Finding the best buy-to-let remortgage deal

The best buy-to-let remortgages are often exclusive to independent mortgage brokers like John Charcol. Use our tool to see which buy-to-let remortgage deals could work for you then get in touch with one of our mortgage experts to find out more.

We help you by researching the market and recommending the best product for your situation. We even manage your application from start to finish, liaising with lenders and keeping you updated.

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Use our buy-to-let remortgage comparison tool

Remortgaging buy-to-let properties? If you own up to 3 rental properties then use our comparison tool below to find the best buy-to-let remortgage deals for you on the market right now. 

If you own 4 or more rental properties then visit our page to compare portfolio landlord mortgage rates.

Product Rate
Loan Type

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We've found 19 buy-to-let remortgage deals that match your search

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Scheme ID 11084
Initial rate 1.81% then 4.59% (variable) ?
Monthly repayments £ 226 ?
Type/Duration Variable ?
Scheme fees £1,820 ?
Cost comparison £7,250 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £195, plus (3% until 30-06-22, 2% until 30-06-23)

Other info

Exit fees £195
Basic legals £0

Representative example: A mortgage of £150,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 1.81%, and then on a tracker rate for 22 years and 9 months at 4.59%. This would require 27 payments of £622.00 and 273 payments of £821.94. The total amount payable would be £314,758 made up of the interest (£312,938) and fees (£2,015 which includes exit fees of £195). The overall cost for comparison is 4.37% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 28987
Initial rate 2.12% then 4.09% (variable) ?
Monthly repayments £ 265 ?
Type/Duration Variable ?
Scheme fees £1,010 ?
Cost comparison £7,370 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £195, plus (3% until 31-05-22, 2% until 31-05-23)

Other info

Exit fees £195
Basic legals £0

Representative example: A mortgage of £150,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 2.12%, and then on a variable rate for 22 years and 10 months at 4.09%. This would require 26 payments of £644.58 and 274 payments of £786.44. The total amount payable would be £298,178 made up of the interest (£297,168) and fees (£1,205 which includes exit fees of £195). The overall cost for comparison is 3.95% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 19023
Initial rate 2.62% then 5.5% (variable) ?
Monthly repayments £ 328 ?
Type/Duration Variable ?
Scheme fees £0 ?
Cost comparison £7,860 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3% until 30-06-22, 2% until 30-06-23

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £150,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 2.62%, and then on a tracker rate for 22 years and 9 months at 5.5%. This would require 27 payments of £682.03 and 273 payments of £900.88. The total amount payable would be £346,580 made up of the interest (£346,580) and fees (£50 which includes exit fees of £50). The overall cost for comparison is 5.19% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 7569
Initial rate 2.99% then 5.24% (variable) ?
Monthly repayments £ 374 ?
Type/Duration Variable ?
Scheme fees £1,325 ?
Cost comparison £10,295 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £75, plus (2.25% in years 1-2)

Other info

Exit fees £75
Basic legals £0

Representative example: A mortgage of £150,000 payable over 25 years on a repayment basis, initially on a variable rate for 2 years at 2.99%, and then on a variable rate for 23 years at 5.24%. This would require 24 payments of £710.54 and 276 payments of £884.35. The total amount payable would be £341,150 made up of the interest (£339,825) and fees (£1,400 which includes exit fees of £75). The overall cost for comparison is 5.12% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 71432
Rate 3.14% ?
Monthly repayments £ 393 ?
Type/Duration Variable ?
Scheme fees £1,765 ?
Cost comparison £11,185 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges Not Applicable

Other info

Exit fees £150
Basic legals £0

Representative example: A mortgage of £150,000 payable over 25 years on a repayment basis, on a variable rate for 25 years at 3.1399999999999997%. This would require 300 payments of £722.29. The total amount payable would be £269,665 made up of the interest (£267,900) and fees (£1,915 which includes exit fees of £150). The overall cost for comparison is 3.26% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 30068
Initial rate 3.15% then 5.34% (variable) ?
Monthly repayments £ 394 ?
Type/Duration Variable ?
Scheme fees £30 ?
Cost comparison £9,480 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges £120, plus (2% in years 1-2)

Other info

Exit fees £120
Basic legals £0

Representative example: A mortgage of £150,000 payable over 25 years on a repayment basis, initially on a variable rate for 2 years at 3.15%, and then on a variable rate for 23 years at 5.34%. This would require 24 payments of £723.07 and 276 payments of £893.63. The total amount payable would be £343,830 made up of the interest (£343,800) and fees (£150 which includes exit fees of £120). The overall cost for comparison is 5.17% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 42969
Initial rate 3.19% then 5.89% (variable) ?
Monthly repayments £ 399 ?
Type/Duration Variable ?
Scheme fees £1,514 ?
Cost comparison £11,084 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges Not Applicable

