Buy-to-let remortgage guides
Plain-English guides to remortgaging a rental property in the UK: the process, the rental cover sums, limited companies, portfolios, releasing equity, specialist property types and the costs.
The basics
Buy-to-let remortgage explained
The whole process from six months out to completion, and what is different from a residential remortgage.
Read →My fixed rate is ending
What happens on the day, what the variable rate costs, and the six-month window to do something about it.
Read →Product transfer vs remortgage
Staying with your lender is quick and easy. It is not always cheap. How to decide.
Read →What a buy-to-let remortgage costs
Arrangement fees, valuation, legals, broker fees and early repayment charges, with typical figures.
Read →Interest-only vs repayment
Most buy-to-lets are interest-only. Why, when repayment makes sense, and the plan for the end.
Read →The sums
Rental cover and stress tests
The 125% and 145% rules, the stress rate, and why five-year fixes let you borrow more.
Read →Releasing equity from a buy-to-let
Remortgaging to raise the deposit for the next property, and what the rent has to support.
Read →Who you are
Limited company buy-to-let
SPVs, SIC codes, guarantees, Section 24, and the cost of moving properties into a company.
Read →Portfolio landlords
Four or more mortgaged properties: how lenders assess the whole portfolio and the paperwork to have ready.
Read →Buy-to-let with credit problems
Missed payments, defaults, CCJs, IVAs. What is still possible in buy-to-let and at what price.
Read →Letting out your current home
Consent to let, switching to a buy-to-let mortgage, and let-to-buy when you move.
Read →Property types
HMOs and multi-unit blocks
Licensing, room-by-room valuation, and the lenders who actually like them.
Read →Holiday lets and Airbnb
Furnished holiday lets are assessed on seasonal income. The lenders, the sums and the tax change.
Read →Where you are
England
SDLT, the Renters' Rights Act, selective licensing and EPC rules.
Read →Scotland
LBTT and the 8% ADS, private residential tenancies, landlord registration and HMO licensing.
Read →Wales
LTT higher rates, Renting Homes (Wales) Act contracts, Rent Smart Wales and council tax premiums.
Read →Northern Ireland
SDLT, rates, the private tenancies rules and the smaller lender panel.
Read →Your deal is ending. Let's get a broker on it.
Two minutes of questions about the property. We match you with a buy-to-let specialist who calls you back, usually within one working day. Free, no obligation.