buy to let mortgages
Buy to let Remortgage Promotion
Information on this page is for information purposes only. It is not intended as investment advice
Remortgage Promotion
As a buy-to-let landlord, your mortgage is one of the most significant factors influencing your profitability. Whether you’re managing a single property or a growing portfolio, regularly reviewing your mortgage could save you thousands of pounds and improve your overall returns.
Why Should You Review Your Buy-to-Let Mortgage?
Interest Rates Change: The mortgage market is constantly evolving, and what was a great deal a few years ago may no longer be competitive. By reviewing your mortgage, you can take advantage of lower rates or better terms.
Fixed-Rate Periods Expire: If your fixed-rate deal is coming to an end, you may automatically move to your lender’s Standard Variable Rate (SVR), which is often much higher. Reviewing your mortgage before this happens can help you avoid unnecessary costs.
Increase Your Cash Flow: A lower interest rate or better mortgage terms can significantly reduce your monthly payments, leaving you with more cash flow to reinvest or cover unexpected expenses.
Access Equity: With property prices rising in many areas, you may have built up equity in your buy-to-let property. A remortgage could allow you to release this equity to expand your portfolio or make improvements.
Let’s get started…. please complete the Your Enquiry form
Remortgage buy to let deals
What buy to let remortgage rates can we offer?
The rates available for a buy to let remortgage will depend on your situation and the property type but as a guide you can see some mainstream buy to let rates on our buy to let best buys page.
You will need to think about your plans for this property. Are you planning to sell this property in the short term
Do you have a preference for whether the interest rates are fixed or variable. How would you feel if your mortgage interest rates were to rise sharply
Read more about remortgaging a buy to let property
When to Remortgage your Buy to let
You should review your mortgage annually or towards the end of a fixed or discount period.
The profit you make as a landlord is the difference between the rental income and your property costs of which the largest expense is often the mortgage.
So it makes sense to shop around for the best buy to let rates.
Why use Mortgages Direct for a Buy to let remortgage
There is a strong argument for employing Mortgages Direct for your Buy to let remortgage
Let’s look at some of the benefits….
It is important to take into account the costs of remortgaging
A Broker can help identify the best deals over a particular time-frame
Mortgage lenders are very pedantic about who they will lend to and in what circumstances.
Can I arrange my own buy to let remortgage
You can, however this is NOT recommended
Are you sure you have located the best deal?
Are you sure you qualify
Do you have the time to manage a mortgage application
You may not be told about a certain requirement – which might cause your application to be declined with any surveyor or legal expenses lost. No lender will guarantee a mortgage. It will ALWAYS be subject to underwriting and Survey
For example, what if your buy to let property were a flat. What if the flats were ex-local authority. Have you discussed this aspect with the new lender? Some lenders are unhappy to mortgage ex local authority flats. This may not become an issue until AFTER the survey has been done
No Mortgage Broker can guarantee that a Mortgage application will be successful, however you will have a better chance of success when your application is submitted by a Broker
How to remortgage your buy to let property using us
Please begin the process by filling in the Your Enquiry form
Your questions answered
Frequently asked questions
Can you do buy to let remortgages for limited companies?
Yes, of course. Please read more about Buy to let Mortgages for Limited companies
Are remortgages for HMO Property available
Yes. You will need to have a current HMO licence issued by the local authority. Read more about HMO property here
Can you remortgage my home as a buy to let
Yes. This situation is known as let to buy and we have an article about let to buy here
We have inherited a property can we remortgage this property as a buy to let
Yes, you will need to wait for Probate to be granted before the mortgage can complete. The mortgage should be in the name of the beneficiaries
Can I remortgage a freehold property containing several self contained flats
Yes, we have buy to let lenders that can consider this type of property