Buy to Let Remortgage
Switching to a better rate — or reviewing whether your ownership structure still makes sense.
FREE Buy to Let Investor Guide
BTL mortgage requirements, tax-efficient structures, and portfolio expansion strategies.
"Too many landlords drift onto their lender's standard variable rate because remortgaging a Buy to Let feels more complicated than it is. We search the market, tell you honestly what's realistic, and handle the process end to end."
— The Domus Team
Why Remortgage Your Buy to Let?
Lower Rates
Switch to a more competitive rate and improve your rental yield.
Avoid the SVR
Standard variable rate is typically the most expensive option — never a good reason to sit on it.
Raise Capital
Release equity to fund your next purchase, refurbishment, or portfolio expansion.
When Should You Remortgage?
Your Fixed Rate is Ending
Start looking around 6 months out — offers are typically valid for 6 months, so locking one in early protects you against rate rises while we keep watching for something better.
Rates in the Market Have Moved
Even mid-deal, it's worth knowing what's available — we track the market so you don't have to.
You Want to Raise Additional Capital
For your next purchase, refurbishment, or another investment — assessed on the same rental-cover basis as a fresh purchase.
What If the Numbers Don't Stack Up? Product Transfers
Rental stress testing has tightened considerably over recent years — even if nothing about your circumstances has changed, you might not pass a new lender's affordability criteria today the way you did when you took out your current mortgage. That doesn't mean you're stuck on an expensive rate.
A Product Transfer — switching to a new rate with your existing lender rather than moving to a new one — usually avoids the full re-underwriting a new lender would require: no fresh affordability or rental-cover assessment in most cases, and no new valuation. It's typically faster too, often arranged in days rather than weeks.
The trade-off is choice — you're limited to whatever your existing lender is offering, so it isn't always the cheapest route, and a whole-of-market remortgage may still beat it. Stress testing is generally a little more generous on a like-for-like remortgage than when you're raising additional capital, but criteria across the market are tighter than they used to be either way, so there's never a guarantee the numbers will fit with a new lender.
We compare product transfer and full remortgage side by side and tell you honestly which works out better for your situation — not just the option that's easiest to arrange.
Already Own Buy to Lets in Your Personal Name?
Moving existing rental properties into a limited company — known as incorporation — is worth considering at remortgage time, but it's a bigger decision than it used to be. Two things have changed:
- 1.Mortgage rates are higher than a few years ago, which makes the affordability numbers on a new company mortgage tighter.
- 2.Moving a property into a company usually counts as a sale for tax purposes — which can trigger Capital Gains Tax and Stamp Duty, even though no money actually changes hands.
For some landlords — particularly higher-rate taxpayers with several properties — incorporation still pays for itself over the long run. For others, the upfront tax cost outweighs the ongoing saving. This isn't a decision to make from a website. We'll model your actual numbers and work alongside your accountant before you commit to anything.
A Portfolio Review Covers
- ✓Whether incorporation makes financial sense for your specific portfolio and tax position
- ✓What a new company mortgage would actually cost against current rates and rent
- ✓The CGT and Stamp Duty exposure, worked through with your accountant
- ✓A plan for any properties better left as they are
See How Much You Could Save
A free, no-obligation review — product transfer and full remortgage compared side by side.
Run the Numbers
Useful for checking a like-for-like remortgage or additional borrowing — though criteria are tighter than they used to be, so there's never a guarantee.