BTL remortgage searches soar as landlords prepare for the Renters’ Rights Bill

Buy to let landlords are stepping up their efforts to remortgage as the PRS adjusts to the looming Renters’ Rights Bill and the new stamp duty regime.

Technology platform Twenty7tec has revealed that searches for BTL mortgages reached an all-time peak, with activity on 18 March 2025 doubling compared to the previous day.

This surge has contributed to one of the most active seven-day periods ever recorded for such transactions.

The spike in activity coincides with mounting concerns among landlords over affordability, taxation and tighter regulations.

Leap in BTL remortgaging

Nathan Reilly, a director at Twenty7tec, said: “As new changes appear on the horizon, we are noticing that landlords are acting more decisively when it comes to their next steps, and we’re seeing a significant increase in buy to let remortgages as property investors look to future-proof their portfolios.

“The spike in searches for properties between £150,000 and £250,000 is particularly telling.

“That price band is seeing the greatest change in activity, and it’s BTL, not residential, that’s driving it.”

He added: “In addition to this, we are seeing record levels of products available, with 25,218 total products by the end of March.

“This is 128 more than February – up 0.51%.

“There’s more choice than ever for buy to let landlords, but with external pressures mounting, the next few months will be telling as to whether landlords stay the course, adapt their strategies – or begin to exit the market altogether.”

Reassessing property portfolios

The impending Renters’ Rights Bill, which will abolish fixed-term tenancies and Section 21 ‘no-fault’ evictions, is prompting many landlords to reassess their portfolios, the firm says.

It also says that modifications to Stamp Duty Land Tax (SDLT), which lowered the nil-rate threshold to £125,000, are influencing landlord long-term planning strategies.

Twenty7tec’s figures highlight a sharp 22.9% increase in monthly BTL mortgage searches for properties valued between £150,000 and £250,000, outpacing the 6.4% rise seen in residential searches.

This trend underscores a strategic shift, with landlords opting to remortgage to safeguard their investments against forthcoming legal changes.

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