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Mortgage

The mortgage market moves fast and the right deal can transform your portfolio returns. Follow lender announcements, rate changes and expert analysis on buy-to-let and specialist lending products.

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Showing 38 articles in Mortgage

Mortgage Strategy21 February 2026

Nearly One in Ten New FCA-Registered Firms Offer Mortgage Advice: What London Landlords Need to Know

From the second half of 2025, close to 10% of new firms on the FCA register provided mortgage advice, highlighting an important regulatory consideration for landlords and letting agents. Understanding FCA authorisation requirements is essential to ensure compliance and avoid penalties. This article outlines why FCA regulation matters, practical steps to maintain compliance, and how Rentals & Sales can support landlords navigating these rules.

FCA authorisationmortgage adviceLondon landlords

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Mortgage Strategy20 February 2026

Navigating Recent Mortgage Market Shifts: What London Landlords Must Know Now

Mortgage lenders have introduced a mix of rate adjustments affecting buy-to-let and purchase products, while regulatory changes loom on leasehold reform and FCA mortgage rules. London landlords must understand these shifts to manage financing, compliance, and tenant relations effectively. This article breaks down the latest developments, their practical implications, and clear steps landlords should take in the coming weeks.

mortgage ratesbuy-to-letleasehold reform

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Mortgage Solutions20 February 2026

Mortgage Magic’s Remote KYC: What London Landlords Need to Know Now

Mortgage Magic's integrated remote Know Your Customer (KYC) feature offers London landlords and letting agents a streamlined, secure way to verify tenant identities digitally. This innovation aligns with stricter Anti-Money Laundering (AML) regulations, reduces fraud risks, and simplifies compliance processes. Learn why adopting remote KYC is essential for your rental business and how to implement it effectively.

Mortgage MagicRemote KYCKnow Your Customer

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Mortgage Solutions20 February 2026

Surge in Mortgage Advice Firms: What London Landlords Need to Know and Do Now

Over 300 new mortgage advice firms joined the FCA register in the second half of 2025, reflecting ongoing growth in the mortgage advice market. This article explains why this matters to London landlords, outlines practical steps to ensure compliance and optimise mortgage-related decisions, and highlights how Rentals & Sales can support landlords through these changes.

FCA registrationmortgage advice firmsLondon landlords

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Mortgage Solutions20 February 2026

HLPartnership's CRM Upgrade: What London Landlords with Limited Company BTLs Need to Know

HLPartnership has enhanced its CRM system to reduce administrative burdens for limited company buy-to-let (BTL) cases through tailored features and better data integration. This development is a practical step forward for landlords managing limited company portfolios, streamlining compliance and operational workflows.

limited company buy-to-letBTL landlordsHLPartnership CRM

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Landlord Today19 February 2026

Pepper Money Cuts Buy To Let Mortgage Rates: What London Landlords Need to Know Now

Specialist lender Pepper Money has reduced Buy To Let mortgage rates by 0.50% across key LTV bands, including products for HMOs. This article breaks down why the rate cuts matter, who benefits most, and practical steps London landlords should take immediately to capitalise on these savings and mitigate financing risks.

Pepper MoneyBuy to LetMortgage rates

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Property Reporter19 February 2026

How Rely’s £2.1m Buy-to-Let Refinance Case Offers Vital Lessons for London Landlords

Rely’s recent £2.1 million refinancing of a high-end buy-to-let portfolio demonstrates key strategies for London landlords to manage lender withdrawals and tight refinancing deadlines. Understanding these practical steps helps landlords protect investments, avoid penalties, and navigate complex valuations effectively.

buy-to-let refinancingLondon landlordsspecialist lenders

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Letting Agent Today19 February 2026

Why London Landlords Without Agents Spend Four Days a Month on Red Tape—and How to Manage It

A 2026 Pegasus Insight study reveals landlords managing properties without agents devote nearly 31 hours monthly to administration, compliance, and upkeep—rising to 78 hours for those with 11+ units. This article breaks down the implications for London landlords, especially those with HMOs or buy-to-let mortgages, highlighting risks and offering practical steps to streamline operations and maintain compliance amid growing regulatory demands.

landlord time managementproperty compliance UKletting agents

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Mortgage Strategy18 February 2026

Skipton Group’s Mortgage Growth Signals Caution for London Landlords

Skipton Group's mortgage balances rose 7.9% to £33.3 billion in 2025, largely driven by first-time buyers. Despite growth, pre-tax profits fell and mortgage arrears rose slightly, highlighting economic pressures. Connells’ lettings portfolio exceeded 128,000 properties, illustrating compliance complexities. London landlords should proactively manage tenant affordability and compliance risks amid these evolving market conditions.

