Mortgage Compare
    Best mortgage rates · Buy-to-let · July 2026

    Today’s best buy-to-let remortgage rates, for the next move and the one after.

    BTL remortgage best buys re-ranked every night from lender product data — whether you’re releasing equity, replacing an expiring deal, or reviewing a portfolio.

    40+ lender product books Fee & no-fee best buys No signup, no credit check Refreshed nightly
    Refreshed nightly — rates as of 13 July 2026
    Loan to valueLTV = loan ÷ property value. A £50k deposit on a £250k home is 80% LTV.

    Remortgage best rates

    Refinance your rental at today's lowest BTL rates. Monthly shown interest-only.

    FixedTracker
    LenderInitial rateMonthlyFixed untilThenProduct fee
    1
    H
    HSBC BankBest rate    		4.33%£722on £200,000 int-onlyOct 20287.25%£3,999Free legalsFree valuationSee full deal →
    2
    N
    NatWest Group    		4.34%£723on £200,000 int-only2 yrs6.74%£3,499Free legalsFree valuationSee full deal →
    3
    S
    Santander UK    		4.52%£753on £200,000 int-onlyOct 20286.50%£1,749See full deal →
    4
    S
    Santander UK    		4.92%£820on £200,000 int-only2 yrs6.50%NoneSee full deal →
    5
    H
    HSBC Bank    		4.94%£823on £200,000 int-onlyOct 20287.25%NoneFree valuationSee full deal →
    Cheapest with no product feeSantander UK at 4.92% — £820/moView →

    Monthly payments illustrated on a £200,000 interest-only; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.

    A buy-to-let remortgage does two jobs. The first is replacing an expiring deal — avoiding the lender’s follow-on rate, which tends to be materially higher than anything on the open market. The second is releasing equity from a property that’s risen in value, to fund the deposit on the next purchase. Both are legitimate, but the rental stress test is applied fresh at remortgage, and if rates have risen since the original purchase, the same monthly rent may now support a smaller loan. That arithmetic catches landlords off guard.

    Product transfers — switching to a new deal with your existing lender without a full remortgage application — sit outside these tables but are worth considering. They’re faster, need no new affordability assessment, and avoid legal and valuation costs. The trade-off is that your existing lender’s range is fixed. Use the rates here as the benchmark to judge any retention offer against. If you hold four or more mortgaged properties, lenders classify you as a portfolio landlord and underwrite against the whole portfolio, which narrows the field significantly.

    Remortgage rates by term

    2-year fixed ratesBest 2-year fixed deals for remortgages.3-year fixed ratesBest 3-year fixed deals for remortgages.5-year fixed ratesBest 5-year fixed deals for remortgages.10-year fixed ratesBest 10-year fixed deals for remortgages.2-year tracker ratesBest 2-year tracker deals for remortgages.3-year tracker ratesBest 3-year tracker deals for remortgages.5-year tracker ratesBest 5-year tracker deals for remortgages.

    Other purposes

    Purchase best ratesToday's best buy-to-let purchase deals.

    We ingest the data ourselves

    Most comparison tables license the same third-party panel. We build ours directly from lender product data, run through our own quality-assurance pipeline — so we sometimes list deals other sites miss.

    Refreshed every night

    Every product, every lender, re-ranked nightly. No manually maintained best-buy lists, no stale screenshots of last week's market.

    Mortgages only

    We're the UK's only mortgage-only comparison site. No credit cards, no car insurance — just every flavour of mortgage, done properly.

    Frequently asked questions

    How these tables work, and how to choose between the deals on them.

    01Why might I be able to borrow less on my BTL remortgage than I could on the original purchase?
    Because the rental stress test is recalculated at today’s rates. If the stressed rate used in the ICR calculation is now higher than when you originally bought — which is common after a period of rate rises — the same monthly rent covers a smaller maximum loan. You may also have moved into a higher-rate taxpayer bracket, which lifts the ICR requirement from 125% to 145%. Either factor can reduce your maximum loan even if the property’s value has gone up.
    02How do landlords use a remortgage to fund the next property purchase?
    When a BTL property has risen in value since purchase, remortgaging at a higher loan releases the difference as cash. That cash is commonly used as the deposit on a further BTL purchase — a deliberate cycle of equity recycling. The constraint is the ICR: the increased loan on the remortgaged property must still pass the rental stress test at the new loan size, and higher gearing means higher monthly interest, which the rent must cover by the required margin.
    03When should I consider a product transfer rather than a full remortgage?
    A product transfer makes sense when the cost and friction of switching outweigh the rate saving available elsewhere. Legal fees on a BTL remortgage typically run to several hundred pounds, and a valuation is usually required. If your current lender’s retention rates are close to the open market — particularly if you have a higher-risk profile (high LTV, portfolio landlord, HMO) that narrows your options — the certainty of a quick transfer can be worth accepting a slightly worse headline rate.
    04Does remortgaging across a portfolio work differently from a single property?
    Yes. Once you hold four or more mortgaged properties, most lenders classify you as a portfolio landlord and require a background portfolio schedule — a full view of all properties, loans, values and rental income across the portfolio. Some lenders exit the portfolio segment entirely; those who remain apply stress tests to the whole book, not just the remortgaging property. This often lengthens the underwriting process and narrows the field, which is why a whole-of-market broker is usually worthwhile at that scale.
    05How far ahead of my fixed rate expiry should I start looking at BTL remortgage rates?
    Most lenders let you lock a new BTL rate up to six months before your current deal expires, with the new rate activating on the expiry date. Starting at month four or five of that window is practical — early enough to shop around and complete the application, late enough that the available rates are close to what you’ll actually complete at. A product transfer with your existing lender can often be arranged with less notice if you run short of time.

    Work out which deal actually wins

    Fixed Term Comparison2yr vs 5yr — cost of certainty and break-even rate.Fee vs RateIs a £999 fee worth the lower rate on your loan?AffordabilityHow much could you borrow across 40+ lenders?

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    Important: The information and tools provided on this website are for informational purposes only and do not constitute financial advice. Whilst every effort has been taken to ensure accuracy, you should seek independent financial advice to ensure your specific circumstances are fully taken into account before committing to any course of action.

    Rates and product terms can change at any time — always verify with the lender before applying. Our calculators provide estimates based on the inputs you give and modelling assumptions; actual lender decisions and figures may differ. Some content on this site, including property and area summaries, is generated with the help of AI and may contain errors — please verify anything material. We link to lender, broker and third-party websites we don't control and aren't responsible for their content.

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