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If your current buy to let mortgage deal is ending, or you want to remortgage to release equity, reduce your monthly payments, or move to a more competitive rate, you have more options than you might think.
The buy to let remortgage market has changed significantly, and the mortgage rates available today may be very different from when you first took out your mortgage.
Many landlords stay on their lender’s standard variable rate (SVR) after their fixed rate ends, paying hundreds more each month than they need to. Others want to remortgage but find the process confusing, especially with changing interest rates, shifting lender criteria, and new affordability rules based on rental income.
That’s where our mortgage broker service helps. We specialise in buy to let remortgages and work with over 180 lenders, including high street names like NatWest, Metro & Barclays, as well as specialist BTL lenders who offer deals you will not find on comparison sites.
The problem is that buy to let remortgaging has become a web of constantly changing criteria. What counted as adequate rental coverage last year might fail this year’s stress test.
We specialise in buy to let remortgages and know exactly which lenders want your type of property, tenant, and situation right now not last year, not in theory, but today. We know which lenders will:
• Accept HMOs, multi units, and ex-local authority properties
• Work with limited companies and complex ownership structures
• Use top slicing when rental doesn’t quite meet coverage
•Consider portfolio landlords with 10+ properties
• Release maximum equity for further investments
• Work with DSS tenants and students
•Offer products for holiday lets and serviced accommodation
We help landlords across the UK remortgage all types of buy to let properties. Whether you own one rental property or a large portfolio, our advice is tailored to your specific circumstances.
Common situations we deal with include individual landlords remortgaging a single buy to let home, portfolio landlords with multiple properties looking for the best mortgage deals across their holdings, limited company landlords who need lenders that specialise in SPV lending, landlords whose rental income has changed and need a mortgage product with more flexible affordability criteria, and property investors looking to release equity to buy more properties.
Yes. We arrange buy to let remortgages for properties across England, Wales, and Scotland. We have access to lenders who will consider properties in any location, including rural areas, non-standard construction, and properties without standard access.
A mortgage broker gives you access to a much wider range of mortgage rates and deals than any single lender. <p>We work with over 180 lenders and providers, including many who do not deal directly with the public. We know which lender suits which situation, so we can find you the right remortgage option faster and often at better rates than you would find on your own.<p> Our advice is completely free and there is no obligation.
Many buy to let remortgage deals include free legal work and a free property valuation, meaning the only cost is any arrangement fee charged by the new lender (which can often be added to the mortgage). You should also check whether your existing mortgage has an early repayment charge, as this could affect the timing of your remortgage. We do not charge a fee for our mortgage broker service.
Potentially, yes. Some lenders use a process called top-slicing, where they consider your other personal income alongside your rental income when assessing affordability. We know which lenders offer this, and which BTL products give you the best options when rental coverage is tight.
Most buy to let remortgages complete within four to eight weeks. Straightforward cases with clean documentation and cooperative lenders can sometimes complete more quickly. Complex cases involving multiple properties, unusual property types, or limited company structures may take longer. We keep you updated throughout the process.
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The buy to let remortgage process typically takes four to eight weeks from application to completion.
Here is what to expect: We start with an initial consultation, either over the phone or from our office, where we review your existing mortgage, property details, rental income, and what you want to achieve.
We then search the market and present you with the best remortgage options.
Once you choose a deal, we handle the mortgage application, liaising with the lender on your behalf.
The lender will arrange a property valuation, and the remortgage legal work (often called conveyancing) is handled by solicitors.
Many BTL remortgage deals include free legal work and free valuations, which can save you over a thousand pounds in costs.
Please call us using the telephone numbers below. Alternatively please use the contact form and we will get back to you as soon as possible.