Layered Companies with Aldermore

Aldermore launches a new 5-year buy-to-let fix tomorrow at 5.94% up to 75% LTV. Vanilla Landlords can still find cheaper headline rates elsewhere. This deal looks built for landlords who care about structure, speed, and upfront cost.

There is no product fee. Valuation is free. Remortgages get fee-assisted legals. And the product is open to individuals, limited companies, trading companies, and layered company structures.

That last point is where this gets interesting.

A few landlords now hold property through more complex company setups. Some sit within layered structures for tax, ownership, or long-term planning reasons.

Those cases can quickly narrow down lender choices. I wouldn't recommend a complex setup by default for that reason, so few good lending options, but this is one! So while 5.94% is not a market-leading rate on its own, the broader packaging could make this far more usable than a cheaper deal with tighter rules. A low rate and a decline is worthless.

The no-fee angle matters too. Help you keep cash in the business. That may mean preserving liquidity for repairs, voids, compliance work, or a future purchase. etc Moneyfacts says the average 5-year fixed buy-to-let rate at 75% LTV was 5.78% on 1 April 2026. So this Aldermore launch sits above that average on rate alone.

For plain vanilla borrowers with a simple setup, a cheaper rate elsewhere may still win. For landlords using layered companies, or those remortgaging and trying to keep upfront costs low, this could be a much more serious contender than the rate suggests.

Launching Tomorrow, your mortgage adviser will have it on their systems soon after.