Skipton Groupmortgage growthLondon landlords

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Mortgage Strategy18 February 2026

Why Wealthy Investors Are Turning to Buy-to-Let and What It Means for London Landlords

Recent analysis reveals that affluent UK investors are increasingly allocating capital to buy-to-let property and private company investments after maxing out traditional tax shelters like ISAs and pensions. This shift persists despite challenges like higher borrowing costs and regulatory changes. London landlords should understand these trends, assess their portfolios for risk-adjusted returns, and stay aligned with evolving mortgage and compliance landscapes to navigate this changing investment environment effectively.

buy-to-letwealthy investorsLondon landlords

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Mortgage Strategy18 February 2026

FCA Eases Mortgage Rules: What London Landlords Need to Know Now

The FCA's relaxation of mortgage affordability criteria in early 2024 has increased borrowing capacity for buyers, presenting both opportunities and risks for landlords. This article explains the implications of higher loan-to-income multiples, potential tenant financial stress, and emerging lending trends such as equity release. It offers practical advice for London landlords to manage tenant risk and adapt their strategies effectively amid these changes.

FCAmortgage rulesLondon landlords

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Mortgage Solutions18 February 2026

Pepper Money Slashes Buy-to-Let Rates to 3.94%: What London Landlords Must Do Now

Pepper Money has cut buy-to-let mortgage rates across multiple loan-to-value tiers, with the lowest five-year fixed rate at 3.94% for 70% LTV. These changes, including cashback and free valuation incentives, come as the market braces for a surge in remortgages in 2026. London landlords should proactively review their mortgage arrangements to capitalise on these savings and ensure compliance with lender criteria.

Pepper Moneybuy-to-let mortgage ratesLondon landlords

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Mortgage Solutions18 February 2026

Zephyr and Marsden Update Buy-to-Let Lending Criteria: What London Landlords Need to Know Now

Zephyr Homeloans has introduced new fixed-rate buy-to-let mortgage products featuring removed application fees, increased loan limits, and first-time landlord acceptance for HMOs and multi-unit freeholds. Marsden Building Society has improved its expat buy-to-let lending with higher loan-to-value ratios and lowered property value requirements. This article outlines these updates, their relevance to different landlord types in London, and suggests practical next steps.

buy-to-letmortgage lendingLondon landlords

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Mortgage Solutions18 February 2026

FCA Loosens Mortgage Lending Rules: What London Landlords Need to Know Now

The FCA has relaxed mortgage lending criteria to boost homeownership, particularly benefiting first-time buyers by increasing borrowing limits by about £30,000. While this enhances mortgage access, it raises medium-level risks of borrower financial distress. London landlords should update tenant screening and engagement strategies to manage potential impacts on rental income and tenant stability.

FCA mortgage lendingLondon landlordstenant screening

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Property Reporter18 February 2026

Case Study: How Aspen’s £950k Bridge-to-Let Deal Closed in Just 10 Days — What London Landlords Need to Know

Aspen’s bridge-to-let product combines short-term bridging finance with longer-term buy-to-let lending, offering landlords and investors up to five years of combined terms, loans up to £15 million, and up to 80% loan-to-value (LTV). A recent £950,000 deal closed in just 10 days, showcasing how this streamlined financing can accelerate acquisitions and simplify refinancing. This article outlines key product features and practical steps London landlords can take to leverage these options effectively.

Aspen bridge-to-letLondon landlordsbridging finance

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Mortgage Strategy17 February 2026

Atom Bank Slashes AIP-to-Offer Time by 80%: What London Landlords Need to Know

Atom Bank has dramatically reduced its mortgage processing times, cutting the agreement in principle (AIP) to offer period by 80% to just five working days. This development holds practical implications for London landlords in managing transactions, financing strategies, and tenant onboarding. Understanding these changes can help landlords, agents, and brokers streamline operations and improve client advice.

Atom Bankmortgage offer timesAIP

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Landlord Today17 February 2026

Navigating London’s Property Value Decline: Practical Steps for Landlords in 2024

London property values have dropped by up to 12% since 2023, especially in prime boroughs like Westminster and Kensington & Chelsea. This shift, driven by rising mortgage costs and tax changes, requires landlords to reassess rental pricing, portfolio strategy, and compliance obligations to maintain profitability and competitiveness.

London property marketproperty value declinelandlords

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Mortgage Strategy13 February 2026

Navigating Digital Mortgage Signing and NatWest-Rightmove Partnership: What London Landlords Must Know

Nationwide Building Society has introduced electronic signing of mortgage deeds in early 2024, streamlining mortgage completion for landlords. Additionally, the new three-year partnership between NatWest and Rightmove is set to impact property marketing and financing, requiring landlords to prepare for operational changes. This article examines the implications, compliance considerations, and recommended actions for landlords in London to effectively manage these developments.

