Leeds Building Society Cuts Limited Company Buy-to-Let Mortgage Rates: September 2025 Product Update

Introduction: Latest Mortgage Updates from Leeds Building Society

Leeds Building Society, a well-established UK lender, has announced important changes to its mortgage product range, focusing on reduced rates for Limited Company Buy-to-Let (BTL) mortgages. Effective from 18 September 2025, these updates present new opportunities for property investors and existing landlords. Whether you’re considering a new BTL mortgage via a limited company or exploring your remortgage options, this update could help you secure a more competitive deal.

Key Product Update: Lowered Limited Company Buy-to-Let Rates

The standout news is a reduction of up to 0.17% on selected Limited Company Buy-to-Let fixed rates. This change impacts both:

• New mortgage applications – property investors buying or refinancing through a limited company structure may now benefit from Leeds’ more competitive rates.
• Existing customers – landlords looking to switch to a new rate upon expiry of their current Leeds Building Society BTL deal can also access these improved rates.

Reduced BTL rates for limited company borrowers are designed to support growing demand for tax-efficient property investment vehicles across the UK.

Summary of the BTL Rate Cut

• Rate reduction: Up to 0.17% on selected Limited Company BTL products
• Apply for new products from the stated launch date (after midnight 18 September 2025)
• Rate switch applications accepted eight full working days before end-of-month for a 1st-of-month start

Full product details, including specific new rates, are available directly through Leeds Building Society’s intermediary portal.

Eligibility and Criteria Updates

These changes primarily benefit borrowers utilising a Limited Company structure for property investment:

• Applicants must be purchasing or remortgaging via a registered limited company (not individuals).
• Eligibility criteria and full lending policies are unchanged—rates are lowered, but property types, income verification, and other checks remain in place as per Leeds’ standard BTL offering.

No significant changes have been made to core lending criteria, but the rate improvement makes Leeds more attractive for landlords reviewing their borrowing options.

Special Features and Lending Flexibility

Along with these rate cuts, Leeds Building Society is known for:

• Clear and consistent criteria for UK-based limited company borrowing
• Dedicated support for BTL landlords, whether purchasing new properties or refinancing existing portfolios
• Flexible product transfer (rate switch) process for existing customers—rate switches can be arranged in advance for a smooth transition

This combination of lower rates and reliable lending service is especially valuable for investors seeking to optimise yields in the current mortgage market.

Why Choose Leeds Building Society for Your Limited Company Buy-to-Let?

• Competitive pricing: The rate reduction puts Leeds among the more attractive options for limited company BTL in the UK.
• Trusted, experienced lender: Leeds Building Society is a respected mutual with decades of specialist BTL experience.
• Efficient rate switch process: Existing borrowers benefit from advance notification and straightforward product switch arrangements.

Whether you’re expanding your investment portfolio or reviewing your current BTL mortgage, Leeds Building Society remains a strong consideration.

Conclusion: Find Out if These Updates Benefit You

Lower rates on Limited Company Buy-to-Let mortgages from Leeds Building Society could make a real difference to your investment return. If you’re considering a purchase, remortgage, or rate switch, it’s the ideal time to review your options.

Contact our expert mortgage advisers for tailored guidance and to access the full Leeds Building Society product range. We’ll help you compare deals and ensure you meet eligibility criteria for the best available rates.

Frequently Asked Questions (FAQs)

• Who can qualify for these reduced Limited Company BTL rates?
  Only UK-registered limited companies purchasing or remortgaging BTL properties. Personal buy-to-let applicants are not eligible for these specific rate reductions.
• How much have Leeds’ Limited Company BTL rates fallen?
  Selected rates have been reduced by up to 0.17%, offering improved value on new applications and rate switches for eligible borrowers.
• When do the new rates take effect?
  The new products are available for applications from after midnight on 18 September 2025. Withdrawn products are no longer accessible after this time.
• Can existing Leeds BTL mortgage customers access these rates?
  Yes. Existing Limited Company BTL mortgage holders can apply for a rate switch and benefit from the new reduced rates, subject to eligibility.
• How do I find out if I qualify or start my application?
  Contact our mortgage brokerage team for a full eligibility assessment and an up-to-date comparison of suitable products from Leeds Building Society and other lenders.