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Buy to Let Remortgage London 2026

BTL remortgage rates,don't pay more than you have to

Is your buy to let fixed rate ending? Rolling onto the standard variable rate could cost you hundreds of pounds a month. We compare BTL remortgage deals from 90+ lenders to keep your rental investment performing.

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Why remortgage your buy to let?

Your BTL mortgage deal works the same as a residential mortgage. Sitting on the SVR is almost always the most expensive option.

Avoid the SVR

BTL standard variable rates typically run 7–9%. Switching to a new fix saves hundreds per month on a typical London investment property.

Improve your yield

A lower mortgage rate directly improves your net rental yield. We calculate the impact across your whole portfolio, not just one property.

Release equity

Rising London property values may allow you to release capital for a deposit on your next investment without selling.

Switch to limited company

If you are buying future properties through a limited company, we structure your remortgage to complement your evolving portfolio strategy.

Add or remove names

Circumstances change. A remortgage is the right time to add a co-borrower, remove a name, or restructure ownership.

Fix your costs

With interest rates fluctuating, fixing your BTL mortgage gives you certainty for budgeting and rental income projections.

BTL remortgage advice by London borough

We advise landlords across all 33 London boroughs. Select your area for local market insight and specialist BTL remortgage advice.

IslingtonHackneyCamdenWandsworthLambethSouthwarkLewishamGreenwichTower HamletsNewhamWaltham ForestHaringeyBarnetBromleyCroydonRichmond Upon ThamesKingston Upon ThamesMertonSuttonEalingHounslowHillingdonHarrowBrentKensington and ChelseaWestminsterHammersmith and FulhamBarking and DagenhamEnfieldHaveringRedbridgeCity Of LondonBexley

How your BTL remortgage works

01
Check your current deal and ERC
We confirm your current rate expiry date and any early repayment charges. We can usually secure a new rate up to 6 months ahead, giving you time to plan.
02
Rental stress test assessment
We calculate the minimum rental income required at the new rate and LTV across all potential lenders, before you choose a product. Some lenders are significantly more generous than others.
03
Whole of market comparison
We compare BTL remortgage rates from 90+ lenders, including standard, specialist, HMO, and limited company lenders, to find the most competitive product for your property and circumstances.
04
Application and completion
We handle the full application. Most BTL remortgages complete within 4–8 weeks. Many lenders offer free legal services for straightforward cases, reducing your costs further.

Buy to let remortgage FAQs

When should I start looking for a BTL remortgage?
We recommend starting 3–6 months before your current deal expires. This gives time to compare options, assess the rental stress test at the new rate, and complete before your fixed rate ends and you roll onto the SVR.
How is affordability calculated for a BTL remortgage?
Lenders require rental income to cover 125–145% of the monthly mortgage interest at a stress rate (typically 5.5–6%). We calculate this for your property before recommending a product. Some lenders are more generous than others for specific property types.
Can I release equity when I remortgage my BTL?
Yes, many landlords remortgage to release equity for a deposit on another property or to fund refurbishment works. We will assess the rental income requirements and find the most competitive rates for capital raising.
Should I remortgage my BTL into a limited company?
Moving a personally owned BTL into a limited company triggers SDLT and CGT on the transfer. It is rarely cost-effective. However, future purchases in a limited company may be beneficial for higher-rate taxpayers. We compare both structures and run the numbers for your specific situation.
What is the typical BTL remortgage rate in 2026?
Two-year fixed BTL rates at 75% LTV typically start from around 4.89% in mid-2026. Five-year fixes start from around 4.65%. Rates vary significantly by LTV, property type, and whether the mortgage is in personal name or limited company. We compare 90+ lenders to find the most competitive product.
Can a portfolio landlord remortgage individual properties?
Yes, though lenders will assess your entire portfolio as part of the application. Portfolio landlords (4+ mortgaged BTL properties) require specialist lenders who understand portfolio underwriting. We specialise in portfolio remortgages across Greater London.

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Ready to compare BTL remortgage rates?

Our adviser searches 90+ lenders to find the best buy to let remortgage for your London investment property. Free, no-obligation advice.

Get a Free BTL Remortgage QuoteCall 0844 884 9748

Some buy to let mortgages are not regulated by the Financial Conduct Authority. FCA Ref: 478810.

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