{"id":984,"date":"2021-06-18T00:00:00","date_gmt":"2021-06-18T00:00:00","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/knowledge\/articles\/how-to-remortgage-a-buy-to-let\/"},"modified":"2025-05-22T13:18:36","modified_gmt":"2025-05-22T13:18:36","slug":"how-to-remortgage-a-buy-to-let","status":"publish","type":"knowledge","link":"https:\/\/www.simplybusiness.co.uk\/knowledge\/buying-and-selling\/how-to-remortgage-a-buy-to-let\/","title":{"rendered":"How can landlords get a buy-to-let remortgage?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">If you remortgage your buy-to-let property at the right time, you can reduce costs or raise extra money to fund investment.<\/p>\n\n<p class=\"wp-block-paragraph\">But, as with any type of remortgage, you\u2019ll need to plan ahead and make sure you\u2019re aware of all the details. Here\u2019s our guide covering everything you need to know about remortgaging a buy-to-let property.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"whatisremortgaging\">What is remortgaging?<\/h2>\n\n<p class=\"wp-block-paragraph\">Remortgaging is when you move from one mortgage to another. For example, you could be changing to a new product with the same lender or you might switch providers.<\/p>\n\n<p class=\"wp-block-paragraph\">The reasons for remortgaging vary, but it\u2019s usually because borrowers are looking for a better deal or their current agreement is ending.<\/p>\n\n<p class=\"wp-block-paragraph\">Remortgaging is also a good way to raise money. Landlords can do this by taking out a new mortgage which includes the outstanding value on their previous mortgage, plus the value of the equity they want to release.<\/p>\n\n<p class=\"wp-block-paragraph\">Many landlords have <a href=\"\/knowledge\/landlord-tax\/buy-to-let-mortgage-rates-explained\/\" data-type=\"knowledge\" data-id=\"1358\" >interest-only mortgages<\/a>, so a buy-to-let remortgage could allow you to switch to a repayment product if you want to increase how much of the property you own.<\/p>\n\n<p class=\"wp-block-paragraph\">The basics of remortgaging a buy-to-let property are similar to switching products on a residential mortgage. However, lenders will view your application differently as it\u2019s a business interest.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"whatarethereasonsforremortgagingabuytolet\">What are the reasons for remortgaging a buy-to-let?<\/h2>\n\n<p class=\"wp-block-paragraph\">There are many reasons why landlords remortgage their buy-to-let properties, but usually  it\u2019s either to reduce costs or borrow extra cash for investment.<\/p>\n\n<p class=\"wp-block-paragraph\">Here are further details on some of the key reasons why landlords remortgage.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"gettingabetterdeal\">Getting a better deal<\/h3>\n\n<p class=\"wp-block-paragraph\">As with residential homeowners, one of the most common reasons to remortgage a buy-to-let is to get a better deal and save money.<\/p>\n\n<p class=\"wp-block-paragraph\">If you have a repayment mortgage, you can benefit from lowering your monthly repayments and your interest rate. Alternatively, landlords with interest-only mortgages can save money by securing a lower interest rate.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"portfolioexpansion\">Portfolio expansion<\/h3>\n\n<p class=\"wp-block-paragraph\"><a href=\"\/knowledge\/buying-and-selling\/best-buy-to-let-areas\/\" data-type=\"knowledge\" data-id=\"1335\" >Expanding your portfolio<\/a> can be challenging due to the costs involved, but remortgaging is a great way of generating the extra cash you need to buy a property.<\/p>\n\n<p class=\"wp-block-paragraph\">If you decide to remortgage for portfolio expansion, the lender will carry out a valuation of your existing properties to see how much equity you have and how much they can lend you.<\/p>\n\n<p class=\"wp-block-paragraph\">Factors which could affect how much you could borrow include:<\/p>\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">whether you\u2019re a higher rate taxpayer<\/li>\n\n\n\n<li class=\"wp-block-list-item\">the size of your portfolio<\/li>\n\n\n\n<li class=\"wp-block-list-item\">what type of product you want (full remortgage, portfolio mortgage or second charge)<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"propertyimprovements\">Property improvements<\/h3>\n\n<div id=\"nba-body-001\">\n<\/div>\n\n<p class=\"wp-block-paragraph\">You can remortgage your buy-to-let property to release equity for home improvements such as a new kitchen or loft conversion.