Buy-to-let remortgages
Coming to the end of a fixed or initial rate, or releasing equity.
When a buy-to-let mortgage reaches the end of its fixed or initial rate, it usually moves to the lender's standard variable rate. It is a good time to review your options: staying with your current lender, moving to a new one, or raising money for your next purchase.
We look at the options with your existing lender alongside a remortgage to a new lender, and set out the total cost of each, including fees, so you can make an informed decision.
How we help
- Start early
- Many lenders let you choose a new product up to six months ahead. We aim to speak to clients around seven months before their end date.
- Existing lender and new lenders compared
- We weigh a product transfer against a full remortgage, and explain the pros and cons of each.
- Total cost, not just the rate
- Arrangement, valuation, legal and broker fees all count. We set them out clearly.
- Releasing equity
- If you want to raise money for another property, we explain what lenders consider.
Common questions
When should I start looking at a remortgage?
Around six months before your current product ends is a sensible time to start, as many lenders let you secure a new product that far ahead.
What happens if I do nothing when my fixed rate ends?
Your mortgage normally moves to the lender's standard variable rate. That can be higher or lower than your current rate, so it is worth checking well in advance.
What happens when you get in touch
Book an appointment
We look at your options
Our recommendation
Application
Offer and completion
We stay in touch
Related
- Portfolio landlordsGrowing, refinancing or reorganising a portfolio of rental properties.
- Limited company buy-to-letBuying or refinancing rental property through a limited company.
- Residential mortgagesFirst time, second time, third or fourth: mortgages for the home you live in.
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Talk to a specialist
Book an appointment at a time that suits you, call the office, or ask us to call you back. We are here to help.