Rely Expands Buy to Let Range with New 85% LTV Limited Edition Products

Rely has launched a new range of 85% loan-to-value (LTV) buy-to-let products, targeting non-portfolio landlords with both single-family and complex property requirements. This expansion into higher LTV brackets, paired with rate reductions at 80% LTV, signals a push to support property investors facing tighter margins and evolving energy efficiency standards in the UK rental market.

What was announced

Rely has introduced a Limited Edition product suite specifically designed to provide higher leverage options for non-portfolio landlords. The headline feature of the launch is the availability of 85% loan-to-value (LTV) financing, a tier that has historically seen less activity in the specialist buy-to-let market compared to lower LTV brackets. These products are structured as five-year fixed rates, catering to those seeking long-term payment stability in a fluctuating rate environment. Borrowers can choose between a 2% arrangement fee or a no-fee option, allowing for flexibility in how upfront costs are managed during the acquisition or refinancing process.

The 85% LTV range is applicable to both standard single-family dwellings and more complex buy-to-let property types, widening the scope for landlords with diverse asset needs. A significant component of the new pricing structure is the integration of Energy Performance Certificate (EPC) ratings. Properties with a rating of A, B, or C are eligible for lower interest rates, providing a financial incentive for landlords holding energy-efficient assets. However, the lender has also maintained options for properties rated D or below to ensure broader market coverage for those yet to upgrade their housing stock.

In addition to the new high-LTV products, Rely has implemented rate cuts across its existing 80% LTV buy-to-let portfolio. These reductions apply to a broad spectrum of borrowers, including small, medium, and large landlords, effectively lowering the cost of borrowing for those with slightly higher equity positions across the market.

"We’re always looking at ways to broaden access to finance while ensuring our proposition remains competitive and relevant to landlords’ needs. By introducing products up to 85% LTV and reducing rates at 80% LTV, we’re giving landlords more options when it comes to securing finance, whether they’re entering the market, refinancing or looking to grow their portfolios."

Adrian Moloney, Group Lending Distribution Director, Rely.

The companies involved

Rely is a specialist lending platform that focuses on the buy-to-let sector, providing tailored financial products for property investors. The company operates through its digital platform, accessible at relyplatform.com, and positions itself as a provider of flexible financing solutions for both simple and complex property portfolios. Its product range typically addresses the needs of landlords who may fall outside the strict criteria of traditional high-street banks, offering more nuanced underwriting for various property types and borrower profiles.

The brand is linked to OSB Group through its leadership, with Adrian Moloney serving as the Group Lending Distribution Director for OSB Group. This corporate connection places Rely within a wider ecosystem of specialist financial services. OSB Group has established a significant presence in the UK mortgage market, particularly in segments requiring manual underwriting and professional landlord expertise. By operating under this umbrella, Rely can leverage broader institutional knowledge of the buy-to-let market while maintaining a focused digital-first approach for landlords seeking higher leverage options like the newly launched 85% LTV products. The company’s focus on non-portfolio landlords and complex property types suggests a strategy aimed at the more sophisticated end of the private rental sector.

What this means

The move to 85% LTV suggests a growing confidence in the resilience of the UK rental market, despite ongoing macroeconomic pressures. By targeting non-portfolio landlords with higher leverage, Rely is challenging the cautious stance many lenders have taken since the surge in borrowing costs. The inclusion of EPC-based pricing at this higher LTV level reflects a broader industry shift where energy efficiency is a core risk-mitigation tool. As regulatory pressure regarding property standards increases, lenders who fail to incentivise efficiency may find themselves holding higher-risk assets. This announcement puts pressure on other specialist lenders to match these leverage levels or risk losing market share to more aggressive platforms.