Aldermore Cuts Mortgage Rates on Buy to Let, Residential, and Product Switches

Latest Rate Reductions from Aldermore: What UK Borrowers Need to Know

Aldermore, a leading specialist UK lender, has announced substantial rate reductions across its mortgage portfolio as of 9th September 2025.

These changes impact buy to let mortgages, residential owner-occupied loans, and product switch rates, offering improved affordability and greater flexibility for borrowers nationwide. This update is significant for investors, homeowners, and those looking to remortgage or switch, enhancing their borrowing power during a dynamic market period.

New Aldermore Mortgage Rates and Product Highlights

Buy to Let Rate Reductions and Limited Edition Offers

• 2-Year Fixed (Individual & Companies): 3.29% with a 5% fee, up to 75% Loan to Value (LTV)
• 2-Year Fixed (Multi Property): 3.24% with a 5% fee, up to 75% LTV

These limited edition buy to let rates are competitively positioned for both individual landlords and those operating through limited companies, as well as investors building larger portfolios.

Residential Owner-Occupied Rate Reductions

• 2-Year Fixed Rates: From 5.29% up to 65% LTV
• 5-Year Fixed Rates: From 5.14% up to 65% LTV

Reduced fixed rates are now available across Aldermore’s Level 1, 2, and 3 ranges, benefiting a wide array of homeowner profiles, including those with more complex credit backgrounds.

Product Switch Rate Enhancements

• Residential Owner Occupied Standard Range: Lower fixed rates available
• Single Unit Buy to Let Range: Enhanced fixed rate options for existing borrowers

Existing Aldermore customers seeking to switch to a new rate can now access these improved deals, potentially reducing monthly repayments and offering greater financial flexibility.

Updated Lending Criteria and Borrower Impact

Aldermore’s latest changes primarily revolve around lower rates rather than stricter lending criteria. Flexible lending approaches remain, catering to:

• First-time buyers who may not fit mainstream credit profiles
• Buy to let landlords, including portfolio and limited company structures
• Remortgage applicants seeking competitive new fixed rates

The continued emphasis on specialist underwriting means applicants with varied income types or historic credit issues can still be considered.

Who Benefits Most from Aldermore’s Latest Offers?

• Property investors using limited companies, or looking to expand portfolios across multiple properties
• Homeowners wanting to fix their payments at lower rates for greater household stability
• Existing Aldermore borrowers interested in switching to a new deal without the hassle of moving lenders
• Self-employed and complex income applicants who value specialist criteria

Key Reasons to Consider Aldermore as Your UK Mortgage Lender

• Competitive rates: Recent reductions offer some of Aldermore’s best pricing to date for specialist cases.
• Flexible criteria: Willingness to accept complex employment, credit, and income situations that many high street banks decline.
• Specialist buy to let expertise: Suitable for individual, company, and portfolio landlords.
• Streamlined product switch process: Easier transitions for existing customers looking to secure new terms.

Next Steps and Mortgage Advice

If you are an investor, homeowner, or need to remortgage, Aldermore’s latest rate cuts could make your property plans more affordable. To ensure suitability and maximise your options, contact our expert mortgage team today for personalised, whole-of-market advice tailored to your circumstances. Our team will help you navigate the latest deals and lending criteria to secure the best outcome for your needs.

FAQs: Aldermore Mortgage Rate Reductions

• Who is eligible for Aldermore’s new mortgage rates?
  Both new and existing borrowers can benefit. Buy to let, residential, and product switch customers are all eligible, including portfolio and limited company landlords.
• How do these rate changes affect monthly repayments?
  Lower interest rates will generally reduce monthly payments. The savings depend on loan size, term, and specific product selected.
• Can I switch my existing Aldermore mortgage to a new deal?
  Yes, product switch rates have also been reduced. Existing borrowers can apply for a switch to benefit from the improved terms.
• Are these deals suitable for self-employed or those with complex income?
  Yes, Aldermore is known for flexible underwriting and often accepts complex income situations other lenders can’t.
• How do I find out which Aldermore mortgage I qualify for?
  Contact our mortgage advisers for a free, tailored assessment to determine your eligibility and best available rates.