Nationwide Building SocietyElectronic SignatureMortgage Deeds

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Mortgage Solutions13 February 2026

TSB, ModaMortgages and Stafford BS Cut Rates: What London Landlords Need to Know Now

TSB, ModaMortgages, and Stafford Building Society have announced mortgage rate reductions on various residential and buy-to-let products. This article explains what these changes mean practically for landlords, how they might affect mortgage affordability and portfolio planning, and outlines immediate steps landlords should take to benefit from the new rates.

mortgage rate cutsLondon landlordsbuy-to-let

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Mortgage Solutions13 February 2026

PM Law Group Closure and Mortgage Market Updates: What London Landlords Need to Know Now

The unexpected closure of PM Law Group has disrupted conveyancing processes, prompting regulatory intervention that landlords must navigate to avoid transaction delays. Concurrently, the Treasury's consultation on appointed representative oversight and the launch of a 100% LTV mortgage product by Family Building Society introduce new compliance and risk considerations. This article breaks down these developments, their practical implications for landlords across different portfolio sizes, and immediate steps to safeguard your property transactions and lending strategies.

PM Law Groupconveyancing disruptionSolicitors Regulation Authority

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Letting Agent Today13 February 2026

Buy-to-Let Arrears and Possessions Fall: What London Landlords Need to Know

Recent UK Finance data reveals a 9% quarterly drop in buy-to-let mortgage arrears and a 14% decline in property possessions in late 2025, signalling improved financial stability for landlords amid ongoing economic pressures. While no new compliance duties arise, landlords should maintain diligent rent and mortgage monitoring and adjust strategies accordingly.

buy-to-letmortgage arrearsproperty possessions

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Landlord Today13 February 2026

Navigating Buy-to-Let Repossessions: What London Landlords Need to Know Now

Despite a 9% fall in buy-to-let mortgage arrears and a 14% drop in repossessions in Q4 2025, over 750 properties were repossessed in just three months. This article explains what these figures mean for different landlord profiles, highlights risks associated with older mortgages, and offers practical advice to help safeguard investments amid ongoing market pressures.

buy-to-letrepossessionLondon landlords

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Mortgage Strategy12 February 2026

Furness Building Society Expands Buy-to-Let Lending Access: What London Landlords Need to Know

Furness Building Society has updated its mortgage criteria as part of a wider transformation programme, improving access for landlords and complex income borrowers. Key changes include increased loan-to-value (LTV) ratios for regulated buy-to-let mortgages and expanded eligibility for contractors, new business owners, and limited company directors. This article outlines practical implications for London landlords and suggests actionable steps to leverage these new opportunities while managing compliance and financial risks.

Furness Building Societybuy-to-let mortgageloan-to-value

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Mortgage Strategy12 February 2026

Molo Strengthens South East Presence with New BDM Appointment: What Landlords Need to Know

Specialist lender Molo has appointed Steven Griffiths as Business Development Manager for the South East, aiming to enhance broker relationships and support regional buy-to-let growth. This article explains the practical implications for landlords and brokers, highlighting steps to leverage new mortgage products and improved local support.

MoloSteven GriffithsSouth East

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Mortgage Strategy12 February 2026

Navigating Recent Mortgage Rate Changes: What London Buy-to-Let Landlords Need to Do Now

Leek Building Society has raised some buy-to-let mortgage rates by up to 0.20%, while TSB and Atom Bank have trimmed certain residential and commercial lending rates. This mixed movement requires landlords to reassess financing arrangements, cash flow forecasts, and rental pricing strategies. Understanding these shifts and acting promptly can safeguard portfolio profitability and compliance.

buy-to-letmortgage ratesLondon landlords

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Mortgage Solutions12 February 2026

Furness Building Society's Mortgage Transformation: What London Landlords Need to Know About New Lending Criteria

Furness Building Society has updated its mortgage lending criteria to better serve borrowers with complex incomes, including private landlords. This article explains these changes, their implications for London landlords, and practical steps to capitalise on new financing opportunities.

Furness Building Societymortgage transformationloan-to-value

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Property Industry Eye12 February 2026

Green Shoots in UK Housing Market: What London Landlords Need to Know Now

The RICS January 2026 survey signals tentative recovery in the UK housing market, with rising buyer and tenant demand alongside constrained landlord supply. For London landlords, this presents both opportunities and challenges in managing rents, compliance, and portfolio strategy amid regional variations. This article breaks down what the data means practically and outlines immediate steps to prepare for a potentially busier market from mid-2026 onwards.

RICS surveyUK housing marketLondon landlords

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Landlord Today12 February 2026

Renters Overlook Mortgage Options: What London Landlords Need to Know

A recent Building Societies Association study reveals that many renters aiming to buy property have not explored mortgage options, delaying homeownership. London landlords who understand these buyer challenges can better support tenants, improve retention, and engage more effectively. This article outlines practical steps for landlords to inform tenants, collaborate with mortgage advisers, and prepare for changes in the housing market.

