A practical guide for landlords to stress-test their buy-to-let plan in 2025. We cover ICR, costs, cash buffers, and portfolio admin — plus the five levers you can actually control. The goal: help you spot risks early and avoid costly mistakes.

Remortgaging doesn’t need guesswork or last-minute stress. This guide shows time-poor directors, contractors and partners how to start 6–9 months early, anchor decisions to life first, compare on total cost (not just the headline rate), design flexibility with overpayments/offset/portability, and package a clear, underwriter-ready file. It also covers transfer vs remortgage, free vs paid legals, and a proportionate protection review. General information, not personal advice.