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Paragon Mortgages

Paragon offers landlords and property investors a selection of fixed rate and tracker buy to let mortgages.

Compare mortgages

Reason for mortgage
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years
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Stepped until 31/10/2017
Initial rate
2.75%then 5.1% (variable)
Fees
£4,160fees
Overall cost
5.0%APRC
Monthly cost
£738.10 for 13 months then £936.45 (variable)
for 287 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £282,515 includes: Loan amount (£160,000); Interest (£118,355); Application fee (£3,200); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Stepped until 31/10/2017
Initial rate
2.75%then 5.1% (variable)
Fees
£4,160fees
Overall cost
5.0%APRC
Monthly cost
£738.10 for 13 months then £936.45 (variable)
for 287 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £282,515 includes: Loan amount (£160,000); Interest (£118,355); Application fee (£3,200); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Stepped until 31/10/2017
Initial rate
2.75%then 5.1% (variable)
Fees
£4,160fees
Overall cost
5.0%APRC
Monthly cost
£738.10 for 13 months then £936.45 (variable)
for 287 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £282,515 includes: Loan amount (£160,000); Interest (£118,355); Application fee (£3,200); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2017
Initial rate
2.85%then 5.35% (variable)
Fees
£3,455fees
Overall cost
5.2%APRC
Monthly cost
£746.31 for 13 months then £959.44 (variable)
for 287 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £288,516 includes: Loan amount (£160,000); Interest (£125,061); Application fee (£2,495); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2017
Initial rate
2.85%then 5.35% (variable)
Fees
£3,455fees
Overall cost
5.2%APRC
Monthly cost
£746.31 for 13 months then £959.44 (variable)
for 287 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £288,516 includes: Loan amount (£160,000); Interest (£125,061); Application fee (£2,495); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2017
Initial rate
2.85%then 5.35% (variable)
Fees
£3,455fees
Overall cost
5.2%APRC
Monthly cost
£746.31 for 13 months then £959.44 (variable)
for 287 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £288,516 includes: Loan amount (£160,000); Interest (£125,061); Application fee (£2,495); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2017
Initial rate
3.25%then 5.35% (variable)
Fees
£2,959fees
Overall cost
5.3%APRC
Monthly cost
£779.71 for 13 months then £961.01 (variable)
for 287 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £288,905 includes: Loan amount (£160,000); Interest (£125,946); Application fee (£1,999); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2017
Initial rate
3.25%then 5.35% (variable)
Fees
£2,959fees
Overall cost
5.3%APRC
Monthly cost
£779.71 for 13 months then £961.01 (variable)
for 287 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £288,905 includes: Loan amount (£160,000); Interest (£125,946); Application fee (£1,999); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2017
Initial rate
3.25%then 5.35% (variable)
Fees
£2,959fees
Overall cost
5.3%APRC
Monthly cost
£779.71 for 13 months then £961.01 (variable)
for 287 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £288,905 includes: Loan amount (£160,000); Interest (£125,946); Application fee (£1,999); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
3.4%then 5.1% (variable)
Fees
£3,360fees
Overall cost
4.9%APRC
Monthly cost
£792.44 for 24 months then £933.99 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £280,160 includes: Loan amount (£160,000); Interest (£116,800); Application fee (£2,400); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
3.4%then 5.1% (variable)
Fees
£3,360fees
Overall cost
4.9%APRC
Monthly cost
£792.44 for 24 months then £933.99 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £280,160 includes: Loan amount (£160,000); Interest (£116,800); Application fee (£2,400); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2019
Initial rate
3.45%then 5.35% (variable)
Fees
£3,360fees
Overall cost
5.0%APRC
Monthly cost
£796.71 for 36 months then £950.06 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £282,857 includes: Loan amount (£160,000); Interest (£119,497); Application fee (£2,400); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2019
Initial rate
3.45%then 5.35% (variable)
Fees
£3,360fees
Overall cost
5.0%APRC
Monthly cost
£796.71 for 36 months then £950.06 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £282,857 includes: Loan amount (£160,000); Interest (£119,497); Application fee (£2,400); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2019
Initial rate
3.55%then 5.35% (variable)
Fees
£2,459fees
Overall cost
5.0%APRC
Monthly cost
£805.29 for 36 months then £951.10 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £282,540 includes: Loan amount (£160,000); Interest (£120,081); Application fee (£1,499); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2019
Initial rate
3.55%then 5.35% (variable)
Fees
£2,459fees
Overall cost
5.0%APRC
Monthly cost
£805.29 for 36 months then £951.10 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £282,540 includes: Loan amount (£160,000); Interest (£120,081); Application fee (£1,499); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
3.65%then 5.1% (variable)
Fees
£3,360fees
Overall cost
5.0%APRC
Monthly cost
£813.93 for 24 months then £935.68 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £281,142 includes: Loan amount (£160,000); Interest (£117,782); Application fee (£2,400); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
3.65%then 5.1% (variable)
Fees
£3,360fees
Overall cost
5.0%APRC
Monthly cost
£813.93 for 24 months then £935.68 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £281,142 includes: Loan amount (£160,000); Interest (£117,782); Application fee (£2,400); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2017
Initial rate
3.65%then 5.35% (variable)
Fees
£2,959fees
Overall cost
5.3%APRC
Monthly cost
£813.93 for 13 months then £962.52 (variable)
for 287 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £289,782 includes: Loan amount (£160,000); Interest (£126,823); Booking fee (£150); Application fee (£1,999); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2017
Initial rate
3.65%then 5.35% (variable)
Fees
£2,959fees
Overall cost
5.3%APRC
Monthly cost
£813.93 for 13 months then £962.52 (variable)
for 287 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £289,782 includes: Loan amount (£160,000); Interest (£126,823); Application fee (£1,999); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2017
Initial rate
3.65%then 5.35% (variable)
Fees
£2,959fees
Overall cost
5.3%APRC
Monthly cost
£813.93 for 13 months then £962.52 (variable)
for 287 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £289,782 includes: Loan amount (£160,000); Interest (£126,823); Application fee (£1,999); Booking fee (£150); Valuation fee (£545); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Paragon Mortgages

Paragon Mortgages is part of the Paragon Group of Companies and was formed in 1995. It was originally called Homeloans Direct. Today Paragon Mortgages is a specialist provider of buy to let mortgages for professional landlords and property investors. They also provide related services, including landlords insurance, which is designed for landlords.

Paragon offers landlords and property investors a selection of fixed rate and tracker buy to let mortgages. Their products are suitable for single units and HMOs.

Fixed rate Paragon mortgages are available in two and five year fixed rate deals. An early redemption penalty will apply if the mortgage is paid off in full before the end of the discounted period. After the fixed rate period has expired, an interest only mortgage can be converted to a combination of interest only and capital repayment, subject to 28 days notice in writing.

Landlords can choose from a selection of tracker Paragon mortgages. Lifetime tracker deals are available and there are also two and five year tracker deals.

Paragon Mortgages limited refurbishment products are suitable for landlords wishing to buy and refurbish a property. A minimum works valuation of £75k applies. The refurbishment scheme is only available for single unit properties; it is not suitable for HMOs or part-commercial properties.

Paragon customers can apply for a further advance on their mortgage or amend the details of a product. To do this, landlords must contact Paragon via telephone or email.

The maximum amount a landlord can borrow from Paragon Mortgages is £5 million; the minimum amount is £30k. Applicants must have a gross annual income of at least £25k per annum. Buy to let mortgages are available for terms of 5 to 25 years.

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