Buy-to-let landlords are being hit by higher interest rates, higher costs and a less friendly tax regime.

Some landlords will also do much better than the market average, by using a whole-of-market mortgage broker to find them a cheaper rate.

He adds: 'Two-year fixed rates don't usually fit stress tests on a remortgage, unless the loan-to-value is relatively low, but they would be available for a product transfer.

Two-year fixed rate mortgages The Co-operative bank has a two-year fixed product at 4.52 per cent with £0 fees at 65 per cent loan to value.