Interest rates change frequently. Remortgaging can help landlords move to a lower rate and reduce ongoing expenses.
Services
Get the Best Buy to Let Remortgage Deals
Rainstone Money helps you remortgage your buy-to-let property, securing competitive deals tailored to your rental income and investment goals.
Protect Your Property
How Buy to Let Remortgaging Works?
Buy-to-let remortgaging involves replacing your current mortgage on a rental property with a new one, either from your existing lender or a different provider.
The new mortgage pays off the old loan. Landlords typically remortgage to secure a better interest rate, release equity from the property, or adjust loan terms to improve cash flow and investment returns.
Why Remortgage a BTL?
Reduce Mortgage Costs
Avoid Higher Standard Rates
When fixed terms end, lenders move borrowers to standard variable rates. Remortgaging can help avoid this increase.
Fund Property Improvements
Many landlords remortgage rental property to finance upgrades that increase rental value and tenant demand.
Improve Mortgage Flexibility
A new lender may offer better repayment options or interest-only structures for landlords.
Access Equity for New Investments
If your property value has increased, you can remortgage a buy-to-let property to get funds for additional property purchases.
AWARDS
Lending Eligibility Standards
BTL Lending Criteria and Stress Testing
Lenders prioritise rental coverage over personal salary. Furthermore, lenders apply “stress tests” against higher interest rates and increasingly demand an EPC rating of C or above to secure the best terms.
Our Process
How Rainstone Money Secures Your
Ideal BTL Remortgage
Strategic Portfolio Assessment
By analysing your Interest Coverage Ratio (ICR) and property value, we ensure your remortgage meets modern stress-testing benchmarks while maximising your borrowing potential.
Whole-of-Market Comparison
We provide access to specialist lenders offering exclusive rates for Limited Companies and “Green” incentives for properties with an EPC rating of C or above.
Streamlined Application Management
We handle all lender negotiations and documentation that avoids costly periods on Standard Variable Rates (SVR).
Expert Remortgaging Advice
Get More Value from Your Rental Property
Remortgaging can fund property upgrades and help expand your portfolio. With Rainstone, you can confidently remortgage buy-to-let property and secure competitive rates.
Access to Specialist Lenders
Access buy-to-let lenders who know your requirements and provide competitive rates according to your rental income, property type, and portfolio size.
Expert Advice for Landlords
Every landlord’s situation is unique. Rainstone evaluates your needs to recommend the best buy to let remortgage options that suit you.
Support from Start to Finish
Remortgaging rental property can be complex, with legal, valuation, and documentation hurdles. Rainstone handles all the steps for you.
Advantages and Disadvantages of Buy-to-Let Remortgage
Discover the pros and cons of a refinance mortgage with Rainstone Money.
Pros
- Potentially lower mortgage interest rates.
- Release equity from property growth.
- Improve monthly cash flow.
- Support expansion of rental portfolios.
Cons
- Early repayment fees may apply.
- Mortgage arrangement costs can increase expenses.
- Lender affordability checks may limit borrowing.
- Market conditions affect available rates.
Why us?
Grow Your Property
Portfolio
Our expert team handles the complexity so you can focus on growing your property portfolio.