9:22 AM, 10th September 2025, About 3 months ago
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Buy to let landlords have new deals to consider from two leading lenders as research shows more investors are looking to remortgage.
United Trust Bank has removed all upper limits on landlord portfolio sizes so borrowers can mortgage up to six properties, with maximum lending increased to £2.5 million.
Portfolio landlords will also find streamlined requirements, though that changes for larger landlords and those with more than 10 properties must provide cashflow statements.
Landlords with more than 20 properties or portfolios exceeding £5 million need completed business plans using UTB’s template.
The lender’s director of mortgages, Buster Tolfree, said: “These changes give brokers more choice when helping landlord clients with larger portfolios.
“We were the first lender to make it easier and quicker for brokers to submit applications for portfolio landlords when we introduced our BTL portal and now we’re lifting the limits on what we’ll lend and who we’ll lend to.”
He added: “We want to give more landlords the opportunity to take advantage of rental property opportunities many other lenders won’t consider.
“Non-standard construction, touching or close to commercial, high-rise apartments – these can all be great choices for expanding rental portfolios, delivering great yields and often at lower outlay.”
Meanwhile, Aldermore Bank has reduced rates across its BTL ranges for new and existing customers.
The bank has launched two limited edition products targeting different investor segments.
There’s a two-year fixed rate at 3.29% for single property landlords and 3.24% for multi-property investors, both at 75% loan-to-value with 5% fees.
Broader rate reductions include five-year fixed products for single residential properties decreasing by 0.10% (from 4.34%), whilst multi-property rates dropped up to 0.15% (from 4.29%).
HMO and multi-unit freehold properties have had two-year fixes reduced by 0.10% (from 3.54%) and five-year options cut by up to 0.15% (from 4.39%).
Market data from Twenty7tec reveals that buy to let searches maintained 17.04% of total market activity in August, rising from 16.76% in July and 14.67% in April.
However, underlying trends show shifting priorities among investing landlords.
Non-first-time buyer purchase searches fell by 12.36% compared with July, whilst BTL remortgage activity fell 16.55% over the same timeframe.
This pattern suggests landlords are prioritising refinancing existing assets rather than expanding portfolios.
Nakita Moss, the head of product at Twenty7tec, said: “August often brings a dip in activity, but the year-on-year fall in purchases stands out.
“Borrowers are clearly being pragmatic: remortgaging in greater numbers, leaning towards shorter fixes, and holding back on moving until there is more certainty.
“At the same time, lenders are stepping up competition, with record levels of product choice.
“On the surface, activity looks quieter, but underneath there is still a great deal of movement shaping the market.”
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