Buy to let lenders unveil new landlord deals and support
8:00 AM, 8th December 2025, 5 months ago
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Nottingham Building Society has moved to counter the impact of the government’s property tax hike by releasing a new set of buy to let products aimed at easing affordability for landlords.
The launch follows the Autumn Budget announcement, which confirmed a 2% increase in property income tax from April 2027.
The mutual has cut its leading company landlord rate to 4.48%, down from 4.99%, within a revamped range that pairs lower interest charges with higher fees.
Options for landlords borrowing in their personal name are set to follow shortly, with initial prices from 4.24%.
The lender said the changes were designed to give landlords more room to manage rising costs during a period of shrinking margins.
Nottingham BS offers more choice
Nottingham is also maintaining access to its flat-fee and zero-fee alternatives, offering brokers a wider mix of structures to match different strategies.
Under the revised affordability rules, borrowers will need 10% less rental income if they choose to pay fees upfront and 6% less if they add fees to the loan.
The lender’s sales director, Matt Kingston, said: “By giving landlords more choice, lower monthly payments and greater flexibility, we’re helping them stay financially resilient at a time when margins are tighter than ever.
“These products are designed with landlords, tenants and the wider housing system in mind, offering practical support at a moment when the sector needs it most.”
Accord offers top slicing
Accord Mortgages has also updated its criteria to make top slicing available to first-time landlords for the first time.
The lender will now consider applicants who have never let a property for more than 12 months, provided they have a household income of at least £75,000, excluding rent.
Top slicing allows personal income to bridge the gap between rental earnings and the mortgage required.
Accord has also lowered its minimum income for experienced landlords to £40,000, down from £50,000.
The facility is available up to 75% loan-to-value, and joint applicants must live in the same residential home.
Accord’s strategic partnerships and propositions manager, Angelika Christian, said: “This change allows us to provide greater flexibility to brokers and their landlord clients, providing new options for those – especially first-time landlords – who have surplus income they can use to borrow more, helping them to support the crucial private rental sector.”
Furness rate cut
Meanwhile, Moneyfactscompare.co.uk is highlighting a cut from Furness Building Society sees it being awarded an Outstanding Moneyfacts product rating.
The lender’s five-year rate at 80% loan-to-value has been reduced to 4.84%, with a £995 product fee and £250 cashback.
Remortgage customers also qualify for a free valuation.
Caitlyn Eastell, a spokesperson at Moneyfactscompare.co.uk, said: “The latest update from Furness Building Society includes a reduction to its five-year fixed rate mortgage at 80% loan-to-value.
“The deal is now priced at 4.84% and sits among the best in its sector.”
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