<\/p>\n\n<p class=\"wp-block-paragraph\">It\u2019s likely that lenders will be keen to offer you a good deal if the improvements increase the value of your property. Not only will making improvements benefit you when you come to sell in the future, but they could help you to attract more tenants and generate higher rents in the short-term.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"equityreleasescheme\">Equity release scheme<\/h3>\n\n<p class=\"wp-block-paragraph\">Alternatively, you may want to remortgage to access an equity release scheme to receive a tax-free loan against your buy-to-let property.<\/p>\n\n<p class=\"wp-block-paragraph\">To do this, you\u2019ll need to be over 55. It\u2019s also worth noting that the equity release scheme options for buy-to-let properties are limited and the lending criteria could be stricter.<\/p>\n\n<p class=\"wp-block-paragraph\">If you go down this route, your new mortgage could be similar to a lifetime mortgage, meaning it won\u2019t need to be repaid until you move into long-term care or die. If this does happen, the mortgage would be paid off from the money in your estate or by selling the property.<\/p>\n\n<p class=\"wp-block-paragraph\">Landlords interested in equity release mortgages should speak to a specialist broker as there are lots of factors to consider.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"repayingandconsolidatingdebts\">Repaying and consolidating debts<\/h3>\n\n<p class=\"wp-block-paragraph\">If you have debts that need consolidating, remortgaging your buy-to-let property is a useful way of simplifying your finances.<\/p>\n\n<p class=\"wp-block-paragraph\">You\u2019ll be able to roll your debts into one single monthly payment, which could end up being cheaper than your existing payments.<\/p>\n\n<p class=\"wp-block-paragraph\">That being said, some lenders may view you as high risk because you have built up debts. This could mean there are fewer options available and the amount you can borrow could be limited.<\/p>\n\n<p class=\"wp-block-paragraph\">It\u2019s important to note that there are risks involved with transferring your debts into interest-only debts as part of a remortgage. You\u2019ll need to make sure you can meet your monthly repayments comfortably, and it\u2019s worth speaking to a mortgage adviser first.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"howtofindthebestbuytoletremortgage\">How to find the best buy-to-let remortgage<\/h2>\n\n<p class=\"wp-block-paragraph\">What a lender will offer you depends on how much you want to borrow and how much equity you have in the property (i.e. how much of the property you own).<\/p>\n\n<p class=\"wp-block-paragraph\">How much a lender will offer you is known as the Loan to Value (LTV). For example, if your property is worth \u00a3350,000, with \u00a3280,000 in equity and you want to borrow \u00a3140,000 over 25 years, then your LTV is 40 per cent. But if you wanted to borrow \u00a3210,000, then your LTV would be 60 per cent.<\/p>\n\n<p class=\"wp-block-paragraph\">Rates, products and terms for buy-to-let remortgages vary considerably. For example, there are lenders who will grant remortgages up to 90 per cent LTV.<\/p>\n\n<p class=\"wp-block-paragraph\">To get the best buy-to-let remortgage, you\u2019ll need to have all your finances in order. Here are some of the key things lenders will consider when working out how much they\u2019ll lend to you:<\/p>\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">rental income, <a href=\"\/knowledge\/business-tax\/capital-gains-tax\/\" data-type=\"knowledge\" data-id=\"1361\" >capital gains<\/a> and personal assets<\/li>\n\n\n\n<li class=\"wp-block-list-item\">current equity and the size of remortgage you want<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your credit history and current income<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">And here are some of the things you need to look out for to get the best deal:<\/p>\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">does your current lender need an early repayment fee before you switch?<\/li>\n\n\n\n<li class=\"wp-block-list-item\">is the new lender offering a fee-free mortgage?