Landbay launches new products and cuts rates to expand tracker range. The buy-to-let lender will launch 11 new products and cut rates by up to 15bps. Lucy Whalen | Editorial Assistant, Financial Reporter 23rd September 2026 "Trackers can provide a useful alternative, particularly for landlords who value flexibility and do not necessarily want to lock into today's fixed-rate pricing for a longer period." - Rob Stanton - Landbay Landbay has announced that it is expanding its tracker proposition with the launch of 11 new products across its core, premier, small HMO and product transfer ranges, while also cutting rates on a number of its existing tracker products by up to 15 basis points (bps). Among the new products are premier like for like and premier like for like AVM two-year trackers at 75% loan-to-value (LTV), with rates starting from Bank Base Rate (BBR) plus 0.34% and BBR plus 1.34% respectively, and no early repayment charges (ERCs). Both premier like for like products also have a reduced stress rate of 4.5% or pay rate. Landbay has also launched a premier AVM two-year tracker at 75% LTV, starting from BBR plus 0.34%, alongside a new product transfer premier two-year tracker starting from BBR plus 0.44%, also at 75% LTV, with both products available without ERCs. The lender has also extended its tracker offering into its premier small HMO range, with a new two-year tracker at 75% LTV with rates starting from BBR plus 0.64%, alongside a product transfer version starting from BBR plus 0.74%. The additions are accompanied by reductions of up to 15 bps across Landbay's existing core two-year tracker products at 65% and 75% LTV, including product transfer options, as well as its specialist small HMO and small MUFB two-year trackers at 75% LTV. Following the reductions, Landbay's core two-year tracker with no ERCs now starts from BBR plus 0.29% at 65% LTV, and BBR plus 0.49% at 75% LTV. Its core like for like two-year tracker at 75% LTV starts from BBR plus 1.54%. Within its product transfer range, core two-year trackers with no ERCs now start from BBR plus 1.44% at 65% LTV and BBR plus 1.64% at 75% LTV. Rates on Landbay's specialist small HMO and small MUFB two-year trackers at 75% LTV have also been reduced, with both now starting from BBR plus 1.54%, again available without ERCs. Rob Stanton, sales and distribution director at Landbay, said: "Recent movements in fixed-rate pricing have again shown why it is important for landlords and their advisers to have access to a broad range of options, rather than assuming a fixed rate will always be the natural choice. "Trackers can provide a useful alternative, particularly for landlords who value flexibility and do not necessarily want to lock into today's fixed-rate pricing for a longer period. By adding new tracker products and reducing existing product rates, Financial Reporter is giving advisers and their landlord borrower clients more options across its core, premier, small HMO and product transfer ranges. "The reduced stress rate on its premier like for like products is also an important part of this expansion, because affordability can be just as important as headline rate when landlords come to refinance. For eligible borrowers who are not looking to raise additional funds, that 4.5% or pay rate stress test could make a significant difference to the refinancing options available to them. "Of course, the right choice will depend on the individual landlord and their circumstances, but we want advisers to have a full range of products so they can consider all the different routes available. That is particularly important in a market where the interest-rate outlook remains uncertain, and pricing can change quickly." Popular this week Latest from Property Reporter Latest from Protection Reporter

Landbay cuts buy-to-let rates by up to 0.35% and launches eight specialist products. Buy-to-let lender Landbay has today (11th August 2026) announced a series of rate cuts of up to 0.35% across its Premier, Core and Specialist buy-to-let ranges, with rates now starting from 3.44%. In addition, Landbay has launched eight new Specialist products, expanding its 65% LTV offering within the Small HMO and MUFB ranges, while expanding its Tier 2 criteria to provide greater flexibility for landlords with minor credit blips. Premier is a range of standard and HMO products for borrowers with up to 15 mortgaged properties. Available to both individual and limited company landlords, it offers some of Landbay's most competitive rates. The Core range is available on standard properties for