BTL Remortgage Advice — Greenwich

Buy to Let Remortgage Broker Greenwich

Thousands of landlords across Greenwichare sitting on their lender's Standard Variable Rate — paying 2–3% more than they need to. Every month you delay costs real money from your rental yield.

Mortgage International is a specialist whole-of-market BTL broker. We compare buy-to-let remortgage deals from over 90 lenders — including portfolio landlord specialists and limited company BTL lenders — and handle the entire process for you.

90+
Lenders
Free
Advice
Whole
of Market
Portfolio
Specialists
FCA regulatedNo upfront feesPortfolio landlord specialistsLimited company BTL
Call us: 0844 884 9748 (Mon–Sat 9am–7pm)
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Landlords on SVR are leaving money on the table — every month

The average BTL SVR across major lenders sits at 7%–8.5%. On a £250,000 interest-only BTL mortgage, that is £1,458–£1,771 per month in interest. A competitive BTL fix at around 4.5% brings that down to approximately £938 per month — a saving of up to £833 every month, or nearly £10,000 per year per property. We recommend starting your BTL remortgage at least 3–6 months before your current deal expires.

BTL remortgage specifics landlords need to know

Buy-to-let remortgages differ from residential in several key ways. Here is what affects your deal.

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Rental stress testing

Most lenders require monthly rent to cover 125% of the mortgage interest calculated at a notional rate of 5.5%. We find lenders with the most flexible rental coverage ratios for your property and rental income.

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Limited company BTL

Section 24 tax changes have made limited company (SPV) BTL increasingly attractive. We advise on both personal and company BTL remortgages and can explain the tax implications for your situation.

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Portfolio landlord assessment

Under PRA rules, landlords with 4+ mortgaged BTL properties face a whole-portfolio assessment. We specialise in placing portfolio landlords with lenders who understand complex multi-property cases.

BTL remortgaging in Greenwich: what landlords need to know

The buy-to-let mortgage market in Greenwichis competitive, and the difference between staying on a lender's SVR and switching to a market-leading deal can make a significant difference to your net rental yield — especially as landlords continue to navigate rising costs and changing tax rules.

BTL remortgage rates in 2026 vary considerably based on loan-to-value (LTV), the rental coverage ratio your property achieves, whether you are remortgaging personally or via a limited company, and whether your property is a standard single-let, HMO, or multi-unit freehold block. Getting the lender match right from the outset is critical — a lender that assesses rental income generously can make the difference between being offered a deal and being declined.

For landlords with a portfolio of properties in Greenwichand beyond, a portfolio remortgage review can unlock significant savings across multiple properties at once. We work with specialist lenders who will assess the whole portfolio on its merits rather than declining based on a single property's coverage ratio.

Mortgage International is FCA regulated and works with landlords across Greenwich and all London boroughs. Our BTL advisers understand both the lending criteria and the tax landscape, and we can start your remortgage process with a free, no-obligation consultation.

BTL remortgage FAQs — Greenwich

How does stress testing work on a BTL remortgage?
Most lenders require the monthly rental income to cover at least 125% of the mortgage interest at a notional rate of 5.5% (sometimes higher). For example, on a £200,000 interest-only BTL mortgage, the monthly interest at 5.5% is approximately £917. To pass the stress test, your property would need to achieve rental income of at least £1,146 per month. We work with lenders using the most favourable rental coverage ratios for your situation.
Can I remortgage my BTL into a limited company?
Yes, though this typically involves selling the property from yourself personally into a Special Purpose Vehicle (SPV) limited company, which triggers stamp duty and capital gains tax. Most landlords find it more tax-efficient to keep existing properties in personal names and acquire future properties via a limited company. We can advise on both personal and limited company BTL remortgage options.
What happens if my property is tenanted during a remortgage?
A sitting tenant is not a problem for most BTL remortgages — lenders understand that investment properties are let. You will need to provide a copy of your tenancy agreement and evidence of rental income (usually a bank statement showing rent credits). If the property is vacant, some lenders may still lend based on estimated market rent, though options can be more limited.
Do portfolio landlords get assessed differently for a BTL remortgage?
Yes. Under PRA rules introduced in 2017, any landlord with four or more mortgaged buy-to-let properties is classified as a portfolio landlord. Lenders are required to assess the entire portfolio — not just the property being remortgaged — including total rental income, total debt, and the LTV across all properties. Specialist lenders often have more flexible portfolio assessment criteria. We match portfolio landlords with the right lender from the start.

Ready to compare BTL remortgage rates in Greenwich?

Free, no-obligation advice from a whole-of-market BTL broker. We search 90+ lenders including portfolio and limited company specialists.

The Financial Conduct Authority does not regulate some forms of buy-to-let mortgage. Think carefully about securing debts against your investment property.

Get a Free Initial QuoteCall 0844 884 9748