<\/li>\n\n\n\n<li class=\"wp-block-list-item\">the higher your LTV, the fewer products are likely to be available<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"buytoletremortgagerateswhatdolandlordsneedtoknow\">Buy-to-let remortgage rates \u2013 what do landlords need to know?<\/h3>\n\n<p class=\"wp-block-paragraph\">If you\u2019ve finished your fixed or tracker initial rate period, it\u2019s likely you\u2019ll move on to your lender\u2019s standard variable rate (SVR). This rate is usually higher, which is why lots of landlords remortgage when this happens.<\/p>\n\n<p class=\"wp-block-paragraph\">For example, if you have a \u00a3175,000 interest-only mortgage on a 4.75 per cent SVR, your monthly repayments will be around \u00a3690.<\/p>\n\n<p class=\"wp-block-paragraph\">If you remortgage at 75 per cent LTV, you could get a new mortgage at an interest rate of around 3.75 per cent. This would reduce your monthly payments to around \u00a3545.<\/p>\n\n<p class=\"wp-block-paragraph\">Lowering your interest rate by one per cent could save you around \u00a3145 a month, with a total annual saving of around \u00a31,750.<\/p>\n\n<p class=\"wp-block-paragraph\">It\u2019s also beneficial to keep an eye on the Bank of England\u2019s base interest rate as many products on the market will follow this. If the base rate goes up, your mortgage could cost more and if it goes down, you could save money.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"canyouberefusedabtlremortgage\">Can you be refused a BTL remortgage?<\/h2>\n\n<p class=\"wp-block-paragraph\">Most applications for buy-to-let remortgages are accepted without any problems. However, just because you already have a mortgage doesn\u2019t mean you\u2019re guaranteed to get a new deal from a lender.<\/p>\n\n<p class=\"wp-block-paragraph\">A common reason for buy-to-let remortgage applications being rejected is failing a \u2018stress test\u2019. These are the checks a lender makes to see if you could still afford your repayments if interest rates were to increase significantly.<\/p>\n\n<p class=\"wp-block-paragraph\">You could also be refused a buy-to-let remortgage if you have a low credit score or a background financial check brings up an issue such as a County Court Judgement (CCJ).<\/p>\n\n<p class=\"wp-block-paragraph\">There are several other reasons why your buy-to-let remortgage application could be rejected, such as:<\/p>\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><strong>having a short lease<\/strong> \u2013 if your property\u2019s lease is below 80 years, it may be hard to get remortgage finance or to sell it in the future<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>lenders don\u2019t favour flat roofs<\/strong> \u2013 because they\u2019re known for needing more maintenance<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Japanese knotweed<\/strong> \u2013 any mention of this plant is likely to result in a rejection due to the serious problems it can cause<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>being close to late night venues<\/strong> \u2013 if your property is close to a nightclub or bar, lenders could see it as high risk and tricky to sell<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\" id=\"howcanigetabuytoletremortgage\">How can I get a buy-to-let remortgage?<\/h2>\n\n<p class=\"wp-block-paragraph\">Once you\u2019ve decided you want a buy-to-let remortgage, it\u2019s important to have a clear picture of your financial situation.<\/p>\n\n<p class=\"wp-block-paragraph\">How much of the original purchase is outstanding? How much money do you want to borrow? What kind of terms and repayment costs are you looking for?<\/p>\n\n<p class=\"wp-block-paragraph\">You\u2019ll then need to start shopping around for the best buy-to-let remortgage deals. Much like you would with <a href=\"\/landlord-insurance\/\" data-type=\"page\" data-id=\"1608\" >landlord insurance<\/a>, you can compare quotes from various lenders to see what prices, terms and rates are available.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"planahead\">Plan ahead<\/h3>\n\n<p class=\"wp-block-paragraph\">It can be beneficial to start preparing your buy-to-let remortgage application six months ahead of when you want to switch to a new deal.