Many of our clients remortgage regularly. There are various reasons for this and most of them ask us to manage this for them (we are brokers),essentially when redemption periods end on current finance it makes absolute sense to review the portfolio or when fixed term rate periods end or perhaps the landlords financial position changes and they need to raise money or release money for various reasons whether that be further investment in property, refurbishment or repair of existing property or cash flow for other business or perhaps they want to build something or pay a tax bill. The reasons are many. Not all our clients have all properties with one lender either, in fact few do, in one case, a client has 14 buy to let properties and 3 are with one lender, 8 with another and the remainder are all with individual lenders. It makes sense to constantly review the products you have and the rates and terms as if you can better these by refinancing you can often save substantial amounts of money and you also build a great repayment history with more than one provider.