Mortgage Refinance for Buy to Let (2026) – Compare Landlord Rates & Apply Today
Mortgage Refinance for Buy to Let 2026 Compare Landlord Rates Apply Today
If you own a rental property, refinancing your buy to let mortgage could lower interest costs, increase rental yield, or release equity for new investments.
Compare leading buy to let refinance lenders, review fixed and variable rate options, and secure competitive terms today.
Why Refinance a Buy to Let Mortgage?
- Secure a lower interest rate
- Increase rental profit margin
- Release equity for portfolio expansion
- Switch from variable to fixed rate
- Consolidate property loans
- Improve cash flow
Even a small rate reduction can significantly improve annual rental returns.
Current Buy to Let Refinance Rates (2026)
| Loan Type | Estimated Rate Range |
|---|---|
| 2-Year Fixed | 3.5% – 5.5% |
| 5-Year Fixed | 3.8% – 5.8% |
| Tracker Mortgage | Base Rate + Margin |
Rates depend on loan-to-value (LTV), rental income, credit profile, and property type.
Equity Release for Property Investors
A refinance may allow you to unlock equity and use funds for:
- Purchasing additional rental properties
- Property renovation & upgrades
- Debt consolidation
- Expanding your investment portfolio
Landlords often refinance to scale portfolios while maintaining positive cash flow.
Buy to Let Refinance Eligibility
- Minimum rental income coverage ratio
- Acceptable credit history
- Property valuation assessment
- Loan-to-value typically 60–75%
How to Refinance Your Buy to Let Mortgage
- Compare landlord refinance rates
- Calculate rental yield impact
- Estimate arrangement & valuation fees
- Submit income & property documentation
- Lock in new mortgage terms
Maximise Your Rental Investment Returns
Refinancing your buy to let mortgage can optimise interest costs and improve long-term property profitability.
Compare lender offers. Lock a competitive rate. Refinance your buy to let property today.