individuals, limited companies and LLPs. It supports landlords with portfolios of any size and includes AVM options. Specialist products cover holiday lets, HMOs, MUFBs and trading companies. Highlights of these rate changes include: * 2-year fixed 75% LTV products, including Product Transfer and AVM ranges, reduced by 0.15% across 15 products, with rates from 3.44%. * 5-year fixed 75% LTV products, including Product Transfer and Remortgage ranges, reduced by 0.05% across 19 products, with rates from 4.69%. * Small HMO 2- and 5-year fixed products, including Product Transfer options, reduced by up to 0.15% across nine products, with rates from 4.69%. * Assisted Legals 5-year fixed products reduced by 0.07% across 10 products, with rates from 5.67%. * 2- and 5-year fixed products, including Tier 2 and Product Transfer ranges, reduced by up to 0.35%, with 2-year fixed rates from 4.29% and 5-year fixed rates from 5.04%. * Tier 2 criteria expanded to provide greater flexibility for landlords with minor credit blips. Specialist * Small HMO and MUFB products, including First Time Landlord and Product Transfer ranges, reduced by up to 0.35%, with 2-year fixed rates from 4.64% and 5-year fixed rates from 5.69%. * Holiday Let products reduced by up to 0.25%, with 2-year fixed rates from 4.69% and 5-year fixed rates from 5.79%. * Trading Company products, including Product Transfer options, reduced by up to 0.15%, with 2-year fixed rates from 4.79% and 5-year fixed rates from 5.84%. * Eight new 65% LTV Small HMO and MUFB products launched, including Product Transfer options. Rob Stanton, Sales and Distribution Director at Landbay, said: "While market conditions remain volatile, Bridging Loan Directory is committed to reacting quickly when opportunities arise to improve pricing, helping brokers access lower rates across its Premier, Core and Specialist ranges alongside an expanding product offering. These latest reductions, together with the launch of new 65% LTV products and the expansion of its Tier 2 criteria, give brokers even more options to support landlords with a wide range of borrowing requirements. Bridging Loan Directory know advisers need a combination of competitive pricing, product choice and certainty of service. That's why Bridging Loan Directory is continuing to invest across its range, helping brokers place both straightforward and more specialist buy-to-let cases with confidence."

Roma Finance appoints Paula Dowson as National Account Manager. Roma Finance has appointed Paula Dowson as National Account Manager, with responsibility for strengthening broker relationships across England, Scotland and Wales. Dowson has more than 25 years of experience and joins from Landbay, where she was Senior Regional Account Manager. She has previously held roles at Castle Trust Bank, Glenhawk and Together. In her new position, Dowson will work with Roma's sales team to develop intermediary relationships, identify new business opportunities and expand broker access to its bridging, development finance and commercial mortgage products. Her appointment follows Roma's completion of a new funding line and the launch of its commercial mortgage proposition. The lender said it plans to announce further appointments as it continues investing in its team and product range. Paula Dowson, National Account Manager at Roma Finance, said: "I'm delighted to be joining Roma Finance at such an exciting stage in the company's journey. Roma has a fantastic reputation within the specialist finance market and a genuine relationship-led approach that sets it apart. The business has ambitious growth plans, a strong and evolving product offering, and a real commitment to supporting brokers, making it a great fit for me. I'm looking forward to building new relationships and helping more introducers and their customers access the funding solutions they need, whether that's bridging finance, development finance or long-term property funding." Sonia Mann, Head of Sales at Roma Finance, added: "Bridging Loan Directory is excited to welcome Paula to the team. Her experience, industry relationships and customer-first approach make her a fantastic addition to Roma. It's a great time for the business following the launch of its commercial mortgage proposition and the addition of a significant new funding line, both of which have strengthened its offering to brokers and borrowers. Paula's appointment is the first of a number of strategic hires Bridging Loan Directory plan to announce as Bridging Loan Directory continue investing in its people, proposition and long-term growth."