What are the best fixed-rate mortgage deals available for UK buy-to-let properties right now, given rates are 'barely budging'?
Quick Answer
Fixed-rate Buy-to-Let mortgages in December 2025 are typically 5.0-6.5% for 2-year terms and 5.5-6.0% for 5-year terms, influenced by the 4.75% Bank of England base rate. Stress tests require 125% rental coverage at 5.5% notional rates.
About This Topic
Find the best fixed-rate BTL mortgages for Dec 2025: learn about 5.0-6.5% rates, 125% stress tests, and how to secure optimal deals to maximise your UK property investment returns.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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