Buy-to-Let Remortgages
Fine-tune your loan and free up equity in your property portfolio by securing a new Buy-to-Let remortgage deal with our help.
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Up to 100% funding
a Personal approach
Access to 100+ lenders
Structured, bespoke deals
Quick turnaround times
All levels of debt & equity
Up to 100% funding
a Personal approach
Access to 100+ lenders
Structured, bespoke deals
Quick turnaround times
All levels of debt & equity
Up to 100% funding
a Personal approach
Access to 100+ lenders
Structured, bespoke deals
Quick turnaround times
All levels of debt & equity
Up to 100% funding
a Personal approach
Access to 100+ lenders
Structured, bespoke deals
Quick turnaround times
All levels of debt & equity
Up to 100% funding
a Personal approach
Access to 100+ lenders
Structured, bespoke deals
Quick turnaround times
All levels of debt & equity
Up to 100% funding
a Personal approach
Access to 100+ lenders
Structured, bespoke deals
Quick turnaround times
All levels of debt & equity
Buy-to-Let Remortgages at a Glance
- Up to 85% LTV
- SPV, trading company or personal facilities
- No minimum income threshold
- Adverse credit considered
- Top slicing using personal income
Whether you’re looking to secure a better interest rate, release equity, or improve your investment portfolio, a buy to let remortgage could help you make the most of your property.
At Pure Property Finance, our experienced advisers compare products from a wide panel of lenders to help landlords find competitive remortgage solutions. Whether you own a single rental property or have a growing portfolio, we’ll guide you through the process and recommend options tailored to your circumstances.
If you’re considering remortgaging your buy to let property, our team is here to provide expert advice from your initial enquiry through to completion.
Can you remortgage a buy to let?
Yes! Most landlords can apply for a buy to let remortgage, provided they meet the lender’s eligibility criteria.
There are many reasons why landlords choose to remortgage, including:
- Securing a more competitive interest rate.
- Releasing equity for future investments.
- Switching to a more suitable mortgage product.
- Moving from a variable rate to a fixed-rate deal.
- Financing improvements to a rental property.
As an independent mortgage broker, Pure Property Finance compares products from multiple lenders to help you find a remortgage that supports your property goals.
How do you remortgage a buy to let property?
The remortgaging process is similar to taking out a new mortgage, although you’re replacing your existing loan rather than purchasing a property.
The typical process includes:
- Reviewing your current mortgage and financial circumstances.
- Assessing your property value through a lender’s valuation.
- Comparing suitable buy to let mortgages from a range of lenders.
- Completing your application and affordability checks.
- Repaying your existing mortgage when your new mortgage completes.
Lenders will usually assess your expected rental income, existing financial commitments, and the property’s overall affordability before making an offer.
Our advisers manage the process from start to finish, helping make your remortgage as straightforward as possible.
Ready to review your mortgage?
Whether you’re looking to reduce your costs or grow your property portfolio, our advisers can compare lenders and recommend a suitable remortgage solution.
Get in touch for expert buy to let remortgage advice.
What’s the difference between a buy to let remortgage and equity release?
Although they’re often mentioned together, they’re not the same.
A buy to let remortgage replaces your existing mortgage with a new one. Depending on the amount you borrow and your property’s current value, you may also be able to release equity as part of the remortgage.
Equity release is a separate financial product that’s generally designed for homeowners aged 55 and over. It is typically used on residential properties rather than investment properties.
If your goal is to access funds from your rental property, remortgaging is often the more suitable route. Our advisers can explain the advantages and potential drawbacks based on your circumstances.
Is a buy to let remortgage taxable?
Remortgaging itself is not usually a taxable event.
However, if you’re releasing equity or using the funds for investment purposes, there may be tax implications depending on how the money is used and your wider financial circumstances.
Tax rules vary from person to person, so it’s important to seek advice from a qualified tax professional. Our advisers can explain the mortgage aspects of your application while working alongside your accountant or financial adviser where appropriate.
Buy to let remortgage or releasing equity: Pros and cons
Many landlords compare remortgaging with releasing equity when looking to fund their next investment.
Benefits of remortgaging
- Access potentially lower interest rates.
- Raise funds to purchase another investment property.
- Consolidate borrowing into one mortgage.
- Switch to a mortgage product that better suits your needs.
- Improve long-term financial planning.
Things to consider
- Arrangement, valuation or legal fees may apply.
- Early repayment charges could be payable on your current mortgage.
- Borrowing more increases the total amount you’ll repay.
- Your eligibility will depend on affordability, rental income, and lender criteria.
Our advisers will help you compare the costs and benefits so you can make an informed decision.
Helpful mortgage resources
Looking for other mortgage services? You may also find these pages useful:
Speak to our team today to discuss your buy to let remortgage and explore the options available to you.
