Buy to Let or Residential Investment Mortgages are mortgages specifically designed for people who want to invest in the property market by purchasing one or more houses and letting them out to tenants. The Owner is then able to benefit from any appreciation in the capital value of the house itself - with the cost of repayment of the loan being self servicing.

The UK Buy to Let, or Residential Investment mortgage and remortgage market is currently very buoyant. If you were today searching for the best Buy to Let mortgages or Buy to Let remortgages you will find numerous mortgage companies competing for your business. Many landlords tend to switch their Buy to Let mortgage every few years to maximise the profitability of their investment.

If you carry out a cost analysis on a number of Buy To Let mortgages you will probably save 1000's upon 1000's of pounds by remortgaging your Buy To Let property every two to three years.

Remortgaging your Investment Property, involves switching to a new deal with a new mortgage company.

Mortgage lenders consider Buy To Let to be a less risky prospect now, than a few years ago, when interest rates payable on let properties was usually higher than for a main residence.

Landlord's can now remortgage up to 90% of the property value. Buy To Let mortgage companies have slowly moved the maximum you can borrow from around 75% of the property value, a few years, to the level that it is now. Not only have Buy To Let mortgage lenders gradually increased the amount they will lend, they have also decreased the amount of rent needed to support the Buy to Let mortgage and remortgage.

Another Residential Investment / Buy To Let mortgage trend is the current reduction in the amount of rent required to service the loan. Most lenders were looking for your anticipated rental income to exceed the mortgage interest payment by about 30%. As new Lenders have entered the marketplace, the calculation on many new schemes allows the rental income to be equal to the mortgage payment.

With the expectation that the Bank of England base rate may increase, many investors are remortgaging their Investment Property on fixed rate Buy To Let mortgages. Fixing your mortgage at today's fixed rates could see you saving a substantial interest on your mortgage repayments, especially if rates continue to rise. Lenders are able to cater for clients with single and multi property potfolios.