Cyborg Finance

Compare today's best-buy landlord remortgage deals by LTV, then talk to our mortgage advisers about securing a sharper rate, releasing equity from your rental property, or restructuring your buy-to-let portfolio.

Mortgages for Landlord Remortgage

Remortgaging your buy-to-let can move you to a sharper rate when your current deal ends, release equity to fund your next purchase, or reposition a property within your portfolio. Whichever route you're weighing, the lender will reassess rental coverage and your wider financial position as part of the process, so the right deal isn't always the headline rate.

Our mortgage advisers compare landlord remortgage options across the whole market, stress-test the rental figures against lender criteria, and run the numbers on rate versus fees versus true cost. We'll also flag whether a product transfer with your current lender is worth keeping, or whether switching makes sense.

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Landlord remortgage deals by LTV

Your loan-to-value (LTV) is one of the biggest drivers of the rates available on a buy-to-let remortgage, and for landlords, the practical ceiling is typically 75–85% LTV depending on the lender. Use the tabs below to compare today's lowest true-cost landlord remortgage deals across different equity levels.

These tables show illustrative best-buy deals for a typical personal-name buy-to-let remortgage. Your own rate and options depend on your rental cover, circumstances and portfolio. Speak to a mortgage adviser for a personalised comparison.


Explore our landlord remortgage resources

We've pulled together everything you need to plan a buy-to-let remortgage, from rental coverage and interest cover ratio (ICR) stress tests, to timing, fees and raising capital against your rental property.


How our landlord remortgage service works

Tell Us About You

Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.

Mortgage Match

We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.

Meet your Expert

We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.


Landlord remortgage lenders we work with

As an independent broker we search deals from a wide panel of high-street and specialist buy-to-let lenders, not just your current one. That means more options when your fix ends, including lenders who'll consider portfolio landlords, varied rental setups and tighter coverage ratios.


Buy-to-Let Guides for Landlords

How to get a buy-to-let mortgage

A practical guide to securing a buy-to-let mortgage as a first-time property investor, including how lenders assess applications and how to prepare your finances and documents.

Buy-to-Let Mortgage Stress Tests Explained: A Landlord's Guide to ICR and Affordability

Learn what buy-to-let mortgage stress tests are, how lenders assess affordability using rental income and interest coverage, and practical ways landlords can prepare their application.

Is There an Age Limit for a Buy-to-Let Mortgage? A Landlord's Guide to Later-Life Lending

Learn how mortgage age limits work in the UK, what lenders mean by “end of term” caps, and the options available for older borrowers—plus what’s different with buy-to-let.

Considering a Buy-to-Let Mortgage: First-Time Buyers Guide

A practical guide for first-time investors thinking about a buy-to-let mortgage, including how buy-to-let differs from residential lending, what lenders typically assess, and how to prepare for the application.

Proof of Income for a Buy-to-Let Mortgage: A Landlord's Guide to What Lenders Accept

A practical guide to proof of income for buy-to-let mortgage applications, including when lenders require personal income evidence, what documents professional landlords provide, and how salary and other earnings types are treated.

Buy-to-Let Affordability Explained: A Landlord's Guide to Borrowing More

A practical guide to how buy-to-let affordability is assessed, what can make borrowing harder, and where opportunities may exist for different landlord circumstances.

Portfolio Buy-to-Let Mortgages: A Landlord's Complete Guide (4+ Properties)

A complete, practical guide to buy-to-let portfolio mortgages for landlords with four or more mortgaged rental properties—covering how lenders assess portfolios (ICR, stress testing and costs), portfolio finance versus separate mortgages, ownership structures, tax considerations (SDLT and Section 24), growth and remortgaging strategy, day-to-day portfolio management, and how to prepare a mortgage-ready application.

Buy-to-Let Mortgages in 2026: A Landlord's Guide to What's Changed

A landlord-focused guide to how buy-to-let mortgages are assessed in 2026, including interest coverage stress testing, deposits and LTV, interest-only planning, property compliance, remortgaging, let-to-buy and bridging routes, common pitfalls, and how different property types and structures can affect underwriting.

Buy-to-Let Stamp Duty Surcharge Refunds: A Landlord's Guide to the 3% and Relief

A news-style overview of SDLT refunds connected to the 3% additional rate, including replacement-home (36-month) rules, extensions for exceptional circumstances, shared ownership retrospective relief, and a key case-law point for uninhabitable properties.


Ready to talk through your buy-to-let remortgage?

Tell us about your rental property and current deal, and one of our mortgage advisers will come back to you with clear, no-pressure guidance, whether that's a product transfer, a full remortgage, or releasing equity for your next purchase.

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Get in touch

We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.

Phone number
01133 205 902
Postal address
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX

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FCA Authorised

We are authorised and regulated by the Financial Conduct Authority (No. 919921). The Financial Conduct Authority does not regulate most Buy to Let mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Our initial consultation is free. If you choose to proceed, we’ll explain any broker fees upfront before you commit.

British Company

Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX.