Tag: Buy to let mortgages

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

Author: Mark Alexander

8th December 2025, 10 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, 10 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, 10 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, 11 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, 11 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, 11 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, 11 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, 11 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, 11 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, 12 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, 12 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, 12 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, 12 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, 1 year ago | 0

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

How Much Equity Do You Really Need? Buy-To-Let Loan-to-Value Ratios Explained

Author: Mark Alexander

15th September 2025, 1 year ago | 0

One of the first questions landlords face when financing or refinancing a buy-to-let property is how much equity they will...

YBS and MFS improve semi-commercial and BTL mortgage deals

Author: Property118.com Landlord News Team

11th September 2025, 1 year ago | 0

Two specialist landlord finance providers have revealed enhancements to their mortgage ranges to offer landlords more choice and flexibility. YBS...

BTL lenders boost landlord options as remortgage activity grows

Author: Property118.com Landlord News Team

10th September 2025, 1 year ago | 0

Buy to let landlords have new deals to consider from two leading lenders as research shows more investors are looking...

Fixed vs Tracker: Which Buy-To-Let Mortgage is Best in 2025?

Author: Mark Alexander

8th September 2025, 1 year ago | 0

With mortgage pricing shifting and lender criteria evolving, many landlords are weighing up whether to fix for certainty or track...

What Landlords Need to Know About Buy-To-Let Affordability Tests in 2025

Author: Mark Alexander

1st September 2025, 1 year ago | 0

Buy-to-let landlords are facing a very different mortgage market in 2025 compared to even a few years ago. While demand...

Lenders update buy-to-let mortgages to help landlords

Author: Property118.com Landlord News Team

14th August 2025, 1 year ago | 0

Accord and Landbay have announced updates to their buy-to-let mortgage products to help landlords. The lenders say the new offerings...

Lenders launch new BTL mortgage products and rate cuts

Author: Property118.com Landlord News Team

11th August 2025, 1 year ago | 0

Three major UK lenders have rolled out updates to their buy to let and specialist mortgage offerings, providing landlords with...