BTL mortgage Archives

Falling buy-to-let mortgage arrears shown by downward red arrow over UK rental homes

Buy to let mortgage arrears drop to two-year low

Author: Property118.com Landlord News Team

13th February 2026, 7 months ago | 0

Buy to let mortgage (BTL) arrears have fallen as the mortgage market shows signs of improvement, according to new data....

Final notice letter symbolizing rising buy-to-let repossessions despite falling arrears

BTL mortgage arrears drop but landlord possessions edge higher

Author: Property118.com Landlord News Team

23rd October 2025, 11 months ago | 0

Arrears in the buy to let sector have dipped, but repossessions are on the rise, according to the latest figures...

Car key dropped on a road as a man walks away, symbolizing landlords leaving the rental market.

93,000 BTL landlords set to exit the PRS – claim

Author: Property118.com Landlord News Team

12th September 2025, 1 year ago | 6

Researchers have found that a shocking 93,000 buy to let landlords are set to abandon the PRS this year. The...

Yellopw house on yellow background with a calculator and percentage and new sign

BTL mortgage lenders roll out new rates for landlords

Author: Property118.com Landlord News Team

24th June 2025, 1 year ago | 0

Buy to let mortgage providers Molo and ModaMortgages have unveiled new pricing structures and products aimed at boosting affordability for...

House model with percentage blocks representing falling mortgage rates

BTL mortgage rates predicted to fall further

Author: Property118.com Landlord News Team

18th February 2025, 2 years ago | 0

The Bank of England’s recent base rate drop, coupled with declining swap rates, hints at improved BTL mortgage affordability, Octane...

Adrian Moloney of OSB Group discusses new KRFI buy-to-let mortgage products for landlords.

KRFI offers new BTL products to support landlords

Author: Property118.com Landlord News Team

29th November 2024, 2 years ago | 0

Kent Reliance for Intermediaries (KRFI), part of the OSB Group, has introduced two new limited edition buy-to-let (BTL) product ranges...

Colourful fishing boats moored in a Cornish harbour surrounded by stone cottages and green hills.

Holiday let to private rental?

Author: Readers Question

5th November 2024, 2 years ago | 2

Hello, I bought a new build property in Cornwall 2 years ago and its now a successful Airbnb. However, I’m...

Finance expert warns Budget tax raid could drive landlords from the private rented sector

Landlord exodus will follow Budget tax raid

Author: Property118.com Landlord News Team

29th October 2024, 2 years ago | 7

A Budget tax raid on landlords will see an exodus of investors from the private rented sector (PRS), one expert...

Woman in red dress smiling while seated in an office chair.

Buy to let slump – Rents rise as fewer landlords invest in the PRS

Author: Property118.com Landlord News Team

23rd July 2024, 2 years ago | 28

Landlord purchases of rental properties have plunged to a record low, leading to a shortage of rental properties and rising...

Landlords renewing their mortgage are expecting a £615 rise

Author: Property118.com Landlord News Team

14th March 2024, 2 years ago | 0

Nearly half of UK landlords with mortgages are preparing for a rate renewal within the next year – and they...

House and percentage symbol balanced on wooden seesaw representing mortgage rates.

More BTL lenders reduce mortgage rates

Author: Property118.com Landlord News Team

10th January 2024, 3 years ago | 0

More buy to let mortgage lenders are reducing their rates in a boost for landlords. This week has already seen...

