Limited company remortgages, run by refinance specialists.

Three, and they should be priced against each other every time. A full remortgage moves the loan to a new lender: maximum choice, full underwriting, the chance to restructure the borrowing. A product transfer keeps the loan where it is and swaps onto a new rate: minimal paperwork, no new valuation in most cases, but only one lender's pricing. And a capital-raising remortgage replaces the loan with a larger one, converting equity into cash for the company's next move. The lazy default is the product transfer the existing lender emails about; the right answer depends on what the company plans to do over the next deal period, which is the first question we ask.

Doing nothing is the fourth option and the expensive one. A company that drifts past its fix end lands on the reversion rate, and on company products that step-up is typically severe. On an interest-only loan the monthly cost can rise by half or more overnight, money that was otherwise compounding towards the next deposit.

Six months out is the working rule. Mortgage offers on company cases generally remain valid for three to six months, so an application submitted six months before the fix ends can complete on the day the early repayment charge expires, with no gap on the reversion rate. The early start also creates option value: if pricing falls between offer and completion, we re-broke the case; if it rises, the company sits on the locked terms. Company remortgages run a little slower than personal ones, the lender's solicitors handle fresh guarantee paperwork and the directors may need independent legal advice again, so the buffer is not padding, it gets used.

The diary matters as much as the deal. A portfolio company with staggered fix ends faces this decision every few months, and we hold the product end dates on file so each one is opened, priced and decided in good time rather than in a scramble.

Exactly as a purchase would be: rent against stressed interest at the 125% interest coverage ratio that applies to limited company buy-to-let borrowers, who pay corporation tax on profits rather than income tax, with the stress rate typically 5.5% on shorter fixes and often the pay rate on five-year money. The difference is the inputs have moved in the company's favour. Rents have generally risen since the original loan was written, and the lender stresses today's rent, so a property that maxed out at a given loan three years ago will frequently support a larger one now. That headroom is precisely what capital raising spends. Where the company holds four or more mortgaged properties, the portfolio landlord rules add an aggregate check across the whole rental schedule, total gearing and blended cover, alongside the subject property's own test.

Run the re-stress on your current rent · method detail in the ICR stress tests guide.

Change is normal at remortgage and mostly an opportunity, provided the right lender hears about it. A single let converted to an HMO since purchase now belongs with a lender that values room-rent income properly, and may be worth substantially more on an investment valuation. A property switched to short-term letting needs a holiday let product, not a quiet breach of the existing conditions. On the company side, new shareholders, a spouse added for dividend planning, or a holding company inserted above the SPV each narrow the panel in a different direction, and a company that has started trading alongside its lettings narrows it sharply. None of these are confessions; they are routing information. The remortgage is the natural moment to align the lending with what the asset and the structure have actually become.

Converted stock prices through limited company HMO mortgages; short-term lets through limited company holiday let mortgages.

The specialist company lenders, Paragon, Kent Reliance, Fleet Mortgages, Foundation Home Loans, treat remortgages as core volume and frequently sweeten them with free valuations or contribution to legals. The challenger names, Aldermore and Shawbrook, price keenly for portfolio-scale refinances and restructures. And the intermediary-only ranges never reach the open market at all, so a company comparing only the offers it can find directly is comparing a fraction of its real options. Remortgage pricing also responds to loan size: at portfolio scale, terms are often negotiated rather than taken from the rate card.

New to the structure entirely? Start at the limited company buy-to-let hub or the SPV mortgages explainer. Refinancing four or more properties belongs on the limited company portfolio mortgages page, current pricing context on limited company mortgage rates, and every one of our 244 town pages shows the local rent and value picture a re-stress would use.