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As we count down towards the end of another eventful year for the buy to let market, I was interested to read recently that remortgages now account for two-thirds of all landlord search activity.

According to Twenty7tec’s latest Market Snapshot1, there were more than 199,000 remortgage searches in October compared to just 98,500 purchase searches. And if you look back to last October, the number of remortgage searches has increased by 6% in comparison to the same month last year, while purchase searches have plunged by more than 13% over the same period.

With financial experts predicting a challenging Autumn Budget, I don’t think there’s any coincidence that many landlords appear to be sitting tight and waiting to see what happens over the coming months. Rumours about an overhaul of Stamp Duty and the potential introduction of National Insurance on rental profits could well be behind the increase in the number of investors taking a fresh look at the way their portfolios are financed.

And with the Renters’ Rights Bill and revised proposals to raise the minimum Energy Performance Certificate rating looming on the horizon, it’s perhaps no surprise that many of them are looking to lock in favourable rates.

It all means you could see an increase in the number of clients contacting you in the coming weeks and months asking about a remortgage.

How we can help landlords remortgage

As the home of smarter, faster, simpler buy to let borrowing, our clear, up front criteria is designed to help your clients achieve their buy to let goals, including those looking to remortgage.

Take our £ for £ remortgage proposition, for example. We understand that many landlords want to remortgage for a variety of short-term reasons: some may be planning to sell properties in the future, some may be incorporating their portfolio into a limited company, others may simply want control and optionality.

For these landlords, a 5 year fixed product can feel like a trap, which is why we stress 2 year fixed rate products at pay rate up to 80% gross, rather than applying the industry standard 5.5% stress test. This gives landlords the flexibility they’re looking for and allows brokers to offer a genuine alternative without compromising on ICR affordability.

We also accept day one remortgage applications for bridge exits from FCA regulated firms. Say you’re approached by a landlord who wants to purchase a below market value property and increase its worth quickly by using short-term finance to refurbish it before exiting onto a buy to let mortgage. It’s worth knowing we’re able to refinance promptly and smoothly by offering a one-stop exit route, with the loan amount based on the open market valuation.

Want to find out more? Get in touch with us today. Contact a member of our sales team, give us a call on 01978 803333 or speak to us using Live Chat.

Sources: 1 & 2 https://www.twenty7tec.com/wp-content/uploads/2025/11/Twenty7Tec-Market-Snapshot-Report-October-2025-V1.pdf