Fleet Mortgages
Specialist LenderFleet Mortgages, now part of Starling Bank, is a specialist buy-to-let lender serving professional landlords and portfolio investors. They offer products for standard BTL, HMO, holiday lets, and limited company structures, with a strong reputation for competitive rates and fast processing.
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Lending Focus
Fleet Mortgages offers mortgage products across 4 categories including Buy-to-Let, Limited Company, HMO and 1 more.
Key Features
- Specialist BTL with Starling Bank backing
- Holiday let mortgage products
- HMO lending for professional landlords
- Limited company and portfolio lending
- Competitive rates with efficient processing
Pros & Cons
Pros
- Backed by Starling Bank providing strong digital infrastructure
- Holiday let mortgage products — a niche many lenders avoid
- Competitive rates for standard and specialist BTL
- Limited company and portfolio lending available
Cons
- –Broker-only — cannot apply direct
- –Buy-to-let only — no residential products
- –Does not accept adverse credit
Fees & Charges
Arrangement Fee
Typically £995–£1,495 depending on product
Valuation Fee
Based on property value — usually £200–£1,200
Early Repayment Charge
Typically 2–5% during fixed-rate period
Overpayment Allowance
Up to 10% per year on most products
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Fleet Mortgages. In the meantime, visit their website for the latest rates.
View rates on Fleet MortgagesApplication Process
Processing Time
2–3 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months
Lending Criteria
Maximum LTV
80%
Frequently Asked Questions
Is Fleet Mortgages part of Starling Bank?
Does Fleet Mortgages offer holiday let mortgages?
Can I get an HMO mortgage from Fleet Mortgages?
What is Fleet Mortgages' maximum LTV?
How to Apply
Broker Only
Fleet Mortgages products are only available through mortgage brokers. Use our broker directory to find a broker with Fleet Mortgages on their lender panel.
Contact Information
Need a Fleet Mortgages Broker?
Find FCA-regulated mortgage brokers who have Fleet Mortgages on their lender panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.