Within both the standard and limited company ranges, two-year fixed rates have fallen from 4.49% to 4.29%. The products come with a free valuation, an application fee of £199 and a 3% completion fee, at a minimum of £750.
The pricing on its house in multiple occupation (HMO) and multi-unit freehold block (MUFB) deals has been reduced from 4.79% to 4.59%. The products offer £1,000 cashback, an application fee of £199 and a 3% completion fee, at a minimum of £750.
Steve Cox, chief commercial officer at Fleet Mortgages, said: “It’s positive to be able to follow last week’s tracker launch with these reductions across our two-year fixed rate products, particularly given the backdrop of ongoing rate volatility. We are very aware advisers and landlord borrowers are having to assess their options carefully, balancing short-term pricing, swap rates and expectations for bank base rate against each other, and these changes are designed to ensure our fixed rate products remain competitive within that mix.
“At the same time, maintaining a broad spread of options across standard, limited company and HMO/MUFB lending is key. Different landlord borrowers will have different priorities, whether that’s certainty of payment or flexibility, and it’s important we continue to support them with solutions that reflect that. These latest changes are about giving brokers the ability to place cases with confidence, knowing they have access to strong pricing and a range that can meet varied landlord requirements.”
Aldermore Insights with Jon Cooper: Edition 9 – Why lending strategy is becoming more central in buy to let
Sponsored by Aldermore
Atom Bank cuts near prime pricing
Atom Bank has reduced rates across its Near Prime mortgage range by 0.2%, applying to purchase and remortgage options.
Its pricing now starts from 5.39% at 60% LTV.
The lender said near prime options were growing in importance, with its research showing that 93% of brokers had seen a rise in demand in 2025, and 74% expected further growth this year.
Richard Harrison, head of mortgages at Atom Bank, said: “After a turbulent period for the mortgage market, we are pleased to be able to reduce rates across our near prime range. This reduction means we can deliver even better value to those looking to borrow with less-than-perfect credit, irrespective of whether it’s for purchase or refinance, or the size of their deposit.
“Near prime is clearly growing in importance for brokers, with increasing numbers of clients coming to them with some sort of imperfection in their credit report. Atom Bank will continue to look for new ways we can support these borrowers, making it easier and faster for all parties involved.”
