Don't let your BTL fix
expire without
running the numbers.
The BTL Remortgage Readiness Checklist walks you through your ICR stress test, LTV position, lender readiness score, and broker prep — so you know exactly where you stand before your deal ends.
Check your remortgage position
ICR stress test and broker prep checklist included.
By signing up you agree to our Privacy Policy. Unsubscribe any time.
Preview — what you'll get
What happens when you leave it too late
Typical monthly payment increase when a 2% fixed rate expires at 5.5% SVR on a £150k BTL mortgage
ICR result for deals that pass today at 4.5% but fail the +3% stress test lenders require at renewal — a common block
Typical rate difference between 60% LTV and 75% LTV — worth £133 per month on a £200k interest-only BTL mortgage
Minimum lead time brokers recommend before your deal expires — most landlords start the process far too late
Illustrative figures. Your numbers will vary — that's exactly why the checklist exists.
How it works
Know your position in under five minutes
Check your timeline
Enter your deal end date. See exactly how many months you have left and which phase of the remortgage process you should be in right now.
Stress test your numbers
Run the ICR affordability check and LTV calculator. Know whether your deal passes a lender stress test and which rate tier your property sits in.
Build your broker file
Work through the 15-item broker prep checklist. Gather documents in order and download a PDF to take to your first meeting.
What's included
Every check that matters
Five tools. Fifteen prep items. A complete picture of your remortgage position — before you approach a broker or lender.
Mortgage Expiry Tracker
1 inputEnter your deal end date and get a precise countdown with colour-coded action stages — when to start researching, when to approach a broker, and when to lock a rate.
ICR Affordability Stress Test
4 inputsMonthly rent, outstanding balance, and current rate — stress-tested at +3%. Checks your ICR against the 125% basic-rate and 145% higher-rate thresholds most lenders apply.
LTV Calculator
2 inputsEnter your property value and outstanding mortgage. See your LTV band (60%, 75%, 80%) and which rate tier you sit in — and how close you are to the next band down.
Remortgage Readiness Score
5 checksFive factors lenders scrutinise: EPC rating, void history, arrears record, tax position, and portfolio size. Scored and explained — know what to address before you approach anyone.
Broker Prep Checklist
15 items15 documents to assemble before your first broker meeting — income evidence, mortgage statements, property docs, and ID. Tick off as you go and download as a PDF.
Why landlords use this
Be the landlord who turns up prepared
- ICR stress test at +3% — the exact calculation lenders run at renewal
- LTV band calculator — know your rate tier before you approach anyone
- Readiness score across the 5 factors lenders scrutinise most
- 15-item broker prep checklist — nothing missed, nothing to hunt for last minute
- Deal expiry countdown with a real action timeline — not vague advice
- PDF export — take your full checklist to your first broker meeting
"I thought I had 6 months before my fix ended. The tracker showed I needed to start immediately — the lender pipeline alone is 8 weeks minimum. Would have been completely caught out."
Portfolio landlord— 5 properties, Leeds
"The ICR stress test showed my deal passes today but fails the +3% test lenders use at renewal. Switched to a 5-year fix instead of a tracker — avoided a very difficult renewal conversation."
BTL investor— West Midlands
"Turned up to my first broker meeting with every document ready and in order. She said it was the most prepared remortgage client she had seen. Offer came through in three weeks."
Buy-to-let landlord— 3 properties, Manchester
Be ready before your deal expires.
Know your ICR, your LTV position, your lender readiness score, and what your broker needs — before you pick up the phone.
Get the free checklistNo credit card. No spam. Instant access.