Other info

Exit fees £150
Basic legals £0

Representative example: A mortgage of £150,000 payable over 25 years on a repayment basis, initially on a variable rate for 2 years at 3.1899999999999995%, and then on a variable rate for 23 years at 5.89%. This would require 24 payments of £726.23 and 276 payments of £939.76. The total amount payable would be £364,439 made up of the interest (£362,925) and fees (£1,664 which includes exit fees of £150). The overall cost for comparison is 5.73% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 42972
Initial rate 3.29% then 5.89% (variable) ?
Monthly repayments £ 411 ?
Type/Duration Variable ?
Scheme fees £1,514 ?
Cost comparison £11,384 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2% in years 1 and 2

Other info

Exit fees £150
Basic legals £0

Representative example: A mortgage of £150,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years at 3.29%, and then on a variable rate for 23 years at 5.89%. This would require 24 payments of £734.15 and 276 payments of £940.45. The total amount payable would be £364,739 made up of the interest (£363,225) and fees (£1,664 which includes exit fees of £150). The overall cost for comparison is 5.75% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 19664
Initial rate 3.49% then 5.24% (variable) ?
Monthly repayments £ 436 ?
Type/Duration Variable ?
Scheme fees £1,325 ?
Cost comparison £11,795 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £75, plus (1.75% in years 1-2)

Other info

Exit fees £75
Basic legals £0

Representative example: A mortgage of £150,000 payable over 25 years on a repayment basis, initially on a variable rate for 2 years at 3.49%, and then on a variable rate for 23 years at 5.24%. This would require 24 payments of £750.13 and 276 payments of £887.65. The total amount payable would be £342,650 made up of the interest (£341,325) and fees (£1,400 which includes exit fees of £75). The overall cost for comparison is 5.19% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 11329
Rate 4.95% ?
Monthly repayments £ 619 ?
Type/Duration Variable ?
Scheme fees £2,039 ?
Cost comparison £16,889 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges Not Applicable

Other info

Exit fees £195
Basic legals £0

Representative example: A mortgage of £150,000 payable over 25 years on a repayment basis, on a variable rate for 25 years at 4.95%. This would require 300 payments of £871.64. The total amount payable would be £337,859 made up of the interest (£335,820) and fees (£2,234 which includes exit fees of £195). The overall cost for comparison is 5.17% APRC representative.

0344 346 3672 or Enquire now

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Why Remortgage Buy-to-Let Properties with John Charcol?

We Take Care of Everything

With over 45 years of service, we've seen it all. We can save you money, time and make remortgaging your property easy.

We're Highly Recommended

We have over 1,500 5* reviews on reviews.co.uk, so you can feel confident that your mortgage is in the right hands.

We Give Personal, Expert Advice

We work around your schedule to help you arrange a mortgage that suits your circumstances, no matter how complex.

BTL Remortgage Process

1. First Call

When you contact us, we’ll arrange an appointment between you and one of our advisers – this can be over the phone or face to face. Your adviser will ask you some questions and, once they have all the right information, they’ll go away and find you the best remortgage for your current and future needs. They’ll then organise a follow up appointment to tell you about their recommendation.

2. Decision in Principle

After your adviser has presented you with their recommendation and you’re happy to proceed, they’ll work on securing your DIP (Decision in Principle). Your DIP is a promise from the lender that they’ll loan you the money on the condition that the information you’ve provided is correct and subject to a valuation on the property.

3. Pre-Application and Submission

Once the lender secures your DIP, we’ll start to prepare your mortgage application. We’ll send you a pack that explains all the different documents the lender needs. You’ll be assigned a client relationship manager who’ll go through your documents and get everything ready for submission. Your adviser will then submit your full mortgage application.

4. Lender Underwriting and Valuation

The lender carries out a process called “underwriting” where they check all the information and documents you’ve provided in your application. They’ll also instruct a mortgage valuation on the property to make sure there are no significant problems with it. Sometimes a lender will only instruct a desktop valuation for a remortgage – rather than a physical valuation – as your property would have likely had a valuation and internal inspection when you took out your first mortgage.

5. Mortgage Offer

Following a successful underwriting process and valuation, the lender will accept your application and send you a mortgage offer. They’ll also send a copy to us.

6. Conveyancing

After you accept the mortgage offer, you’ll go through conveyancing which is where a solicitor arranges all the legal paperwork so you can transfer from one lender to another.

7. Completion

Finally, after you’ve signed all the paperwork, your solicitor will set a date to draw down the new money to clear the outstanding balance with your current lender. Any excess funds will be returned to you. This is called completion.

Home Insurance

We’re partners with Legal and General, so we can find you suitable buildings and contents insurance for your property. 

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Protection

It's important to protect yourself against the unforeseen. Our in-house team can organise mortgage protection that's tailored to suit your unique needs.

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JC Legal

Not only do we organise your mortgage, we can refer you to a trusted solicitor for the conveyancing part of the process. We have access to a select panel of trusted conveyancers and solicitors, which means we can find you legal advice specific to your needs.

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Concierge 

We can help you prepare your property for tenants with our exclusive Concierge Service - available through our partners Just Move In. They’ll organise for your property to be cleaned and, if you’re furnishing your property, they’ll arrange all the removals. 

Learn More

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