Written by Mark Langshaw Reviewed by Lee Trett
18 July 2026
Lowest rate is currently 4.69% - 27 months fixed interest only mortgage at 65% LTV
7 July 2026
Lowest rate is currently 4.49% - 28 months fixed interest only mortgage at 65% LTV
26 June 2026
Lowest rate is currently 4.57% - 28 months fixed interest only mortgage at 65% LTV
22 June 2026
Lowest rate is currently 4.67% - 27 months fixed interest only mortgage at 65% LTV
14 June 2026
Lowest rate is currently 4.67% - 28 months fixed interest only mortgage at 65% LTV
18 April 2024
First Published
Compare Godiva Mortgages rates online
Godiva Mortgages is an intermediary-only subsidiary of the Coventry Building Society. Specialising in buy-to-let mortgages, Godiva Mortgages offers a range of variable and fixed-rate deals and boasts award-winning customer service. The company promises a quick response time and competitive rates.
You can compare the latest rates from this mortgage lender against more than 90 others by using our free mortgage sourcing tool below:
Top
Rates last updated
Fetching the latest mortgage rates…
This usually takes a few seconds.
No matching rates found
Try widening your filters or adjusting the loan amount.
Interest rate
%
Full product details
%
- Lender
- Product ID
- Term
- Type
- Repayment method
- Max LTV
- %
- Min deposit
- %
- Monthly cost
- Total payable
- APR
- %
- Lender fee
- Rate after deal ends
- %
Early repayment charge
Speak to your adviser
Representative example
A repayment mortgage of over year, APR %. Total payable (incl. product fees of ). Repayments: months at (%), then months at (%, variable). Early repayment charges apply. Rates not guaranteed.
About these rates
Rates shown are illustrative based on the property value, mortgage amount, and term you entered above. Actual rates and total cost depend on your credit profile, deposit, and lender assessment. APR figures include product fees where applicable. Early repayment charges may apply. Rates are not guaranteed and may change before you apply - speak to an adviser to confirm what's available to you today. For a per-product representative example, open Show full details on any card above.
What kind of mortgages do Godiva offer?
Godiva Mortgages specialises in the buy-to-let sector. Much of their product range is aimed at landlords and it is dominated by fixed-rate buy-to-let mortgages, with introductory rates periods of 2-5 years. Tracker buy-to-let mortgages are also available as part of its 'Flexx' range.
In addition to standard buy-to-let mortgages, Godiva also offer the following products:
- Portfolio mortgages
- Buy-to-let remortgages
- Green additional borrowing
Do they offer residential mortgages as well?
Godiva no longer offer residential mortgages, but anyone who has an existing mortgage with them is able to refinance onto a new deal. Their residential remortgage range is dominated by fixed-rate deals, with introductory rates periods of 2-10 years.
Income and LTV requirements
Godiva's buy-to-let mortgages have no minimum personal income requirement as affordability is based on projected rental returns. Their maximum loan-to-value ratio (LTV) is 75%, meaning you need a deposit of at least 25% of the property's value.
What rates are available on Godiva's buy-to-let mortgage range?
Godiva's mortgage rates are generally competitive with other buy-to-let lenders. The exact rate you qualify for with them will depend on how much deposit you have, the overall strength of your application and the type of product you choose.
Compare today's best mortgage rates
We work with 90+ UK mortgage lenders, including Godiva. You can use our service to compare mortgage rates from across the market to find the right deal.
Our mortgage sourcing tool is FREE and will show you the latest deals from Godiva and others so you can make an informed decision about which to choose.
Click the button below to get started comparing the entire market for free.
Are Godiva a good mortgage lender?
Godiva holds a rating of 3/5 on TrustPilot, but this is based on just 11 customer reviews (at the time of writing). Customers have rated the lender 3.8/5 on Google Review, based on feedback from 57 people (at the time of writing).
The Coventry Building Society subsidiary is highly rated n the industry and was named as the UK's top buy-to-let mortgage provider by brokers in 2020, in a survey by Smart Money People.
Pros and cons
The table below shows the advantages and disadvantages of Godiva Mortgages as a lender to help you decide whether they are right for you:
|
Advantages |
Disadvantages |
|
Competitive rates available |
Product range is relatively small |
|
Term lengths are flexible, with 1-40 years available |
Do not offer company buy-to-let mortgages |
|
Options available for customers seeking green additional borrowing |
Those with more severe bad credit may need to look elsewhere |
|
Able to accept borrowers with some bad credit types |
No options for first-time buyers |
Get independent advice about Godiva mortgages
You need a mortgage broker on your side to apply for Godiva Mortgages' products, and as a whole-of-market mortgage brokerage, Money Helpdesk can provide you with access to them.
Moreover, our brokers can do all of the legwork comparing their rates and deals for you, and since they have access to the entire market, you can rest assured you're getting the ideal mortgage for you, whether that's with Godiva or an equivalent product with one of their competitors.
Get started here to speak to a broker who specialises in Godiva Mortgages' product range.
If you want to redeem your mortgage, call Godiva's parent company Coventry Building Society on 0800 121 8899 or vist one of their local branches to request one. The request should be placed a minimum of five working days before the expected redemption date.
You will need to provide you mortgage account or roll numbers, and if a solicitor or conveyancer is requesting a statement on your behalf, they will need your written consent.
Godiva's buy-to-let mortgages are available over terms of 1-40 years.
Godiva Mortgages offers lower interest rates to existing customers who borrow more and spend at least half of the amount on eligible energy efficiency home improvements. There is a cap of £25,000 on additional borrowing for this purpose.