Better rates for your rental property
Whether your deal is ending, you want to release equity, or you’re expanding your portfolio—find the right buy-to-let remortgage in minutes.
Your BTL property
Common reasons landlords remortgage
Whether you’re saving money or growing your portfolio, we can help.
Deal ending soon
Your fixed rate is expiring and you’re about to move to a higher rate. Lock in a new deal before your payments jump.
Release equity
Your property has grown in value. Release some of that equity to fund deposits on new properties or other investments.
Grow your portfolio
Refinance existing properties to free up capital for your next purchase. Many portfolio landlords use this strategy to expand.
Move to a limited company
Restructuring your portfolio into a limited company? We can help you find the right lending for SPV structures.
Change your term
Extend your term to reduce monthly payments and improve cash flow, or shorten it to build equity faster.
Get a better rate
Rates have dropped or your LTV has improved. Even a small rate reduction can make a big difference to your yield.
BTL lending is different
Buy-to-let mortgages work differently to residential ones. Here’s what you need to know.
It’s based on rent, not salary
Rental coverage is key
Lenders check that your rent covers the mortgage payment—usually by 125-145%. This is called the Interest Coverage Ratio.
Your income still matters
Most lenders require a minimum personal income (often £25k) even though the property’s rent is the main factor.
Higher deposits than residential
Expect to need at least 25% equity. Better rates kick in at 40% equity or more.
Personal vs limited company
Personal name
Simpler to set up and manage. Rental income is taxed as personal income. Good for smaller portfolios.
Limited company (SPV)
Corporation tax on profits instead of income tax. Better for higher-rate taxpayers or larger portfolios.
We compare both
Tell us your situation and we’ll show you deals for both personal and limited company structures.
Portfolio landlord? If you own 4 or more mortgaged properties, you’re classed as a portfolio landlord. Different rules apply, but don’t worry—we work with lenders who specialise in this.
How to remortgage your BTL
From first enquiry to completion, here’s what to expect.
Tell us about your property
Property value, current rent, existing mortgage balance, and whether it’s in your name or a company.
See your options
We search 50+ BTL lenders and show you deals that match your rental income and property type.
Speak to a BTL specialist
A qualified adviser reviews your situation, explains the options, and recommends the best deal for your circumstances.
Application & valuation
We submit your application and the lender arranges a valuation. You’ll need to provide income docs and tenancy details.
Legal work & completion
Solicitors handle the legal transfer. Once complete, your new mortgage begins and any equity release funds are paid out.
BTL remortgage questions
How much can I borrow on a BTL remortgage?
It depends on the rental income, not your salary. Lenders typically require the rent to cover 125-145% of the mortgage payment (at a stress-tested rate). Most lenders also cap the loan-to-value at 75-80%, though some specialist lenders go higher.
Can I release equity from my rental property?
Yes, if your property has increased in value or you’ve paid down the mortgage. Many landlords use equity release to fund deposits on additional properties. The amount available depends on your loan-to-value and the rental income supporting the new, larger mortgage.
What’s the difference between personal and limited company BTL?
With a personal BTL, rental profit is taxed as income. With a limited company (SPV), it’s taxed as corporation tax which can be lower—especially for higher-rate taxpayers. Company mortgages often have slightly higher rates but better tax efficiency. We can help you compare both.
I’m a portfolio landlord—can you still help?
Absolutely. Portfolio landlords (4+ mortgaged properties) face stricter rules but we work with lenders who specialise in this. They’ll look at your whole portfolio’s performance, not just the individual property. We’ll find the right options for your situation.
Can I remortgage an HMO or multi-unit property?
Yes, though fewer lenders offer HMO and multi-unit mortgages. Rates may be slightly higher, and lenders often require more deposit (typically 25-30%). We have access to specialist lenders who focus on these property types.
How long does a BTL remortgage take?
Typically 4-8 weeks from application to completion, similar to residential remortgages. It can take longer for more complex situations like portfolio landlords or limited company structures. Start early—ideally 3-6 months before your deal ends.
Ready to remortgage your BTL?
Compare deals from 50+ specialist buy-to-let lenders. Takes about 2 minutes, won’t affect your credit score.
Compare BTL dealsRepresentative Example (Mortgages)
If you borrow £200,000 over 25 years, initially on a fixed rate for 5 years at 5.25% and for the remaining 20 years on the lender’s standard variable rate of 7.99%, you would make 60 monthly payments of £1,199.12 and 240 monthly payments of £1,393.46. The total amount of credit is £200,000. The total amount payable would be £418,263. The overall cost for comparison is 6.8% APR representative.
Albot is an introducer and technology platform, not a lender and not a mortgage broker. Applications submitted via Albot may be passed to Loan.co.uk Ltd, which provides mortgage advice, carries out suitability assessments, and arranges mortgages with lenders. Loan.co.uk Ltd acts as a mortgage broker, not a lender. Your home may be repossessed if you do not keep up repayments on your mortgage. Buy-to-let mortgages are not regulated by the FCA.