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Buy to Let Remortgages

Free up funds for when you need them by remortgaging with Norton Finance.

Expand your portfolio or raise funds for life’s big expenses by remortgaging your existing buy-to-let property or portfolio with Norton Finance. Remortgaging is a great way to free up funds for when you need them. Whether you’re looking to find better terms on your current product plan, or sourcing extra capital to complete a new purchase, we offer a variety of buy-to-let repayment mortgages with leading lenders.
  • Massive choice

    We search the market from over 600 plans.

  • Flexible terms

    You can choose to spread the cost over any term from 1 to 30 years.

  • Here to help

    Even if you have a poor credit history or CCJs, are self-employed or even retired.

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Buy to Let Remortgages

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Unlike a bank we can search wider to find you the best products. So you get more choice not more rejections, even if you have a bad credit history. And that’s more than any bank can offer

How does a buy-to-let remortgage work?

If you already have a buy-to-let property, but need to raise funds for another business venture, or just to balance out your financial situation, remortgaging could be for you. Buy-to-let remortgages work in a similar fashion to other mortgage agreements. Buy-to-let products can often be offered on an interest-only basis, meaning the amount you borrow initially will only be paid off at the end of the mortgage deal, whilst monthly repayments are used to cover the interest.

By changing the terms of your current mortgage, you could agree better rates and repayment options, or raise additional funds to put towards investment in additional property.

Buy-to-let remortgaging rates

When remortgaging your property, potential lenders will consider both rental payments and your own private income to determine what rate to charge.

At Norton Finance, we work hard to find the best deal for you. We work closely with our wide range of lenders , taking all these things into consideration when offering you a mortgage.

How much can I borrow?

You can borrow between £5000 and £1,000,000 dependent on your financial history and current circumstances.

Applying for a buy-to-let remortgage

At Norton Finance, we try to assist people in all kinds of financial situations. To find out how much you can afford to borrow and what repayment plan best fits your needs use our easy online application process.

If you’re considering borrowing to purchase another buy-to-let property, it’s worth considering that you’ll need a 15 - 25% deposit. Once we’ve got all the finer details, we’ll get started on finding your ideal buy-to-let remortgage package.

Am I eligible for a buy-to-let remortgage?

Eligibility will depend on the requirements of the lender. At Norton Finance, we strive to find an offer for all financial situations. Whether you’re self-employed, retired, have CCJs or even concerns around poor credit history, we try to find a resolution that fits your circumstances.

You may have heard that some lenders require that you’ve owned your current property for at least six months before applying to remortgage, but we can consider your application, regardless of how long you’ve held the keys for.

Buy to Let Remortgage FAQs

Please click below for the answers to our most commonly asked questions. If you can't find the information you need, call us free on 0800 694 5566 and one of our advisers will be happy to help.

How much can I borrow?

Norton Finance’s buy-to-let remortgages allow you to borrow between £3,000 and £500,000.

How long are the repayment terms?

Pick a repayment plan that suits you, with terms of between 1 to 30 years available.

What are the interest rates?

Your current circumstances will influence potential interest rates. Remortgage rates start at 1.15%.

Are there any loan fees?

We get our commission from the lender not the customer. We sometimes charge a broker fee of up to 12.5% of the total amount borrowed, capped at £3,995.

Do I need a solicitor?

If you’re looking to borrow more on your current terms, or agree a better payment plan, you don’t always need a solicitor. However, if you’re remortgaging for other means, you’ll usually need to consult a solicitor.

Do I need a valuation?

You will need a valuation on your current property to find out how much it is worth and, therefore, how much you’ll need to borrow to reach your financial goals.

Can I pay off a buy-to-let remortgage early?

Outstanding balances can be paid off at any point during your agreement. However, it’s worth bearing in mind that most lenders will charge an Early Repayment Fee if you decide to do it. These fees are based on the interest that won’t accrue due to your early repayment. If you’re considering paying off your buy-to-let repayment mortgage early, consider whether you can afford the additional costs.

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