Aldermore Reduces Mortgage Rates and Launches New Limited Edition Buy-to-Let Products (October 2025 Update)

Exciting Rate Cuts and Product Updates from Aldermore Mortgages

Aldermore, a leading UK specialist lender, has announced reductions to its mortgage rates across key residential and buy-to-let ranges, effective from 2 October 2025. This update brings more affordable options for homebuyers, landlords, and those looking to remortgage, alongside new limited edition buy-to-let products and a 30-day Decision-In-Principle (DIP) guarantee for application security.

Key Mortgage Rate & Product Updates

• Residential Owner Occupied Fixed Rates REDUCED:
  • 2-year fixed rates now from 5.08% up to 65% LTV
  • 5-year fixed rates now from 5.09% up to 65% LTV
• Product Switch Fixed Rates REDUCED: More competitive for existing owner occupied customers switching their fixed deals.
• Buy-to-Let Limited Edition Products LAUNCHED:
  • Individual/company landlords (single property): 2-year fixed, zero fee, 5.79% up to 75% LTV
  • Multi-property landlords: 2-year fixed, zero fee, 5.74% up to 75% LTV
• 30 Day DIP Guarantee: Secure your rate for 30 days while you gather documents; applicants have 10 working days to upload required paperwork after submission.

Who Benefits Most from These Changes?

• Homeowners seeking to remortgage or secure a fixed rate will find improved affordability due to reduced rates.
• First-Time Buyers may benefit from easier entry to the market with lower rate fixed products on residential mortgages.
• Buy-to-Let Landlords:
  • Both established and first-time limited company landlords can access new, limited edition fixed rate products at up to 75% LTV.
  • Multi-property investors get a slightly more favourable rate.
• Existing Aldermore Borrowers approaching the end of their fixed deals may find new switch rates more attractive.

Special Promotions & Unique Features

• Zero Fee Products: No product fee on selected buy-to-let limited edition deals for both individual and company landlords.
• Decision-In-Principle Guarantee: A 30-day DIP window to lock in a rate; ideal in a rapidly changing market. This gives applicants time to collate documentation without fear of missing the current rate.

Why Consider Aldermore for Mortgages and Buy-to-Let?

• Flexible Lending Criteria: Specialist focus for clients who may not fit ‘mainstream’ banks, e.g. self-employed, complex incomes, or company landlords.
• Competitive Fixed Rates: Among the most affordable specialist lender rates now available for both homeowners and landlords (see full rate guides for details).
• Customer-Focused Timelines: Secure your rate, then submit all documentation at your pace (within 10 working days after application).
• Comprehensive Product Choice: Wide product switch and remortgage offerings.

Quick Application Tips: Securing Your Rate

1. Gather all documents before beginning your application to ensure you meet the 10 working day submission window.
2. Contact your adviser to discuss which limited edition or reduced rate is best for your needs.
3. Ask about Aldermore’s full eligibility criteria for complex or specialist cases.

Conclusion and Next Steps

If you’re a homeowner, first-time buyer, or landlord looking for the best mortgage rates UK or buy to let mortgage rates, these Aldermore updates are an excellent opportunity. Our fully qualified mortgage advisers can help you navigate the new products, secure your DIP, and identify the most competitive rates for your situation. Contact us today for tailored, up-to-date mortgage advice.

View today’s best buy mortgage rates »

Frequently Asked Questions (FAQ)

• Who qualifies for Aldermore’s new mortgage products?
  Aldermore accepts a broad range of customers, including self-employed, those with complex incomes, and both individual and company buy-to-let landlords. Specific eligibility depends on LTV and applicant status.
• How will these rate changes affect my monthly repayments?
  Lower fixed rates mean potentially reduced monthly payments or greater loan affordability. An adviser can provide a personalised illustration based on your circumstances.
• Are the new buy-to-let products suitable for first-time landlords or companies?
  Yes. Aldermore’s limited editions cater for individual landlords, first-time landlords, and limited company structures with competitive rates and up to 75% LTV.
• What is the 30-day DIP guarantee?
  Once your Decision-In-Principle is agreed, you have 30 days to secure your rate, with 10 working days to complete document uploads after full application submission.
• How do I apply or find out if I am eligible?
  Contact our expert team on 0800 048 8828 for a personalised assessment and help with your application today.