.
Pricing on the new EPC A to C products is set 10 basis points below the equivalent non-EPC variants.
Within the Standard and Limited Company ranges, Fleet is offering a 5.19% two-year fixed-rate with no completion fee and a 4.74% two-year fixed-rate with a £1,499 fee, subject to a maximum loan of £750,000.
Both products come with free valuations up to £500,000.
HMO/MUFB
For HMO and MUFB cases, the lender has launched a 5.54% two-year fixed-rate with no completion fee and a 5.39% two-year fixed-rate with a £1,999 fee, again up to a maximum loan of £750,000. Both options include £1,000 cashback.
Alongside the EPC-linked expansion, Fleet has reduced rates on selected remortgage-only products within its Standard and Limited Company ranges.
Its 75% LTV two-year fixed-rate remortgage-only product, which carries a 2% fee subject to a £750 minimum, has been cut by 10 basis points to 4.44%. The corresponding five-year fixed-rate has been reduced by 15 basis points to 4.74%.
Both products come with a free valuation up to £500,000 and £500 cashback.
The lender said the new EPC variants reflect ongoing adviser and landlord demand for pricing that recognises stronger energy performance, while the remortgage reductions are intended to support borrowers reviewing existing facilities in the first half of the year.
The changes follow the launch last month of a new range of 65% LTV products.
“large numbers of deals come to maturity through the first half of 2026”
Steve Cox, chief commercial officer at Fleet Mortgages, said: “The direction of travel on property standards remains clear and landlords are increasingly aware EPC ratings matter, both in terms of tenant demand and future regulation.
“By pricing these EPC A to C products below their standard equivalents, we are recognising the lower risk profile of those properties and giving advisers a clear pricing advantage to discuss with clients.
“At the same time, we know many landlord borrowers are looking at their remortgage options as large numbers of deals come to maturity through the first half of 2026.
“Cutting our two- and five-year fixed-rate 75% LTV remortgage-only products provides strong options for advisers placing business in the weeks ahead.
“As ever, our focus is on competitive pricing, clear criteria and practical support for advisers across our full range – Standard, Limited Company and HMO/MUFB.”
