Tag: Buy to let mortgages

Landbay lowers rates while YBS Commercial removes buy to let tiering

Author: Property118.com Landlord News Team

20th January 2026, 5 months ago | 0

Landbay has rolled out new buy to let products and reduced pricing across its Premier range, targeting landlords approaching the...

Coventry launches EPC buy to let deals as TMW cuts rates

Author: Property118.com Landlord News Team

19th January 2026, 5 months ago | 0

Coventry for Intermediaries has rolled out a new range of buy to let products aimed at landlords investing in energy-efficient...

Product Transfers vs Remortgages – Which Is Better for Landlords?

Author: Mark Alexander

19th January 2026, 5 months ago | 1

When a buy-to-let mortgage deal comes to an end, landlords face a key decision: should they do a product transfer...

Buy to let lenders cut rates, rebrand and refresh landlord deals

Author: Property118.com Landlord News Team

13th January 2026, 5 months ago | 0

Specialist lender Together has trimmed its headline pricing by up to 25 basis points across a wide range of buy...

Early Repayment Charges – How to avoid costly mistakes

Author: Mark Alexander

12th January 2026, 5 months ago | 0

For landlords, refinancing is a core part of portfolio management. But one element that often catches people out is the...

HSBC cuts BTL stress rates as LendInvest launches 2026 deals

Author: Property118.com Landlord News Team

7th January 2026, 5 months ago | 0

HSBC UK has lowered its buy to let affordability stress rates for domestic borrowers; a move it says will widen...

Paragon launches base rate tracker BTL deals as Aldermore cuts rates

Author: Property118.com Landlord News Team

6th January 2026, 6 months ago | 0

Paragon has rolled out a new range of bank base rate tracker buy to let mortgages, pitching them as a...

The Role of Mortgage Brokers in Securing Buy-To-Let Finance

Author: Mark Alexander

5th January 2026, 6 months ago | 0

In 2026, mortgage brokers play a more important role than ever in helping landlords navigate the complex buy-to-let market. With...

Buy-To-Let Mortgages and Personal Guarantees – What You Need to Know

Author: Mark Alexander

22nd December 2025, 6 months ago | 0

Most landlords using limited companies to borrow in 2025 will encounter the requirement to sign a personal guarantee (PG). Even...

Buy-To-Let Mortgages for First-Time Landlords

Author: Mark Alexander

15th December 2025, 6 months ago | 0

Getting started in property investment can feel daunting, particularly in today’s mortgage market. First-time landlords face stricter criteria, larger deposit...

Buy to let and commercial lenders offer new rates and products as one exits

Author: Property118.com Landlord News Team

11th December 2025, 6 months ago | 0

Lenders are reshaping the buy to let and commercial finance landscape as new products, pricing moves and a strategic exit...

Case study: The landlord who expanded using buy to let gearing

Author: Mark Alexander

8th December 2025, 6 months ago | 0

For landlords, growth often depends on using gearing – borrowing against equity in existing properties to fund further acquisitions. In...

Incorporation and Mortgages: Financing When You Move to a Company

Author: Mark Alexander

1st December 2025, 7 months ago | 0

Many landlords in 2025 are considering moving their portfolios from personal ownership into limited companies. The drivers are varied: restructuring...

What happens when a buy to let mortgage application is declined?

Author: Mark Alexander

24th November 2025, 7 months ago | 0

Few things are more frustrating for landlords than having a mortgage application declined. You may have spent weeks preparing documents,...

BTL lenders unleash a fresh wave of rate cuts and flexible options

Author: Property118.com Landlord News Team

17th November 2025, 7 months ago | 0

The buy to let mortgage market is still seeing major specialist lenders unveiling rate cuts, revamping criteria and fresh lending...

Stress Testing at 145% vs 125% Rental Coverage Rules

Author: Mark Alexander

17th November 2025, 7 months ago | 0

One of the biggest hurdles landlords face in 2025 is passing lender stress tests. Even if your property generates a...

Green Buy-To-Let Mortgages: What EPC Rules Mean for Your Financing

Author: Mark Alexander

10th November 2025, 7 months ago | 0

Energy efficiency has moved from being a “nice to have” to a core requirement in the buy-to-let sector. With government...

How Bank of England Base Rate Changes Affect Buy-To-Let Mortgages

Author: Mark Alexander

3rd November 2025, 8 months ago | 0

Every time the Bank of England announces a change to the base rate, landlords sit up and take notice. The...

Buy-To-Let Rates: Where Are They Heading?

Author: Mark Alexander

27th October 2025, 8 months ago | 0

Every landlord knows that mortgage rates make or break portfolio cashflow. With thousands of fixed-rate deals coming to an end...

Lenders boost buy to let choice with new fixed fee and green deals

Author: Property118.com Landlord News Team

24th October 2025, 8 months ago | 0

Foundation Home Loans and Accord Mortgages have both announced enhancements to their buy to let offerings, widening options for landlords...