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Get StartedRate Cut Analysis for Buy-to-Let Landlords
The Bank of England's Monetary Policy Committee voted to reduce the base rate by 0.25%, bringing it to 4.75%. For landlords, this has immediate implications.
Immediate Impact
Tracker Mortgages: If you're on a tracker, your payments will reduce within 1-2 months. On a typical £200,000 BTL mortgage, expect savings of approximately £30-40 per month.
Fixed Rate Deals: No immediate change, but new fixed rates are already adjusting. Current 5-year BTL fixes are around 5.2-5.8%.
Should You Remortgage Now?
Wait if:
- Your current fix doesn't expire for 6+ months
- You have early repayment charges exceeding 2%
- Markets expect further cuts (2-3 more predicted in 2025)
Act now if:
- You're on SVR (Standard Variable Rate)
- Your fix expires within 3 months
- You need to release equity
Rate Predictions for 2025
Most economists expect:
- Base rate: 4.0-4.25% by end of 2025
- BTL 5-year fixes: 4.5-5.0%
- BTL 2-year fixes: 4.75-5.25%
Portfolio Stress Test
Use our mortgage calculator to stress-test your portfolio at different rate scenarios. Understanding your breakeven point is crucial before making refinancing decisions.
Action Items
- Check your current mortgage expiry date
- Calculate your current LTV
- Get quotes from 3+ lenders
- Factor in arrangement fees vs. rate savings