With rising interest rates, what are the most effective strategies for a landlord to remortgage a portfolio of 5+ buy-to-let properties to maximise cash flow, especially with properties currently on variable rates?
Quick Answer
Landlords with 5+ BTL properties on variable rates should re-evaluate their portfolio. Key strategies include securing fixed-rate mortgages, specifically 5-year options, to lock in rates and improve cash flow certainty against current base rates of 4.75% and typical BTL rates of 5.0-6.5% for two-year fixes. Optimising property income and assessing portfolio-level stress tests are also crucial.
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Landlords with 5+ BTL properties on variable rates should re-evaluate their portfolio. Key strategies include securing fixed-rate mortgages, specifically 5-year
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