Best Buy-to-Let Remortgage Rates Compared

Remortgaging a buy-to-let property? Looking for the lowest rate and best deals? Our comprehensive guide to the best buy-to-let mortgage rates will tell you all you need to know.

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Home Mortgage Interest Rates Best Buy-to-Let Remortgage Rates Compared
Pete Mugleston

Author: Pete Mugleston

Mortgage Advisor, MD

Updated: December 21, 2023

Whether you’re remortgaging a buy-to-let-property because your fixed deal is ending or just to take advantage of a better rate, exploring all your options before committing is the only way to make sure you get the best deal available to you.

Take a look at our rates table below to get an idea of the buy-to-let remortgage deals currently available…

Lender Product Details
Frosted Rates Image

Looking for more rates and deals?

We can match you with a mortgage broker who can provide you with up-to-date bespoke rates and deals from across the entire market.

Last updated May 2024

*All of the rates and terms above are purely for example purposes, were correct at the time of writing and are subject to change at any time at the lender’s discretion*

How to compare buy-to-let remortgage rates

With hundreds of lenders and countless products to sort through when it comes to comparing buy-to-let remortgage rates, just getting your list down to those you are eligible for is a mammoth task in itself.

Online rates tables can’t help with this as they aren’t bespoke to you, nor are they whole-of-market.

Using our broker-matching service to find a buy-to-let mortgage specialist is a better bet because…

  • You will gain access to more rates, including broker-exclusive deals
  • The rates and deals recommended will be bespoke to you
  • Your broker will help you secure the best buy-to-let remortgage deal
  • They will guide you through every step of the application process

To get matched with a buy-to-let remortgage specialist, get in touch.

Maximise your chance of approval with a specialist

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We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in all different mortgage subjects.

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What is a typical rate for a buy-to-let remortgage?

The table at the top of this article will provide a good illustration of what rates are currently available. But it’s important to remember that there are several factors lenders consider when determining the best rate they can offer you.

These include:

Buy-to-let mortgage rates are usually a little higher than those for standard residential mortgages. This is because lenders see buy-to-let mortgages as higher risk. But with a strong application and solid business plan, competitive rates are available for landlords.

For full details of eligibility criteria, read our guide to buy-to-let mortgages.

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How the LTV influences your interest rate

Loan to value is the amount you borrow reflected as a percentage of the property’s value. So, for example, if you borrow £100,000 on a £200,000 property, your LTV is 50%. This is a key element of your application and can heavily influence the deal you’re offered. Different mortgage rates will apply for different LTV bands.

Lenders are wary of buy-to-let mortgages because of the risk of the property being vacant for a period of time. This concern is reflected in the rates offered. Sometimes, when remortgaging a buy-to-let your situation has improved and you can borrow more money at a lower rate.

If the value of your property has gone up significantly since you took out your previous mortgage, you may have moved into a lower LTV band and have a wider choice of lenders than before. And this can result in lower rates.

Why use Online Mortgage Advisor for your buy-to-let remortgage?

Trying to assess every possible deal while also predicting future rate changes is putting lots of landlords in a tricky position. Which is why expert help has never been more important.

An experienced buy-to-let remortgage advisor will take the pragmatic view that borrowers sometimes find difficult. Taking emotion out of the decision, they will simply present facts and data to help you pick the best deal for you.

Our broker matching service will assess your situation and pair you up with a mortgage broker who has a track record of supporting people just like you to secure the best rate on a buy-to-let remortgage.

To speak to an expert call 0808 189 2301 or enquire online.

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Ask us a question and we'll get the best expert to help.

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About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for Online Mortgage Advisor of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

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