Timing is most of the game on a buy to let remortgage. Secure your next rate up to six months before your current one ends and you can complete the day your early repayment charge stops, without spending a month on the standard variable rate. We watch the pricing until completion and re-check if it improves.
HTG Mortgages
Is your buy to let fixed rate ending soon?
Last Updated: September 2026
Featured in The Telegraph • Daily Mail • The Times • Sky News
If your buy to let rate is ending, rolling onto the lender’s standard variable rate is nearly always the expensive option. We compare buy to let remortgage options from over 120 lenders, including limited company and portfolio cases, and tell you honestly whether switching or staying put is the better answer. I have been in your shoes myself at one point, so I know what this decision looks like from your side of the table.
Whole-of-market comparison across 120+ lenders, including limited company and portfolio cases
Speak directly to Harry, not a call centre, no passing you around
Start up to six months before your current rate ends and time the switch to avoid the standard variable rate
Ask me about your buy to let remortgage
Tell me where to reach you and I will come back to you, usually the same working day.
You'll speak to me, Harry, not a call centre.Prefer to book a slot? Book a 15 minute call
or call 01425 203055
As featured in…
Meet your Advisor
Harry Goodliffe
- FCA Authorised
- Director & Mortgage Advisor
“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”
Let’s Talk About Your Mortgage
The buy to let remortgage process
1
Step 1
First Chat
Contact us for a no-pressure chat about your property, your current mortgage and what you want from the next one. We’ll tell you honestly where you stand.
2
Step 2
Research
We’ll check a product transfer with your current lender against remortgage options across the whole market, and show you the real numbers side by side.
3
Step 3
Application
Once you’ve chosen a mortgage, we’ll handle the application process, liaising with the lender on your behalf.
4
Step 4
Completion
After approval, we’ll ensure a smooth transition to your new mortgage, keeping you informed at every step.
About
Our approach.
Why choose HTG Mortgages?
More landlords are remortgaging than buying right now. UK Finance counted 39,160 buy to let remortgages in the first quarter of 2026, up 11.1% on a year earlier. The situations we help with most include:
Rate Ending Soon
Most lenders let you secure your next rate three to six months ahead, so you can line up the switch and never spend a month on the standard variable rate.
Rental Cover Shortfalls
Lenders stress-test your rent at different rates, so failing at one lender does not mean failing everywhere. Some can use your other income to top up, known as top slicing.
Releasing Equity
Remortgaging can release money toward the next deposit or refurbishment, as long as the rent still covers the new loan at the lender’s stress rate.
Limited Company & Portfolio
We arrange remortgages for properties held in a limited company or SPV, and for portfolio landlords with four or more mortgaged properties.
How HTG Mortgages Can Help
At HTG Mortgages, we speak to landlords whose current lender’s renewal offer is nowhere near the best available. As an independent, whole-of-market broker we compare buy to let remortgage options from over 120 lenders. Here’s how we can assist you:
- Product Transfer or Remortgage: We price both routes against your numbers and tell you what we find, including when staying with your current lender is the honest answer.
- Rental Cover Worked Properly: Different lenders use different stress rates, typically needing rent to cover around 125% to 145% of the interest. We match your figures to the lenders where they actually pass.
- Timing the Switch: Start about six months early and we can usually secure your next rate that completes the day your early repayment charge ends, with a re-check if pricing improves before completion.
- One Clear Fee: £350 on mortgage offer, not upfront, the same for buy to let remortgages and limited company cases. Full details on our fees page.
Who buy to let remortgages can help
A buy to let remortgage could be the right route if:
- Your fixed or tracker rate ends in the next six months.
- You’re already sitting on your lender’s standard variable rate.
- You want to release equity toward another purchase or refurbishment.
- Your property is held in a limited company or SPV, or you’re a portfolio landlord.
- Your current lender’s rental cover calculation is holding you back.
The right route depends on your numbers and your plans, and working that out is exactly what an advice appointment is for. Most buy to let mortgages are not regulated by the Financial Conduct Authority.
Why use HTG’s mortgage services?
Available 24/7, so we are always there to help when you need us
We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages
We provide unrivalled customer service, ensuring that you get the care you deserve
Let’s get your mortgage sorted
Written by Harry Goodliffe
Director & Mortgage Adviser, HTG Mortgages · FCA Authorised (1017945)
CeMAP Qualified · Featured in National Press · South England Prestige Awards 2026/27 winner