Many landlords take out mortgages for 25 years or more. But even on a fixed rate, it pays not to sit back. Regularly checking whether your deal is still competitive can make a real difference—especially if you want to maximise the income you secure from your let properties.
According to recent reports on buy‑to‑let (BTL) mortgages, availability and pricing are improving. If you haven’t reviewed your options this year—or over the summer—it’s well worth seeing what’s out there and whether a different product could offer better value or more suitable lending than you currently have.
Why review your deal now?
If your mortgage is due to end within the next six months, now is the time to look at alternatives. Lenders’ product ranges and criteria shift frequently, and early preparation gives you more choice and time to pass affordability checks without rushing.
What the latest data shows
Moneyfacts, the UK’s leading provider of retail financial product data and comparison technology, stated in September 2025 that:
- Landlords now have more deals to choose from, as the number of buy‑to‑let products rose to another record high of 4,597.
- Deals at 75% and 80% loan‑to‑value (LTV) saw particularly significant increases, with record numbers of these products now available.
This breadth of choice matters: more LTV options can help you refinance efficiently, release equity, or lock in a rate that aligns better with your cash flow plans.
What lenders are doing
According to Liz Syms, chief executive of Connect for Intermediaries and chair of the Society of Mortgage Professionals, mortgage pricing is easing, and buy‑to‑let criteria are beginning to widen. She states that:
“Shawbrook has refreshed complex BTL with new 2%, 3% and 5% fee options and pricing reductions up to 40 basis points on sub-£1m loans.”
Beyond Shawbrook:
- The Mortgage Works has reduced selected BTL rates (including limited company).
- Hinckley & Rugby has cut its five‑year and two‑year fixed rates.
- Market Harborough has lowered its BTL standard variable rate.
These changes won’t suit everyone, but collectively they point to a more competitive landscape—useful if you’ve been holding off a remortgage due to cost or criteria concerns.
New options to help with affordability
HSBC has introduced a ‘top slicing’ buy‑to‑let mortgage. This can help landlords meet a lender’s affordability checks by using personal income to support the application in addition to the property’s rental income. Top slicing can be particularly useful in lower‑yield areas where you may target long‑term capital growth, but the rent alone wouldn’t pass standard stress tests.
Case Study: How We Helped a Landlord Save Over £57,000
We recently supported a landlord with a portfolio of four properties, all on variable-rate mortgages. After reviewing his portfolio, we arranged a multi-property mortgage deal with Aldermore, consolidating his arrangements into one product with a single set of fees, saving him £5,062.50 upfront.
We also reduced his mortgage rate from 7.5% to 4.87% on a loan of £112,500, cutting his monthly payments from £703 to £463. That’s a saving of £240 per month, per property, or £14,400 over a 5-year fixed term. Across all four properties, that’s an impressive £57,600 in total savings.
This case highlights that the lowest rate isn’t always the best deal. When you consider fees, structure, and long-term goals, working with a qualified mortgage adviser can make a real difference to your overall return.
Source: Embrace Financial Services Adviser Lewis Bovingdon-Boag (Nov 2025)
Your next steps
Buy‑to‑let lending keeps evolving. If you haven’t done so already, book an appointment with an experienced mortgage broker, such as Embrace Financial Services, to review whether a switch, a product transfer, or a restructure could improve your position while staying within risk levels you’re comfortable with.
Book a free initial appointment
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Your initial mortgage appointment is without obligation. Embrace Financial Services normally charges a fee for their services; however, it is payable only on the submission of your mortgage application. The fee will depend on your circumstances, but the standard fee is £599. Complex cases usually attract a higher fee. Embrace Financial Services will discuss and agree on the fee with you prior to submitting any mortgage application.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Your initial mortgage appointment is without obligation. Embrace Financial Services normally charge a fee for their services; however, it is payable only on the submission of your mortgage application. The fee will depend on your circumstances but the standard fee is £599. Complex cases usually attract a higher fee. Embrace Financial Services will discuss and agree the fee with you prior to submitting any mortgage application.
Please be aware that the information provided within these archives has been pre-published, as of the date published on each article. The information contained within, including references to taxation, legislation, regulation, or any other issues or concerns may no longer apply.
The Reeds Rains Content Marketing Team