<\/p>\n\n<p class=\"wp-block-paragraph\">If you\u2019re approaching the end of your current deal, this will provide you with a sufficient buffer period to get everything in place so you don\u2019t risk moving on to your lender\u2019s higher standard variable rate.<\/p>\n\n<p class=\"wp-block-paragraph\">It also gives you time to get all your paperwork together and pass any relevant checks. As with applying for a buy-to-let mortgage, remortgaging can be a lengthy and complicated process.<\/p>\n\n<p class=\"wp-block-paragraph\">That\u2019s why it\u2019s important to give yourself enough time to prepare and get impartial financial advice from a mortgage broker to help you make the best decision.<\/p>\n\n<h3 class=\"wp-block-heading\">More guides for buy-to-let landlords<\/h3>\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/landlord-regulation\/what-is-an-epc-rating\/\" data-type=\"knowledge\" data-id=\"989\" >Energy efficiency guide for landlords \u2013 what is an EPC rating?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/landlord-regulation\/government-debt-scheme-guide-for-landlords\/\" data-type=\"knowledge\" data-id=\"980\" >Breathing space \u2013 a landlord\u2019s guide to the Debt Respite Scheme<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/tenants\/tenant-referencing-guide-for-landlords\/\" data-type=\"knowledge\" data-id=\"971\" >Tenant referencing guide \u2013 what do landlords need to know?<\/a><\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-94e519ba wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--40)\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"getsetwithtailoredlandlordcover\">Get set with tailored landlord cover<\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Over 200,000 UK landlord policies, a 9\/10 customer rating and claims handled by an award-winning team. Looking to switch or start a new policy? Run a quick <a href=\"\/landlord-insurance\/\" data-type=\"page\" data-id=\"1608\" >landlord insurance quote<\/a> today.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/landlord\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n<div id=\"nba-body-end\">\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>How can you get a buy-to-let remortgage? Read our guide for landlords.<\/p>\n","protected":false},"author":3,"featured_media":4274,"comment_status":"open","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_reviewed_by":"","sb_review_date":"","sb_enable_content_gating":true,"footnotes":""},"categories":[332,114],"hidden-category":[],"coauthors":[20],"class_list":["post-984","knowledge","type-knowledge","status-publish","has-post-thumbnail","hentry","category-buying-and-selling","category-landlord-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to remortgage a buy-to-let property<\/title>\n<meta name=\"description\" content=\"How can you get a buy-to-let remortgage? Read our guide for landlords.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/buying-and-selling\/how-to-remortgage-a-buy-to-let\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to remortgage a buy-to-let property\" \/>\n<meta property=\"og:description\" content=\"Remortgaging a buy-to-let can save you money or raise investment funds. Read our in-depth guide.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/buying-and-selling\/how-to-remortgage-a-buy-to-let\/\" \/>\n<meta property=\"og:site_name\" content=\"Simply Business UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/simplybusiness\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-22T13:18:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/how-to-remortgage-a-buy-to-let.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"How can landlords get a buy-to-let remortgage?\" \/>\n<meta name=\"twitter:site\" content=\"@simplybusiness\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data2\" content=\"Conor Shilling\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/knowledge\/buying-and-selling\/how-to-remortgage-a-buy-to-let\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/knowledge\/buying-and-selling\/how-to-remortgage-a-buy-to-let\/\"},\"author\":{\"@type\":\"Person\",\"name\":\"Conor Shilling\",\"description\":\"Conor Shilling is a professional writer with over 10 years\u2019 experience across the property, small business, and insurance sectors. A trained journalist, Conor\u2019s previous experience includes writing for several leading online property trade publications. 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