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The rate doesnt make the mortgage. Whenever people compare buy to let deals they go straight for the rate, dont make that mistake. The rate is important because that percentage of the mortgage is what you must pay back in interest over the year, so obviously the lower the rate of the buy to let deals, the better. But it doesn’t make the mortgage, a buy to let mortgage is a whole product that has scores of facets, all of which will affect your deal. The best buy to let deals are the ones that tick all the boxes, low fees, a good term, achievable loan to value ratios, sensible penalties, not just low rates.

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