When choosing the best buy-to-let remortgage deal, expertise counts

The best Buy-to-Let remortgages are exclusive to independent mortgage brokers like John Charcol. When you’ve found the best Buy-to-Let remortgage deal for you, it’s time to get in touch with one of our mortgage experts. 

We will help you by thoroughly researching the market, and we will even manage your application from start to finish. To find out if you qualify or if there are better options available, get in touch with our mortgage experts for a detailed, personalised search. 

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Use our buy-to-let remortgage comparison tool

If you’re remortgaging an existing buy-to-let property, our comparison tool will help you find the best buy-to-let remortgage deals on the market. 

Product Rate
Loan Type

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We suggest you use our ‘True Cost Comparison’ filter. This allows you to accurately understand how different mortgages compare by ordering results based on the total cost over a ‘deal period’, such as a two, or five-year fixed rate mortgage.

Some low interest rate deals might seem attractive, but if fees are higher they might not be the best value for you. When comparing mortgage deals our true cost comparison factors the lender fees over the length of the deal as well as your monthly mortgage payments.

For example, if your repayments are £2,000 per month on a two-year fixed-rate mortgage, plus £500 in lender fees, the total cost of the deal is £48,500.

We've found 36 buy-to-let remortgage deals that match your search

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Scheme ID 26966
Initial rate 1.65% then 6.14% (variable) ?
Monthly repayments £ 206 ?
Type/Duration Variable ?
Scheme fees £4,813 ?
Cost comparison £9,763 ?

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 1.6499999999999995%, and then on a variable rate for 23 years at 6.14%. This would require 24 payments of £610.53 and 276 payments of £949.10. The total amount payable would be £371,743 made up of the interest (£366,930) and fees (£4,963 which includes exit fees of £150). The overall cost for comparison is 5.90% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 676
Initial rate 1.71% then 5% (variable) ?
Monthly repayments £ 214 ?
Type/Duration Variable ?
Scheme fees £1,999 ?
Cost comparison £6,629 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3% until 30-12-21, 2% until 30-12-22

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 1.71%, and then on a tracker rate for 22 years and 9 months at 5%. This would require 27 payments of £614.82 and 273 payments of £853.25. The total amount payable would be £327,945 made up of the interest (£325,946) and fees (£2,049 which includes exit fees of £50). The overall cost for comparison is 4.72% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 19559
Initial rate 1.73% then 4.59% (variable) ?
Monthly repayments £ 216 ?
Type/Duration Variable ?
Scheme fees £1,820 ?
Cost comparison £7,010 ?

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 30-11-21, 2% until 30-11-22)

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 1.73%, and then on a tracker rate for 22 years and 10 months at 4.59%. This would require 26 payments of £616.25 and 274 payments of £822.05. The total amount payable would be £314,845 made up of the interest (£313,025) 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 1075
Initial rate 1.82% then 5% (variable) ?
Monthly repayments £ 228 ?
Type/Duration Variable ?
Scheme fees £999 ?
Cost comparison £6,209 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3% until 30-11-21, 2% until 30-11-22

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 1.82%, and then on a tracker rate for 22 years and 9 months at 5%. This would require 27 payments of £622.72 and 273 payments of £854.16. The total amount payable would be £327,567 made up of the interest (£326,568) and fees (£1,049 which includes exit fees of £50). The overall cost for comparison is 4.69% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 18923
Initial rate 2.18% then 5% (variable) ?
Monthly repayments £ 273 ?
Type/Duration Variable ?
Scheme fees £0 ?
Cost comparison £6,540 ?

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 31-12-21, 2% until 31-12-22

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 2.18%, and then on a tracker rate for 22 years and 9 months at 5%. This would require 27 payments of £649.01 and 273 payments of £857.07. The total amount payable would be £328,033 made up of the interest (£328,033) and fees (£50 which includes exit fees of £50). The overall cost for comparison is 4.69% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 1817
Initial rate 2.44% then 4.1% (variable) ?
Monthly repayments £ 305 ?
Type/Duration Variable ?
Scheme fees £1,734 ?
Cost comparison £9,054 ?

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 £50, plus (2% in year 1, 1% in year 2)

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 at 2.44%, and then on a variable rate for 23 years at 4.1%. This would require 24 payments of £668.40 and 276 payments of £790.26. The total amount payable would be £300,554 made up of the interest (£298,820) and fees (£1,784 which includes exit fees of £50). The overall cost for comparison is 4.05% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 4923
Initial rate 2.54% then 4.1% (variable) ?
Monthly repayments £ 318 ?
Type/Duration Variable ?
Scheme fees £1,534 ?
Cost comparison £8,904 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £50, plus (2% in year 1, 1% in year 2)

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 at 2.54%, and then on a variable rate for 23 years at 4.1%. This would require 24 payments of £675.95 and 276 payments of £790.90. The total amount payable would be £300,404 made up of the interest (£298,870) and fees (£1,584 which includes exit fees of £50). The overall cost for comparison is 4.05% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 4921
Initial rate 2.54% then 4.1% (variable) ?
Monthly repayments £ 318 ?
Type/Duration Variable ?
Scheme fees £1,534 ?
Cost comparison £9,154 ?

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 £50, plus (2% in year 1, 1% in year 2)

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 at 2.54%, and then on a variable rate for 23 years at 4.1%. This would require 24 payments of £675.95 and 276 payments of £790.90. The total amount payable would be £300,654 made up of the interest (£299,120) and fees (£1,584 which includes exit fees of £50). The overall cost for comparison is 4.05% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 4929
Initial rate 2.84% then 4.1% (variable) ?
Monthly repayments £ 355 ?
Type/Duration Variable ?
Scheme fees £35 ?
Cost comparison £8,305 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £50, plus (2% in year 1, 1% in year 2)

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 at 2.84%, and then on a variable rate for 23 years at 4.1%. This would require 24 payments of £698.90 and 276 payments of £792.76. The total amount payable would be £299,805 made up of the interest (£299,770) and fees (£85 which includes exit fees of £50). The overall cost for comparison is 4.02% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 4924
Initial rate 2.84% then 4.1% (variable) ?
Monthly repayments £ 355 ?
Type/Duration Variable ?
Scheme fees £35 ?
Cost comparison £8,555 ?

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 £50, plus (2% in year 1, 1% in year 2)

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 at 2.84%, and then on a variable rate for 23 years at 4.1%. This would require 24 payments of £698.90 and 276 payments of £792.76. The total amount payable would be £300,055 made up of the interest (£300,020) and fees (£85 which includes exit fees of £50). The overall cost for comparison is 4.02% APRC representative.

0344 346 3672 or Enquire now

View more mortgages

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.

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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Insurance

We’re partners with Legal and General, so we can find you buildings and contents insurance for your new property. Our in-house team can also organise mortgage protection to suit your unique needs.

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Equity Release

It’s easy to overlook your property as part of your finances, but your home is probably the biggest asset you have. Release money from your home with John Charcol's partnership with Key Retirement. Find out more and start the process today.

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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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