Coventry Building Society has cut fixed mortgage rates across its range, with one of the clearest landlord changes landing in its limited company buy-to-let remortgage products for greener properties. The standout deal now listed by Godiva Mortgages is a five-year fixed remortgage at 5.10 percent up to 75 percent loan to value for properties rated EPC A to C, with a £1,999 fee.
The wider Coventry repricing was reported on Friday morning and covers residential as well as landlord borrowing, but the limited company buy-to-let move stands out because it keeps pressure on lenders competing for remortgage business ahead of the autumn refinance cycle. Coventry’s product pages also show lower-priced EPC A to C options within its limited company remortgage range, including fee-free and higher-fee variants.
For landlords, this matters now because lenders are still making selective cuts rather than opening the taps across every buy-to-let segment. Pricing is improving in places, but the best rates are still being steered toward lower-risk cases, stronger EPC stock and remortgage borrowers who fit neatly inside lender criteria.
Green limited company pricing is where Coventry is pushing
Mortgage Solutions said Coventry reduced fixed rates by up to 0.2 percent across its mortgage range. Within that update, the lender highlighted a five-year fixed limited company buy-to-let remortgage for EPC A to C properties at 5.1 percent with a £1,999 fee.
Coventry for intermediaries’ own product pages show why that matters. On Friday morning, Godiva Mortgages was listing multiple limited company EPC A to C remortgage products at 75 percent loan to value, including five-year fixes at 5.26 percent with no fee, 5.10 percent with a £1,999 fee and 5.01 percent with a £3,999 fee. Standard limited company buy-to-let remortgage equivalents were priced slightly higher.
That pricing gap is not huge, but it is deliberate. Lenders have spent much of 2026 trying to reward greener stock without making a broad market call on all landlord borrowing. For limited company landlords already holding EPC A to C properties, small differences like this can still matter when spread across larger loans or portfolio refinancing.
Why the headline cut does not change the wider picture
The Coventry move adds to a run of lender repricings, but it does not yet point to a full reset in landlord finance costs. Landlords still need to look past the headline rate and check fee structures, stress testing, property type rules and whether the deal works better than a simple product transfer elsewhere.
This follows Landlord Knowledge’s report on Paragon’s latest buy-to-let range refresh, which showed another lender using sharper pricing on greener and specialist stock to compete for broker attention. Combined with that update, Coventry’s move suggests lenders still see EPC-rated and limited company remortgage business as one of the cleaner ways to win volume without loosening the whole market.
A practical warning for landlords is that green pricing only helps where the property already qualifies. Coventry states that if an EPC A to C product is selected for a property rated D or below, the case will be cancelled. That makes the rate cut useful, but only for borrowers whose paperwork and property standards are already in order.
What this means for landlords
- If you’re remortgaging through a limited company: compare Coventry’s new EPC A to C pricing against product transfers and specialist lender alternatives, not just the headline rate.
- If your property is rated D or below: do not assume you can access the cheaper green deals without first improving the EPC position.
- Watch for: more lenders using green pricing gaps and selective remortgage cuts rather than broad reductions across every buy-to-let product type.
- Bottom line: Coventry has trimmed a useful part of the market, but the cheapest landlord borrowing is still being reserved for cleaner cases and better-rated stock.
Editor’s view
This is the sort of lender move landlords should read carefully rather than celebrate too quickly. The rate cut is real, but it is another reminder that the cheapest money is being channelled toward borrowers who already fit the mould – and that leaves weaker stock and messier cases paying more.
Author: Editorial team
Published: 14 August 2026
Sources: Mortgage Solutions; Coventry for intermediaries / Godiva Mortgages
Related reading: Paragon refreshes buy-to-let range from 3.55%
