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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About Fleet Mortgages
Fleet Mortgages was established as a specialist buy-to-let lender serving professional landlords and portfolio investors. The lender built a strong reputation for competitive rates and fast processing before being acquired by Starling Bank in 2021. Fleet now operates as Starling's specialist BTL arm, combining Fleet's intermediary expertise with Starling's digital capabilities.
Fleet offers products for standard buy-to-let, HMO, holiday lets, and limited company structures. The lender serves experienced landlords with a range of property types and portfolio sizes. Fleet is known for efficient processing and competitive pricing in the specialist BTL market.
Fleet Mortgages is broker-only and works exclusively through mortgage intermediaries. The acquisition by Starling has provided funding stability and the opportunity to leverage Starling's technology. Fleet is regulated by the FCA.
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. View rates on Fleet Mortgages
| 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 |
Application 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 available through mortgage brokers. Find a broker with Fleet Mortgages on their 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.