Tag: Landlord finance

More landlords are refinancing portfolios to fund buy to let growth

Author: Property118.com Landlord News Team

31st July 2026, 1 month ago | 0

More than three-quarters of landlords are considering refinancing their existing portfolios to fund further buy to let investment over the...

Landlords seek certainty as buy to let mortgage market shifts

Author: Property118.com Landlord News Team

4th June 2026, 3 months ago | 1

Landlords are placing greater weight on certainty from lenders as rate movements, product withdrawals and shifting mortgage conditions continue to...

Buy to let lenders cut rates and raise loan limits

Author: Property118.com Landlord News Team

23rd April 2026, 5 months ago | 2

Several buy to let lenders have reduced rates and increased loan sizes across a range of products, with changes covering...

Nottingham BS and ModaMortages boost buy to let ranges

Author: Property118.com Landlord News Team

10th April 2026, 5 months ago | 0

Nottingham Building Society has extended its maximum buy to let mortgage term to 40 years and opened lending to first-time...

22) How dependent are you on your property income?

Author: Landlord Consultant

22nd March 2026, 6 months ago | 0

Most landlords have a clear idea of how much income their portfolio produces. They know the monthly rent, the costs, and...

19) Why many landlords feel “asset rich but cash poor” and what that might really mean

Author: Landlord Consultant

19th March 2026, 6 months ago | 0

Is the portfolio behaving this way because it has to, or because it has never been examined in a different...

How Mortgage Valuations Work for Buy-To-Let Properties

Author: Mark Alexander

26th January 2026, 8 months ago | 0

When applying for a buy-to-let mortgage, one of the most important steps is the valuation. Lenders need to know both...

Product Transfers vs Remortgages – Which Is Better for Landlords?

Author: Mark Alexander

19th January 2026, 8 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...

Early Repayment Charges – How to avoid costly mistakes

Author: Mark Alexander

12th January 2026, 8 months ago | 0

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

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

Author: Mark Alexander

5th January 2026, 8 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, 9 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, 9 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, 9 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...

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

Author: Mark Alexander

8th December 2025, 9 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, 9 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, 10 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, 10 months ago | 0

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

Rely and YBS unveil new buy to let ranges

Author: Property118.com Landlord News Team

13th November 2025, 10 months ago | 0

Two major lenders have launched fresh buy to let offerings designed to speed up the mortgage process and simplify life...

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

Author: Mark Alexander

10th November 2025, 10 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, 10 months ago | 0

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