Flexible Buy to Let Remortgage: Securing the Best Rate Without Major Changes

Customer Overview

A couple in their mid-40s from southern England, both working in stable professional occupations, recently approached us for guidance on their Buy to Let mortgage. Their inquiry included options for an Accord BTL remortgage 2025. With their current fixed-rate product coming to an end in two weeks, they were keen to secure a competitive new rate while avoiding significant changes to their mortgage structure.

Customer Challenges

The clients were originally exploring a remortgage with additional borrowing for debt consolidation. However, due to the limited time left on their current fixed rate, they opted to focus on simply securing a new competitive rate with their existing lender. Their key concerns included:

• Securing a new fixed rate before the current deal ends in two weeks
• Making no changes to their 22 years and 11 months mortgage term
• Avoiding high-fee mortgage products due to short interest in remaining fixed long-term
• Keeping the monthly repayments manageable compared to rental income

Our Recommended Remortgage Solution

Based on their goals and financial situation, we recommended a 2-year fixed rate product with their current lender, Accord Mortgages. This Accord BTL remortgage 2025 solution enabled the following:

• Lender: Accord Mortgages
• Fixed Rate: 4.67% until November 2027
• Loan Amount: £91,123
• Repayment Method: Interest-only
• Repayment Vehicle: Sale of Property

The client opted for an interest-only product to keep monthly repayments below the property’s rental income. The product had no arrangement, admin, valuation, or legal fees—an ideal match for their tight timeframe and preference for simplicity. An Accord BTL remortgage 2025 allows flexibility tailored to individual needs.

Why a 2-Year Fixed Rate?

The clients were optimistic about potential rate reductions in the near future and preferred flexibility, opting not to tie themselves into a long fixed-rate term. Our selected 2-year product met this need, while also offering attractive features like:

• Overpayments of up to 10% annually without penalties
• No tie-in period after the fixed rate ends
• Fast, efficient mortgage completion process

Results Achieved

By proceeding with the recommended mortgage solution, the clients successfully achieved:

• A stress-free transition to a new fixed rate, avoiding a costly Standard Variable Rate (SVR)
• Continued interest-only structure matching their investment goals
• No fees or upfront costs, maximising monthly rental profitability

“I’m glad we could act quickly and secure something with our lender before the old deal expired – especially with no additional fees.” – Buy to Let Property Owner, South England, welcoming an Accord BTL remortgage 2025.

Frequently Asked Questions

Can I remortgage to consolidate debt later if I don’t do it now?

Yes, you can remortgage in the future to consolidate debts. It’s essential to review rates and lending criteria at that time, and working with a broker can ensure you find the most suitable deal.

Does securing a new fixed rate with my existing lender involve legal fees?

In many cases, product transfers or rate switches with your current lender (like this one with Accord) do not involve legal fees, especially if no changes are made to the loan term or amount.

Will changing to a new mortgage rate affect my credit score?

Switching product rates with the same lender typically has minimal impact on your credit score. However, a full remortgage with a new lender may involve a credit check, which could have a temporary effect.

Does taking an interest-only mortgage mean I won’t repay my loan?

Interest-only mortgages require you to pay just the interest each month. You will need a repayment strategy for the capital, such as selling the property or using savings, by the end of the term.

Are early repayment charges involved?

Yes, this specific mortgage includes early repayment charges of 2.5% up to November 2026 and 2% up to November 2027. It’s important to review these carefully if you plan to repay early or refinance sooner.

Next Steps: Get Personalised Remortgage Guidance

If your current fixed rate is ending soon — or if you’re exploring better rates or debt consolidation options — let us help you take control of your mortgage. Our experts provide free mortgage advice tailored to your personal situation, ensuring fast and stress-free results.

Contact our team today for a free assessment of your mortgage options.