About Fleet mortgage

Fleet Mortgages was founded in 2013. They specialise in buy to let mortgages for landlords, limited companies and people who need finance for Houses in Multiple Occupation (HMOs).

In January 2019, Fleet Mortgages stopped providing new mortgages while they waited for their next funding line to become available.

Note: Fleet Mortgages lends solely through intermediaries. In this review we’ll cover:

All information on this page was up to date as of August 2019.

Is Fleet Mortgages a good mortgage lender?

We look at public complaints data to estimate a lender’s quality of service.

Unfortunately Fleet Mortgages’ customer complaints records are currently unavailable, but we’ll update this page as soon as we have access to them.

Fleet Mortgages scorecard:

  • Fleet Mortgages is a good mortgage lender for buy to let mortgages

  • Fleet Mortgages does not offer high LTV mortgages

How long a Fleet Mortgages application takes

We don’t currently have access to data on how long a Fleet Mortgages application takes. 

What affects the time taken to approve my application

The time it takes a lender to approve an application depends on your personal circumstances and how busy the lender is.

It can take as little as 24 hours to approve some applications, but some can take weeks or even months.

The quality of the application can affect the approval time. A mortgage broker can help by making sure your application has all the details the lender needs.

These details were last updated in July 2020.

How much you can borrow from Fleet Mortgages

We don’t have access to Fleet Mortgages’ affordability data.

You’ll have to contact them directly to find out more.

Fleet mortgage calculator

Calculate what you may be able to borrow with a mortgage from Fleet. Work out your monthly mortgage payments with a Fleet mortgage.

How much can I borrow?
Mortgage repayment calculator

Your home could be repossessed if you don't keep up repayments on your mortgage.

Talk to a mortgage broker or lender to get a more accurate remortgage savings amount.

You could borrow up to

Loan to value (LTV):00%
Including your deposit, you could afford a house price up to£000,000
Other fees you may have to pay:
Broker fee(free with Trussle)
Additional fees(learn more)

Next steps

If you're ready to get a mortgage, the next step is to answer a few more questions. Then a Trussle adviser will find the best mortgage deal for you.

Your home could be repossessed if you don't keep up repayments on your mortgage.

Talk to a mortgage broker or lender to get a more accurate remortgage savings amount.

Types of mortgages Fleet Mortgages offers

Fleet Mortgages offers buy to let mortgages for:

  • Residential landlords/standard buy to let

  • Limited companies 

  • Houses in Multiple Occupation (HMOs)

Fleet Mortgages offers mortgages up to 75% LTV. So you will need to put down a deposit of at least 25%.

If you’re buying a property to rent out to residential tenants, this type of mortgage might be for you. 

Fleet Mortgages has a selection of fixed-rate standard BTL mortgages.

You can also expand your property portfolio with Fleet Mortgages by purchasing buy-to-lets through a limited company.

Fleet Mortgages’ HMO mortgages are designed for properties with at least three tenants that form more than one household.

Getting a mortgage with Fleet Mortgages

You can only get a Fleet Mortgages mortgage from an intermediary or mortgage broker.

Fleet Mortgages mortgage offers are valid for 180 days. 

This gives you half a year to finalise everything you need to complete the purchase of your property.

If you cannot buy your home in that time, you’ll need to ask for an extension or apply again.

With Fleet Mortgages, there are no early repayment charges if you switch to a new deal online in the last 3 months before your current deal ends (or at any time if you’re on one of the bank’s lender variable rates).

Fleet Mortgages mortgage payments

Fleet mortgages will send you a letter within 10 days of completion. This will confirm how much your first payment will be and when it’ll be collected. 

Following the initial payment, your mortgage payments will be due in advance on the first day of each month.

You can’t make overpayments during your mortgage’s fixed rate, discount or tracker period without incurring an early repayment charge (ERC). 

However, once the early repayment charge period has ended, you can make overpayments in any amount without early repayment charges.

If you fall into financial difficulty, Fleet Mortgages may be able to extend your mortgage term or look at what you can pay for the short-term. To find out if the lender offers payment holidays, contact them directly.


Lenders will always require you to take out buildings insurance on the property. 

Contents insurance isn’t compulsory but is highly recommended.

Looking at pictures

Get a mortgage with Trussle today

  • Our remortgage customers save an average of £171 a month*

  • Trussle is fee-free for most customers**

  • 5-star Trustpilot rating from over 5,000 reviews

  • 12,000 mortgage deals from 90 lenders

  • Skip the paperwork: apply online any time

*The savings figure is from Trussle mortgage customers in September 2022. **You may have to pay a fee depending on your circumstances and credit history. Learn more.

Your home could be repossessed if you don't keep up repayments on your mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage.

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Information sourced primarily from Fleet Mortgages’ own website, unless otherwise stated below:

¹ UK Finance ² Financial Conduct Authority