Tag: Buy to let mortgages

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, 5 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, 5 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...

Exit Strategies: What Happens When a Buy-To-Let Mortgage Term Ends

Author: Mark Alexander

22nd December 2025, 5 months ago | 1

Every mortgage has an end date. For landlords, what happens when a buy-to-let deal expires is one of the most...

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

Author: Mark Alexander

22nd December 2025, 5 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...

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

Author: Mark Alexander

24th November 2025, 6 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, 7 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, 7 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, 7 months ago | 0

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

Case Study: How One Landlord Restructured Mortgages to Save Thousands

Author: Mark Alexander

20th October 2025, 7 months ago | 0

Behind every mortgage application is a story. For some landlords, rising interest costs and tighter stress tests have made refinancing...

Lenders boost BTL market with new landlord deals

Author: Property118.com Landlord News Team

17th October 2025, 8 months ago | 0

Three leading lenders have unveiled new and improved buy to let products this week, aiming to ease affordability pressures for...

How Limited Company Buy-To-Let Mortgages Work

Author: Mark Alexander

13th October 2025, 8 months ago | 0

More landlords than ever are holding property through limited companies in 2025. This shift is driven partly by the impact...

Why Specialist Lending Matters: HMO, Holiday Lets, and Semi-Commercial

Author: Mark Alexander

6th October 2025, 8 months ago | 0

Not all buy-to-let properties fit neatly into the category of a single-family rental on a standard assured shorthold tenancy. Many...

Remortgaging in 2025: How Landlords Can Cut Costs

Author: Mark Alexander

29th September 2025, 8 months ago | 0

Thousands of landlords are rolling off fixed-rate deals in 2025. For many, this means facing significantly higher payments, tighter affordability...