Mortgages for Personal Name BTL Remortgage

Remortgaging your buy-to-let can move you to a sharper rate when your current deal ends, release equity to fund your next purchase, or reposition a property within your portfolio. Whichever route you're weighing, the lender will reassess rental coverage and your wider financial position as part of the process, so the right deal isn't always the headline rate.

Our mortgage advisers compare landlord remortgage options across the whole market, stress-test the rental figures against lender criteria, and run the numbers on rate versus fees versus true cost. We'll also flag whether a product transfer with your current lender is worth keeping, or whether switching makes sense.

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Landlord remortgage deals by LTV

Your loan-to-value (LTV) is one of the biggest drivers of the rates available on a buy-to-let remortgage, and for landlords, the practical ceiling is typically 75–85% LTV depending on the lender. Use the tabs below to compare today's lowest true-cost landlord remortgage deals across different equity levels.

These tables show illustrative best-buy deals for a typical personal-name buy-to-let remortgage. Your own rate and options depend on your rental cover, circumstances and portfolio. Speak to a mortgage adviser for a personalised comparison.

Explore our landlord remortgage resources

We've pulled together everything you need to plan a buy-to-let remortgage, from rental coverage and interest cover ratio (ICR) stress tests, to timing, fees and raising capital against your rental property.

How our landlord remortgage service works

Tell Us About You

Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.

Mortgage Match

We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.

Meet your Expert

We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.

Our buy-to-let mortgage lenders

These lenders offer buy-to-let mortgages. For your remortgage, we compare rental coverage requirements, property criteria and available products against your current deal and plans.

56+ lenders

Guides for Personal Name Buy-to-Let

How to get a buy-to-let mortgage

A practical guide to securing a buy-to-let mortgage as a first-time property investor, including how lenders assess applications and how to prepare your finances and documents.

Buy-to-let mortgage stress tests: ICR and affordability

Learn what buy-to-let mortgage stress tests are, how lenders assess affordability using rental income and interest coverage, and practical ways landlords can prepare their application.

Is there an age limit for a buy-to-let mortgage?

Learn how mortgage age limits work in the UK, what lenders mean by “end of term” caps, and the options available for older borrowers—plus what’s different with buy-to-let.

First-Time Buyer Landlord Buy-to-Let Mortgages: A Guide to Getting Your First Rental

A practical guide for first-time buyers purchasing their first property as a buy-to-let, including how lenders assess rental income, deposits and property suitability.

Buy-to-Let Mortgages with a CCJ Guide

A specialist guide to buy-to-let mortgages when you have a CCJ, including how lenders assess the CCJ (status, number, amount, wider credit history), what can strengthen an application, joint applications, HMO and holiday let considerations, and what to expect when remortgaging.

Proof of income for a buy-to-let mortgage

A practical guide to proof of income for buy-to-let mortgage applications, including when lenders require personal income evidence, what documents professional landlords provide, and how salary and other earnings types are treated.

Buy-to-let affordability: how much can you borrow?

A practical guide to how buy-to-let affordability is assessed, what can make borrowing harder, and where opportunities may exist for different landlord circumstances.

Buy-to-let portfolio mortgages: a complete guide

A complete, practical guide to buy-to-let portfolio mortgages for landlords with four or more mortgaged rental properties—covering how lenders assess portfolios (ICR, stress testing and costs), portfolio finance versus separate mortgages, ownership structures, tax considerations (SDLT and Section 24), growth and remortgaging strategy, and day-to-day portfolio management.

What Is an Unregulated Buy-to-Let Mortgage? A Landlord's Guide to the Protections

Learn what an unregulated mortgage is, when it may apply to property investment and commercial finance, and the key risks and characteristics to consider.

Ready to talk through your buy-to-let remortgage?

Tell us about your rental property and current deal, and one of our mortgage advisers will come back to you with clear, no-pressure guidance, whether that's a product transfer, a full remortgage, or releasing equity for your next purchase.