Many landlords take out mortgages lasting 25 years or more, but even with a fixed rate, it pays not to set and forget.
Reviewing whether your current deal is still competitive can make a meaningful difference to the income you secure from your let properties, especially in today’s shifting market.
Recent analysis shows that buy-to-let mortgage choice and pricing are improving. If you haven’t reviewed your options recently, it could be an ideal time to explore whether a different product may offer better long-term value or suit your lending needs more closely.
Why review your deal now?
If your current buy-to-let mortgage is due to end within the next six months, starting your review early gives you more time and more options. Lenders frequently update their product ranges, criteria and affordability checks. Preparing ahead means you can compare rates, secure a new deal in time, and avoid last-minute pressure on your application.
What the latest data shows
Moneyfacts, the UK’s leading retail financial product data provider, reported in September 2025 that:
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Landlords now have a record 4,597 buy-to-let mortgage products to choose from
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There are record numbers of deals at 75% and 80% loan-to-value (LTV)
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Increased choice gives landlords more opportunity to refinance effectively, release equity or secure a rate that supports long-term cash flow planning
What lenders are doing
According to Liz Syms, chief executive of Connect for Intermediaries and chair of the Society of Mortgage Professionals, buy-to-let pricing is easing and lending criteria are beginning to widen. For example:
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Shawbrook has refreshed complex BTL products with new fee options and reduced pricing
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The Mortgage Works has reduced selected BTL rates, including limited company options
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Hinckley & Rugby has cut selected fixed rates
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Market Harborough has lowered their standard variable rate
While not every lender will suit every landlord’s needs, the trend points to a more competitive landscape, good news if you have been delaying a remortgage due to cost or criteria concerns.
New options to help with affordability
HSBC has recently introduced a ‘top slicing’ buy-to-let mortgage. This allows personal income to be considered alongside rental income during affordability checks. For landlords investing in lower-yield areas where capital growth is the goal, this could make borrowing more accessible where traditional stress tests might fall short.
Case study: how Embrace Financial Services helped a landlord save more than £57,000
Our trusted mortgage partner, Embrace Financial Services, recently assisted a landlord with a portfolio of four rental properties, all on variable-rate mortgages.
After reviewing the client’s portfolio, Embrace Financial Services arranged a multi-property remortgage with Aldermore, consolidating the arrangements into one product with a single set of fees, saving the landlord £5,062.50 in upfront costs.
They also helped secure a rate reduction from 7.5% to 4.87% on a £112,500 loan:
- Monthly payments fell from £703 to £463, saving £240 per month
- Over a 5-year fixed term, that’s £14,400 saved per property
- Across four properties, the total saving is £57,600
This example highlights an important point: the lowest rate isn’t always the best deal. Fee structures, portfolio strategy, and long-term goals all play a part. A qualified adviser can help you weigh these factors and secure a mortgage solution that genuinely improves your financial position.
Source: Embrace Financial Services adviser Lewis Bovingdon-Boag (Nov 2025).
Your next steps
The buy-to-let market continues to change, and opportunities arise for landlords who keep their mortgage strategy under review.
If you haven’t assessed your deal recently, consider booking a free initial appointment with an experienced mortgage adviser at Embrace Financial Services. Whether you are exploring a product transfer, a remortgage or a full portfolio restructure, expert advice can help ensure your financing supports the returns and risk levels you are aiming for.
Book a free initial appointment
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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 Your Move Content Marketing Team
