Buy to Let Remortgages

Building relationships with landlords & helping them with buy to let remortgages when their term is nearing its end.

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Buy to let remortgage to release the equity built up in your property.

Landlords often take up the option of a buy to let remortgage to raise extra capital. This can then be used for property improvements or to fund a deposit to expand their portfolio.

The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.

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When can I remortgage my buy to let property?

If you have carried out a renovation project on a buy to let property then you can remortgage against its improved value.

If you have bought the property for cash then normally you would have to own it for 6 months before Lenders will grant you a buy to let remortgage to release equity.

Whatever the reason for your remortgage, as a mortgage broker, we can help you on your buy to let remortgage journey.

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Buy to Let Remortgage FAQs

How does a buy to let remortgage work?

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Many landlords will choose to remortgage their original property as a means of funding additional property purchases, funding home improvements, buying out a partner or simply switching lenders for better rates.

Any time you decide to refinance your buy to let property, you will have to undergo the same financial checks that occurred at the beginning of your initial mortgage.

How soon can you remortgage a buy to let?

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In the case of most lenders, you will have to abide by the 6 month mortgage rule. The reason this is in place is to reduce the risk for the lender in question.

Land registry can sometimes take up to 6 months to show a new owner of a property, therefore lenders would often rather wait to ensure they’re lending to the right person and for the correct property value.

Can you take equity out of a buy to let?

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Yes, as a landlord you have access to release equity from your property, albeit potentially limited to 75% loan to value.

You can use this to fund the deposit for a new property, for home improvements or other specified reasons.

How do you build equity in rental property?

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When it comes to taking out a buy to let mortgage, some landlords opt for a repayment mortgage over an interest only mortgage so as to pay capital and build equity in the property.

Some landlords will also choose to overpay their mortgage, providing their current mortgage deal allows this.

There are also factors such as any home improvements, be it anything from a new coat of paint to a home extension, as well as property age, both of which affect the market value of your property and build up your equity.

Can I remortgage my house to buy another property?

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So long as you have enough equity in your buy to let property, you are able to remortgage to release this equity and put it towards buying another property.

This is a popular choice for many buy to let landlords across the UK.

Why should I use a mortgage broker when looking at a buy to let remortgage?

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Being a mortgage broker, we have access to 1000's of buy to let remortgage deals.

Our team work hard in finding the best deal that is appropriate for your circumstances and here to provide any support or guidance you need throughout the process

8 Reasons to choose UK Moneyman

We're open every day of the week, until late.

We work flexible hours, allowing you to schedule an appointment around your busy property management and family life.

Completely free mortgage appointment.

We won't ask you to pay us upfront, we're only paid if we can get you a mortgage.

You will receive your own dedicated case manager.

You'll have a familiar face all throughout your mortgage process.

We're here for you, to make your process easier.

Being a landlord is a busy job and doesn't leave a lot of time to arrange your remortgage. Let us take the weight off your shoulders with a fast & friendly service.

Jargon free insurance advice

With a variety of insurance products on offer, we can recommend you the most suitable ones so you can stay in your home if you become seriously ill and unable to work.

1000s of buy to let deals.

We'll look around for a suitable deal with more favourable rates, so that you can get back to business as usual with your buy to let property.

We are experienced with the buy to let market and have a lot of knowledge of lender criteria.

We build relationships with landlords, with many of them coming back when it's time to remortgage a property from their buy to let portfolio.

Your mortgage advisor will be with you every step of the way.

Should you encounter any obstacles like issues with property surveys and down valuations on your mortgage journey, our team can help you overcome these.

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Reviews Stars4.97 Rating255 Reviews

We search 1000s of buy to let remortgage deals

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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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