Lower your BTL rate. Keep more profit.
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Rate found by Albot
What is a buy-to-let remortgage?
A buy-to-let remortgage replaces your existing BTL mortgage with a new deal, either with your current lender or a different one. The goal is usually to get a lower rate, reduce your monthly repayments, and keep more of your rental income as profit.
Unlike a residential remortgage, BTL lenders assess affordability differently. Rental income typically needs to cover 125%–145% of the mortgage payment. Specialist BTL lenders understand this and offer products designed around how landlords actually operate.
Personal name or limited company, it doesn't matter. Remortgaging at the right time can significantly reduce your cost base and improve your portfolio's cashflow.
Remortgaging before your deal expires avoids the lender's standard variable rate (SVR), which is almost always higher than a fixed or tracker deal.
Important: Buy-to-let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments. Think carefully before securing debts against your property.
Applications are handled by specialist BTL advisers who are authorised and regulated by the FCA. You benefit from clear information on all rates, fees, and total costs before you commit to anything.
Remortgage vs Stay on SVR
Why acting now matters
New deal
Lender SVR
On a typical £200k BTL, remortgaging could save
BTL remortgages for every landlord
New to BTL or managing a portfolio? Albot finds the right deal for your situation.
Deal ending soon
Your fixed or tracker rate is expiring. Act now to avoid reverting to a higher SVR. Locking in a new deal can start up to 6 months before expiry.
Limited company landlords
Buying or holding BTL through a Special Purpose Vehicle (SPV)? We work with lenders who specialise in Ltd Co structures.
Portfolio landlords
Own four or more mortgaged properties? Portfolio lending rules apply. We match you to lenders who assess portfolios as a whole.
Release equity
Property value has risen? Remortgage to release equity and fund your next purchase, renovate, or expand your portfolio.
HMO & multi-unit
Houses in multiple occupation or multi-unit freehold blocks need specialist lenders. We know which ones work for complex property types.
First-time landlords
New to BTL? We explain your options clearly and match you to lenders who welcome first-time landlords. No jargon, no pressure.
We also help with:
Why remortgage your buy-to-let?
A well-timed BTL remortgage protects your margins and keeps your portfolio working harder. Here's why landlords do it.
Reduce your monthly repayments
A lower rate means a lower monthly payment, directly increasing the profit from each rental property. On a £200k mortgage, even 0.5% less saves over £80/month.
Avoid the lender's SVR
When your deal expires, you automatically move to the Standard Variable Rate. SVRs are typically 1–2% higher than available fixed deals. Remortgaging avoids this cost.
Release equity from your portfolio
If your property value has risen, remortgaging lets you release that equity tax-efficiently to fund further purchases or improvements, growing your portfolio faster.
Lock in rate certainty
A fixed BTL remortgage gives you predictable monthly costs for 2, 3, or 5 years. Easier to budget, easier to plan further investment.
Switch to a better structure
Remortgaging is an opportunity to move from personal to limited company ownership, switch lender, or restructure terms to better suit your current situation.
Access specialist BTL products
BTL lenders offer products unavailable through standard channels: better stress test calculations, interest-only options, and products designed for portfolio landlords.
Three steps to a better BTL rate
It's quick and straightforward. Here's what happens when you use Albot.
Quick questions
Tell us about your property, current mortgage, and what you're looking for. Takes 90 seconds.
⏱ 90 secondsSee your options
Albot checks 50+ specialist BTL lenders and shows you the best rates for your situation.
⚡ Instant resultsAdviser handles everything
A specialist BTL adviser reviews your options with you and manages the full application to completion.
👤 Specialist adviserFaster, smarter BTL matching
We combine AI-powered speed with specialist BTL advisers to find you the right rate. Faster than going direct.
50+ BTL lenders
Instant comparison across specialist buy-to-let lenders, including those not available on the high street.
Specialist BTL advisers
Our advisers understand landlord situations: portfolio rules, Ltd Co structures, HMOs, and complex income.
Total transparency
All rates, fees, and total costs shown upfront. No surprises at the point of application.
No credit footprint
Checking your options uses a soft search only. It won't show on your credit file or affect future applications.
Common questions about BTL remortgages
Everything landlords ask before they remortgage.
When should I start looking to remortgage my BTL?
Start looking 3–6 months before your current deal expires. Many lenders let you secure a new rate in advance, so it's ready to switch the day your deal ends. This avoids any time on the lender's higher SVR. Even if your deal has already expired, it's still worth reviewing. You could be overpaying right now.
How does a BTL remortgage differ from a residential one?
The key difference is how lenders assess affordability. For BTL, they focus on rental income, typically requiring it to cover 125%–145% of the mortgage payment. Personal income can also be considered for top-slicing. BTL mortgages are also not regulated by the FCA, which means different protections apply. Specialist BTL lenders offer specific products not available through standard residential channels.
Can I remortgage a BTL held in a limited company?
Yes. Limited company BTL, usually via a Special Purpose Vehicle (SPV), is increasingly common, especially since Section 24 tax changes. A growing number of specialist lenders offer products for Ltd Co landlords, often with competitive rates. Our advisers are experienced with this structure and will match you to the right lender.
What is the stress test on a BTL remortgage?
BTL lenders apply an Interest Coverage Ratio (ICR) stress test to check that rent covers the mortgage. This is usually calculated at a notional higher rate (e.g. 5.5%) rather than the actual product rate, and the coverage requirement varies by lender (125% for basic rate taxpayers, 145% for higher rate taxpayers or Ltd Co). Some lenders use top-slicing, where personal income can support the mortgage if rent alone doesn't cover it.
Can I release equity when I remortgage my BTL?
Yes. If your property value has increased since you originally bought or last remortgaged, you may be able to borrow more, releasing equity to fund further investment, property improvements, or other purposes. Lenders typically allow up to 75–80% LTV on a BTL remortgage, so this depends on your current balance and the property's current value.
What happens if I have early repayment charges on my current deal?
Early repayment charges (ERCs) apply if you leave your current deal before it ends. The saving from a lower rate needs to outweigh the ERC cost. Your adviser will calculate this for you. In most cases, it makes sense to wait until your deal expires unless your ERC is small and the rate saving is significant. You can secure a new product now and switch automatically when the ERC period ends.
See your BTL rate in 90 seconds
No commitment, no credit check, no upfront fees. Just the rates available to you, right now.
Get my free quoteRepresentative Example (Buy-to-Let Remortgage)
If you remortgage a buy-to-let property with a loan of £150,000 over 25 years on an interest-only basis, initially on a fixed rate of 4.89% for 5 years and then on the lender's standard variable rate of 7.25% for the remaining 20 years, you would make 60 monthly payments of £611.25 and 240 monthly payments of £906.25. At the end of the mortgage term the capital balance of £150,000 remains outstanding. The total amount repayable would be £254,275 (including a lender arrangement fee of £1,495 and a broker fee of £995). The overall cost for comparison is 6.8% APRC representative. Rates available to you will depend on your individual circumstances.
Buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Albot is an introducer and technology platform, not a lender and not a broker. Applications may be passed to specialist BTL advisers who are authorised and regulated by the FCA where applicable. Rates are subject to status, rental income assessment, affordability checks, and lender criteria. Interest-only mortgages require a credible repayment strategy.