Why Buy-to-Let Rates Are Rising (And 4 Ways to Beat It)

Why are buy to let rates up again in 2026? From 3.82% to 4.99% - that's £160 a month extra on a £220k property. In this one I break down why fixed rates are rising even with base rate stuck at 3.75%, what it means if you already own vs if you're trying to buy your first, and 4 things you can actually do about it - LTV brackets, locking a rate early, nailing you / the property / the deal, and using a broker. I'm Remy — I own two buy-to-lets and I'm buying my 3rd and 4th this year. This channel documents the journey honestly — the wins, the mistakes, and the things I wish people had shared with me earlier. 🔔 Subscribe for UK property investing content - real numbers, real mistakes from a landlord on his buy to let journey. Tools & Resources ⚠️ Affiliate links — I may earn a small commission that supports the channel at no extra cost to you. 💻 Property Management → Landlord Vision https://bit.ly/4wq2OZC 🔧 EPC's, Gas Safety, EICR, PAT Testing → Energy Performance Certificates https://bit.ly/3Rr287U 📚 Buy-to-Let Reading → Books I Recommend https://bit.ly/btl-readinglist 🔦 My Filming Setup → Lights, Mic, Gear I Use https://bit.ly/channelgear ⏱️Chapters 0:00 Your mortgage payment, The BTL profit killer 0:56 Why rates are rising 1:42 The real implications to landlords, new investors 2:41 Reduce your Loan to value (LTV) 4:20 Secure interest rate early, keep watching it 5:56 You, the property, the deal 6:30 The easiest win - a mortgage broker 7:00 My optimism for new investors and existing landlords Disclaimer: All opinions and views expressed within the video above are provided for entertainment purposes only and are not and should not be construed as professional finance, investment, legal or tax advice. Any financial decisions you make should be based on your own research and if unsure consult with a professional who is aware of the facts and your personal circumstances. #BuyToLet #ukproperty #MortgageRates