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What lenders weigh when pricing build to rent cases — not live quotes. Use our calculators and speak to an FCA-authorised broker for firm-specific numbers.
Reviewed by David Sampson, Founder & Director
Not FCA-authorised · Directory only · Verify on FCA register
Rate data coming soon. Mortgage118 does not publish live or indicative rate bands.
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
These factors shape whether a build to rent case is accepted and how it is priced. They are not a quote.
Use our mortgage calculators for scenario planning and compare brokers who specialise in build to rent.
These are the strongest factors lenders weigh when setting pricing.
Common charges to plan for alongside the headline rate.
Arrangement fee
Lender facility fee
Typically 1% - 2%
of the facility
Valuation and monitoring
Value, cost and build inspections
Deal-specific
higher on a development facility
Legal fees
Facility documents and security
Deal-specific
usually paid by the borrower
Broker fee
Arrangement of the facility
Agreed in advance
often a percentage on completion
Quick answers to common pricing questions.
Lenders usually look for companies or professional landlords with development, investment or lettings experience, plus cash to cover build costs, voids and interest. First-time landlords are rarely the target borrower.
They look at the site, planning, build cost, rental demand, the specification of the homes, who will manage them, and how the loan will be refinanced or repaid. Completed schemes are assessed on value and rental income.
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 details directly and seek independent advice before making financial decisions.