Fleet Mortgages launches new range of one-year fixed-rate products

Fleet Mortgages, the buy‑to‑let specialist lender, has today (17th October 2026) announced the launch of a new range of one-year fixed-rate products, providing landlord borrowers and their advisers with a further short-term option across its Standard, Limited Company and HMO/MUFB ranges.

The new one-year products are available to both new and existing Fleet borrowers and the lender said have been introduced to provide greater choice for landlords who may not wish to commit to a longer-term fixed rates in the current market.

Available up to 75% LTV, Fleet’s one-year Standard and Limited Company fixed-rate product is priced at 3.49% with a 2.5% product fee and includes a free valuation on properties valued up to £500k.

The one-year fixed-rate HMO/MUFB product, also available up to 75% LTV, is priced at 3.74% with a 2.5% product fee and comes with £1,000 cashback.

All one-year products come with an ERC of 3% during the fixed-rate period, with current product end dates running to the end of March 2028.

The introduction of the one-year range broadens Fleet’s existing range of fixed and tracker options and is aimed at landlords who want greater short-term certainty over their mortgage payments without fixing for two or five years.

Alongside the launch of the new range, Fleet has also cut the rate on its existing two-year, fixed-rate HMO/MUFB product – and its equivalent EPC A-C and Product Transfer options – which come with a 3% fee. The 75% LTV product is now priced at 4.89%, down from 5.19%, and also comes with £1,000 cashback.

For further information on all Fleet Mortgages’ products, please visit: www.fleetmortgages.co.uk/products/

Steve Cox, Chief Commercial Officer at Fleet Mortgages, commented:

“The introduction of these new one-year fixed-rate products adds another option for advisers and their landlord borrower clients at a time when there is still considerable focus on the direction of rates and the increased cost of longer-term fixes.

“We know different landlords have very different requirements, and there will be borrowers who value the payment certainty of a fixed rate but do not necessarily want to make that commitment for two to five years. These new products provide that shorter-term alternative across Standard, Limited Company and HMO/MUFB, and importantly they are available to both new and existing customers.

“We have also made a significant 30 basis point reduction to our two-year HMO/MUFB product with a 3% fee, bringing the rate down to 4.89%, while retaining the £1,000 cashback.

“Professional and portfolio landlords continue to make up a significant part of the buy-to-let market, and advisers need access to a broad range of products to meet what can be very different financing needs. The introduction of these new products increase that choice and give advisers further options when discussing the next step with their landlord clients.”