What is happening with the BTL market right now?
Following a turbulent 2024 for the Buy to Let market, we look at what is happening with the BTL market right now.
Landlords remain positive
Despite many BTL landlords exiting the market over the past few years, recent research has found that landlords remain optimistic about the BTL market. The research commissioned by Market Financial Solutions found that 36% of landlords plan to expand their property portfolios this year. And a further 43% expect rental yields to increase this year*.
In another survey by Mortgage Solutions has found that 51% of brokers have seen an increase in mortgage enquiries so far in 2025. This mirrors are experience at Your Mortgage Expert where we have definitely received an uptick in BTL mortgage enquiries this year.
What is happening with BTL mortgage rates and product availability?
We have seen lots of lenders drop BTL mortgage rates over the last couple of months. And the outlook for the year is that rates will continue to drop alongside the expectation that interest rates will be further cut this year***.
Added to this, several BTL lenders have launched innovative new products this year to support landlords. Including refurbishments loans and also mortgage products with greater flexibility for landlords****.
Overall, we are feeling more optimism from BTL investors and the market in general.
How can landlords get the most yield for their investment
Research from Hamptons has found that they expect rents to rise higher than house prices which is a further boost to yields*****. But the key for us is speaking to a mortgage adviser who truly is a buy to let expert.
At Your Mortgage Expert, around 20% of our business is Buy to Let and we advise a range of clients from single property landlords to multi property portfolio landlords.
We can help you find the most appropriate mortgage to help you get a healthy return on your investment For clear, proactive and expert advice on your buy to let mortgage, speak to our experienced team of mortgage brokers.
There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.
Your property may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
***Source : https://hoa.org.uk/best-buy-to-let-mortgage-rates/
****Source : https://www.property118.com/landlords-boosted-with-new-btl-mortgages-and-refurbishment-loans/
*****Source : https://mr1.homeflow-assets.co.uk/files/site_asset/image/6748/6590/HAM544_Market_Insight_-_Spring_2025_-_Digital.pdf