The Smart Landlord’s Guide to Remortgaging in 2026
If your buy-to-let mortgage deal is ending – or has already ended – now is an important time to understand your options. With the Renters’ Rights Act coming into force on 1 May, and ongoing economic uncertainty, getting your remortgage right can make a real difference to your bottom line.
Here’s what every landlord should know.
The Bank of England base rate
The Bank of England base rate has fallen from the highs of 2023, following a period of gradual cuts. Rate setters continue to monitor the economic outlook carefully, and while further cuts remain possible, the pace and timing are uncertain.
Rates can shift without warning, and what’s available today may not be available next week. If you’re unsure where you stand, speak to us before making any decisions.
Fixed or variable – which suits you?
The choice carries more weight in 2026 than in previous years.
A fixed rate offers cost certainty. For landlords managing multiple properties, predictable monthly payments can be the difference between a manageable portfolio and a cash flow headache.
A variable or tracker rate can offer more flexibility and the potential to benefit from future rate cuts – but rising payments remain a real risk, particularly with tracker rates tied directly to the base rate.
There’s no universal right answer. A specialist adviser can help you weigh up which structure suits your situation.
Watch out for fees
Arrangement fees, valuation costs, and early repayment charges all affect the true cost of a deal. A lower headline rate with a high arrangement fee can end up costing more over the product term than a higher-rate deal with lower upfront costs. Don’t assess a deal on rate alone.
Other considerations for 2026
The Renters’ Rights Act comes into effect on 1 May, introducing new rules around tenancies, evictions, and rent increases in England. Landlords with larger portfolios should make sure they’re across the changes before they take effect.
Tax rules around buy-to-let ownership have also evolved, with some landlords exploring limited company structures for potential tax advantages. This is a complex area – always take advice from a qualified accountant before making any structural changes.
Ready to review your options?
At The Buy to Let Broker, our mortgage experts understand the market and can help you identify the right deal at the right time for your circumstances.
Your property may be repossessed if you do not keep up repayments on your mortgage. The FCA does not regulate most buy–to–let mortgages. This article is for information purposes only and does not constitute financial advice. Please speak to a qualified adviser for guidance tailored to your circumstances.
There may be a fee for mortgage advice. The precise amount will depend on your circumstances.
