Buy To Let Remortgage Rates

Jones & Young provide Buy-to-Let remortgage products allowing you to remortgage an existing Buy-to-Let property which has reached its maturity. 

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Buy-to-Let Remortgage Comparison Tool Uk

Are you thinking of remortgaging your Buy-to-Let mortgage?

If you have up to three rental properties, our BTL remortgage comparison tool can help you find some of the best prices on the market.

What is a Buy-to-Let Remortgage?

A Buy-to-Let  remortgage, also known as a BTL remortgage, is a financial transaction where a landlord who already owns a Buy-to-Let  property, swaps their current Buy-to-Let mortgage deal for a new deal on the same property, usually with a different mortgage lender.

This is usually done to get better remortgage rates, extend the mortgage term, release equity from the property, or even raise additional funds.

Why should I consider a Buy-to-Let Remortgage?

There are various reasons why you might want to remortgage a Buy-to-Let  property. One common reason to remortgage is to lower interest rates compared to your current mortgage rate. This can help increase your rental income profit margins. Remortgaging can also provide a way to release equity tied up in your property, which can be useful if you need to raise funds for refurbishments or to invest in additional properties.

When should you remortgage a BTL property?​

It’s best to remortgage a Buy-to-Let property when your current mortgage term is ending. With a fixed rate mortgage, your monthly rate is fixed for 2-5 years typically. After that, you’ll go on your lender’s Standard Variable Rate which is usually more expensive. So start looking into remortgaging a Buy-to-Let property 6 months before your fixed rate ends. That way, you won’t have to worry when your current deal runs out, since you’ll already switch over to the new one automatically.

How do Buy-to-Let Remortgages work?

A Buy-to-Let  remortgage works by paying off the existing mortgage on your property and replacing it with a new mortgage with more favourable terms or rates available.

Your remortgage application will be assessed by the mortgage lender based on your property’s value and the rental income it generates, much like the initial mortgage application when you bought the property.

When is the best time to consider a Buy- to-Let Remortgage?

The best deal for a Buy-to-Let  remortgage can often be found when your current mortgage deal is nearing its end. At this point, it could be beneficial to start remortgaging to prevent moving onto your lender’s standard variable rate, which can be higher. However, it is also possible to remortgage at any time if you find a favourable deal or need to access the equity in your property.

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75-80% Loan to Value (LTV)

Loan to Value(LTV) options typically 75 - 80%

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No Income Used

No Income is required for BTL lending as the rent is used to assess affordability

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Further questions about Buy-to-Let Mortgages by Jones & Young

We’ve done our best to try and answer some of the most frequently asked questions about Buy-to-Let  remortgages:

Why would I want to remortgage my Buy-to-Let property?

You might want to remortgage your Buy-to-Let  property for several reasons. These could include wanting to get a better Buy-to-Let  remortgage rate, to increase the rental income, or even release equity from the property. Moreover, remortgaging a Buy-to-Let  could provide a useful way to expand your property portfolio.

To find the best Buy-to-Let  remortgage deal, you should consider shopping around, comparing different Buy-to-Let  mortgage deals and talking to a mortgage broker. Also pay close attention to the remortgage rates and interest rates of the remortgages available in the market.

The remortgage application process is pretty much like the original mortgage application process. It will involve providing financial evidence such as proof of rental income, credit checks, and property valuation. Getting the best mortgage deal may also involve negotiation with the mortgage lender.

Buy to let remortgage rates
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