The average buy-to-let mortgage rates for some typical two-year fixed rate deals favoured by landlords have doubled since the start of the year, it has been revealed. According to Property Master's Mortgage Tracker, the average rate for a typical £160,000 BTL mortgage fixed for two years for a Loan to Value (LTV) of 60% had more than doubled since the start of this year – from 1.69% in January to 3.43% in August. This took the monthly cost, including fees, from £262 to £494, an increase of £232. The online buy-to-let mortgage broker also found that the same mortgage fixed for five years had also increased dramatically from 1.94% in January to 3.5% in August - an increase in monthly costs, including fees, from £273 in January to £481 in August, up £208. 'Cost of buy-to-let mortgages continues to rise inexorably' Angus Stewart, Property Master's chief executive, said: "The cost of buy-to-let mortgages continues to rise inexorably. "Obviously, much of this reflects the Bank of England's decision to hike interest rates for the sixth time earlier this month but there are other factors at play too. "We are seeing reduced competition in the buy-to-let mortgage market caused by a combination of factors with some lenders using higher rates to manage customer demand, whilst others are taking the opportunity to widen their margins." He added: "We have said for some years that increased regulation and higher costs were leading to the professionalisation of the private rented sector. "In reality, this will mean fewer but larger landlords. 'Unaffordable rises in mortgage costs' "For many of the smaller players in this market, unaffordable rises in mortgage costs will undoubtedly lead them to conclude buy-to-let no longer works for them. "Indeed, the latest figures from HMRC show a dramatic increase in takings from Capital Gains Tax suggesting many landlords are deciding this is the moment to sell-up." The Property Master Buy-to-let Mortgage Tracker follows 30 lenders who constitute around 75% of total BTL mortgage lending.

The same BTL mortgage deal that is worse for existing customers?

Author: Readers Question

11th December 2023, 3 years ago | 4

Hi, The mortgage lenders have got creative with BTL deals of late. Higher fees for lower rates, but this bit...

Paragon Bank reduces rates on buy-to-let mortgages

Author: Property118.com Landlord News Team

14th November 2023, 3 years ago | 2

Paragon Bank has unveiled a major product refresh and lowered its rates on six five-year fixed-rate, buy-to-let mortgages. The rate...

Fleet Mortgages reduces rates on five-year fixed products

Author: Property118.com Landlord News Team

9th November 2023, 3 years ago | 0

Fleet Mortgages has lowered its rates on all five-year fixed products for standard and limited company borrowers. The rate cuts,...

Landbay's sales and distribution director, Rob Stanton wearing a light blue suit and white shirt

Landbay cuts the rates on its buy to let products

Author: Property118.com Landlord News Team

1st November 2023, 3 years ago | 1

Landlords looking to buy or remortgage properties can benefit from lower rates and more choices from Landbay. That’s because the...

Many landlords are not passing higher mortgage costs on to tenants

Author: Property118.com Landlord News Team

13th October 2023, 3 years ago | 12

UK landlords are facing mortgage costs rising quicker than rent increases in the past year – but they aren’t passing...

Fleet Mortgages cut rates on all BTL five-year fixes

Author: Property118.com Landlord News Team

2nd October 2023, 3 years ago | 4

Fleet Mortgages has announced a significant reduction in rates for all five-year fixed-rate products across its three core ranges: standard,...

Professional portrait of a business executive representing Foundation Home Loans’ Buy to Let relaunch.

New BTL fixed-rate deals for portfolio landlords launched

Author: Property118.com Landlord News Team

21st September 2023, 3 years ago | 0

A new range of buy to let fixed-rate special deals, including a five-year product for portfolio landlords only, have been...

pic of approved btl mortgage application form property118

Where should I carry my mortgage debt?

Author: Readers Question

25th August 2023, 3 years ago | 5

Hello, I’m reaching the end of my large family home mortgage and the end of 2 BTL company ones. In...

Business professional in formal suit at modern office building

UK house prices see the biggest fall since 2009

Author: Property118.com Landlord News Team

1st August 2023, 3 years ago | 2

The UK’s housing market saw prices dip at their fastest annual decline in 14 years, Nationwide reports. The data reveals...

landlord question expat BTL mortgage property118.com

Borrowing for UK Buy to Let as an expat?

Author: Readers Question

31st May 2023, 3 years ago | 5

Hi all, I am in the process of moving abroad. My income from overseas would be considerably larger and I...

Tag: BTL mortgage