Tag: Landlord finance

Nottingham BS and ModaMortages boost buy to let ranges

Author: Property118.com Landlord News Team

10th April 2026, 2 weeks 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, 1 month 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, 1 month 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, 3 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, 3 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, 3 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, 4 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, 4 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 for First-Time Landlords

Author: Mark Alexander

15th December 2025, 4 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, 4 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, 5 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, 5 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, 5 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, 5 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, 5 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, 5 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, 6 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, 6 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, 6 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, 6 months ago | 0

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