Should Landlords Choose a Fixed Rate or Tracker Mortgage?
For landlords reviewing a buy-to-let mortgage or remortgage, one of the biggest decisions is whether to choose a fixed rate or a tracker mortgage. It is not always a simple choice. A fixed rate may offer certainty. A tracker may offer flexibility. One may look more attractive today, while the other may prove more suitable […]
How Rental Stress Testing Can Affect Your Next Mortgage
Many landlords think about their next mortgage in simple terms. What is the property worth? How much is outstanding on the current mortgage? What rent is being received? What interest rate is available? Those are all important questions, but there is another issue that can have a major impact on the outcome of a buy-to-let […]
Landlords Facing Higher Monthly Payments: What Are Your Options?
Many landlords are now facing a very different mortgage market from the one they experienced when their current deal was arranged. For some, the change can be significant. A landlord who fixed their buy-to-let mortgage several years ago may now be approaching the end of that deal and discovering that the new monthly payment could […]
Why Buy-to-Let Mortgages Are Not Just About the Lowest Rate
When landlords review a buy-to-let mortgage or remortgage, the first question is often obvious: what is the rate? That is understandable. Interest rates matter. They affect monthly payments, rental profit, cash flow and the long-term cost of borrowing. In a market where landlords are already dealing with higher costs, changing regulation, tax pressure, repairs, insurance […]
The Landlord Remortgage Clock: What to Do 6 Months Before Your Deal Ends
For landlords, a remortgage should not begin when the current mortgage deal is only a few weeks away from ending. By that point, the clock is already working against you. The better approach is to start reviewing your position around 3 to 6 months before your existing mortgage deal ends. That gives you time to […]
Why Landlords Need to Start Mortgage Planning Earlier Than Ever
For landlords, mortgage planning has changed. A few years ago, many landlords were able to approach their next mortgage or remortgage with a reasonable degree of confidence. Rates were lower, lender appetite was often stronger, and in many cases the process felt relatively straightforward for experienced property owners. That is no longer something landlords should […]
The Latest Mortgage and Remortgage Rates for Landlords
Here are just some of the thousands of mortgage and remortgage products available through NetRent and our business partners: Whole of market. Free no obligation lending review. No offer, no fee Personal buy-to-let – 75% LTV – 4.54% 5 year fixed – no lender fee Limited Company BTL – 75% LTV – 5.19% 5 year fixed […]
What’s happening to UK mortgage rates right now focusing, on buy-to-let and remortgaging
Mortgage rates in the UK have been volatile and, for many borrowers, frustratingly high. If you’re remortgaging this year or trying to make buy-to-let numbers work, it can feel like the goalposts move every week. This guide explains what’s happening right now, why it’s happening, what could realistically change next, and—most importantly—how working with our […]
Remortgage vs Product Transfer for Landlords: which is best for you?
Landlord renewal coming up? Learn the real difference between a remortgage and a product transfer, when each makes sense, and the traps to avoid. The landlord renewal decision most people rush When a landlord mortgage deal is ending, you’ll usually have two broad routes: Product transfer (sometimes called a “rate switch”) with your current lender […]