With many landlord mortgages reaching the end of their fixed-rate terms, 2026 is an important year to review your financing options.
While interest rates remain a key concern, remortgaging isn't just about securing a new rate. It can also be an opportunity to improve cash flow, release equity, or support future portfolio growth.
Is Now a Good Time to Remortgage?
The answer depends on your circumstances. It may be worth exploring your options if:
Reviewing your options early can help you avoid moving onto a lender's higher standard variable rate.
How Much Equity Could You Release?
If your property has increased in value since you purchased it, you may have built up additional equity.
Some landlords use released equity to:
Before proceeding, it's important to understand how additional borrowing may affect your monthly repayments and investment returns.
Key Things to Consider
Before remortgaging, review:
A remortgage should support your overall property strategy, not just provide a lower interest rate.
Final Thoughts
Remortgaging can offer opportunities to improve cash flow and unlock growth, but timing and preparation are key.
By reviewing your portfolio regularly and understanding your options before your fixed rate ends, you can make informed decisions that support your long-term investment goals.
At Propell, we help landlords stay on top of their property finances, portfolio performance, and investment opportunities with smarter property management tools.
From Propell
Compare mortgage rates across your portfolio
Propell monitors your mortgages and surfaces better rates, so you can spot refinancing opportunities before your deal ends.
Ready to simplify your portfolio management?
Join landlords who've already streamlined their property operations with Propell.
