Best Buy-to-Let Remortgage Rates 2026

Quick Answer: Best Buy-to-Let Remortgage Rates in 2026

Rates last reviewed June 2026. Figures shown are indicative market ranges to help you compare — not live quotes or personalised offers. Mortgage rates change daily and depend on your circumstances, the lender's criteria and the Bank of England base rate. Check live rates for your profile →

How the Rental Stress Test (ICR) Works

This is what determines how much you can borrow:

• Interest cover ratio (ICR) — your rent must cover the mortgage interest by a set margin: typically 125% for basic-rate taxpayers and limited companies, 145% for higher-rate taxpayers.
• Stressed rate — lenders test affordability at a 'stress rate' (often 5.5%+, or the pay rate plus a margin), not your actual rate, to ensure resilience if rates rise.
• 5-year fixes are stress-tested more gently — because the rate is fixed for longer, many lenders stress 5-year deals at a lower rate, allowing you to borrow more than on a 2-year deal.
• Top-slicing — some lenders let you use surplus personal income to support borrowing where the rent alone falls slightly short.

BTL Remortgage Rates by LTV (2026)

LTV band	Typical 2-yr fix	Typical 5-yr fix
60% LTV	4.7-5.2%	4.5-5.0%
75% LTV	4.9-5.5%	4.7-5.2%
80% LTV (where available)	5.3-5.9%	5.0-5.6%

BTL arrangement fees are often percentage-based (e.g. 1-3% of the loan) rather than flat, so a low headline rate can carry a large fee. Always compare true cost. Most BTL lending caps at 75-80% LTV.

How to Maximise Your BTL Borrowing

To get the most from your rental income:

• Consider a 5-year fix — the gentler stress test usually allows materially more borrowing than a 2-year deal.
• Check the rent is at market level — an up-to-date market rent (and any rent increase) directly raises your borrowing capacity.
• Explore top-slicing — if rent is slightly short, lenders that allow personal income top-up can bridge the gap.
• Compare flat vs percentage fees — for larger loans a flat-fee or fee-free deal may beat a low rate with a 2-3% fee.
• Use a BTL broker — the market is fragmented and broker-only lenders often offer the best terms.

Best Alternatives and Related Options

Related routes for landlords:

• Limited company BTL — holding property in a company can be more tax-efficient for higher-rate taxpayers; see our limited-company BTL guide.
• Portfolio landlord deals — if you own four or more mortgaged BTLs, specialist portfolio lenders apply.
• HMO remortgage — houses in multiple occupation have their own specialist products and higher yields.