London landlordsmortgage optionstenant support

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Landlord Today5 February 2026

Preparing for the 2026 Buy-to-Let Mortgage Maturity Wave: Practical Steps for London Landlords

A substantial £49.7 billion of fixed-rate buy-to-let mortgages, mostly originated in 2021, are set to mature in 2026. With nearly 40% of landlords planning to refinance that year—especially those managing larger portfolios—understanding this refinancing surge is crucial. This article guides landlords through the implications, practical preparation steps, and how to manage refinancing effectively to safeguard rental income and portfolio stability.

buy-to-letmortgage maturity2026 refinancing

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Landlord Today26 January 2026

Mortgage Works Cuts Buy-to-Let Rates: What London Landlords Should Do Now

Mortgage Works has reduced interest rates across several buy-to-let mortgage products, with the lowest now at 2.29% for a one-year fixed at 75% LTV. For London landlords, this presents a timely opportunity to review financing arrangements, consider refinancing, and plan future investments with potentially lower borrowing costs.

Mortgage Worksbuy-to-letLondon landlords

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Landlord Today25 January 2026

Urgent: Navigating the 28.6% Surge in Buy-to-Let Repossessions – What London Landlords Must Do Now

Buy-to-let repossessions in the UK surged by 28.6% in Q3 2025, reaching 900 properties despite growth in lending and rental yields. This spike signals increased financial pressure on landlords, making mortgage affordability reviews and contingency planning critical. This article breaks down what the rise means for different landlord types and offers practical steps to protect your investment, along with how Rentals & Sales can support you through this challenging period.

buy-to-let repossessionsLondon landlordsmortgage affordability

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Landlord Today20 January 2026

Mortgage Works Cuts Buy-to-Let Fixed Rates: What London Landlords Need to Know

The Mortgage Works is reducing interest rates on select two-, three-, and five-year fixed buy-to-let mortgage products by up to 0.15 percentage points from January 2026. This development offers London landlords a low-risk opportunity to improve cash flow and revise financial plans, but it also requires timely review of mortgage arrangements and strategic decision-making to maximise benefits.

buy-to-letmortgage rate cutThe Mortgage Works

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Landlord Today19 January 2026

How Landlords Can Benefit from Coventry’s New Energy-Efficient BTL Mortgage Range

Coventry for Intermediaries has introduced buy-to-let mortgage products offering lower interest rates for properties rated EPC A to C. This article outlines how landlords can access these rates, practical steps for compliance, and the impact across different landlord profiles.

buy-to-let mortgageCoventryEPC rating

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Landlord Today19 November 2025

Gatehouse Bank Cuts Buy-to-Let Rates: What London Landlords Need to Know

Gatehouse Bank has reduced its buy-to-let rental rates by 0.31% on two-year fixed term Purchase Plans, enhancing financing options for UK expats, international residents, and landlords with HMOs or Multi-Unit Freehold Blocks. This article outlines the practical impacts for various landlord profiles and actionable steps to optimise your financing and budgeting strategies.

{"Gatehouse Bank"buy-to-let"London landlords"

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Landlord Today17 November 2025

How Landlords Can Simplify Financing with Paragon Bank’s Multi-Property Mortgage Application

Paragon Bank has launched a buy-to-let mortgage application allowing landlords to apply for four or more properties—including single lets, HMOs, and multi-unit blocks—via a single streamlined process. This reduces fees, legal costs, and administrative complexity, making mortgage management easier for landlords with mixed portfolios. Here’s what you need to know to leverage this innovative product.

{"Paragon Bank""multi-property mortgage""buy-to-let mortgage"

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Landlord Today14 November 2025

Navigating the Rise in Buy-to-Let Repossessions: Practical Steps for London Landlords

UK Finance data shows a 14% increase in buy-to-let repossessions in Q3 2025, highlighting the need for London landlords to review tenant monitoring and risk management. This article explains what the data means across landlord types and offers clear, actionable steps to protect your investment amid market changes.

{"buy-to-let repossessions""London landlords""mortgage arrears"

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Landlord Today13 November 2025

Introducing Rely: What Landlords Need to Know About OSB Group's New Buy to Let Mortgage Brand

OSB Group has launched Rely, a new buy to let mortgage brand designed to simplify the mortgage process for landlords and brokers. This article explains what Rely offers, why it matters for landlords, and practical steps to evaluate this new option within your financing strategy.

{"Rely mortgage brand""OSB Group""buy to let mortgages"

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Landlord Today11 November 2025

New 80% LTV Buy-to-Let Mortgages: What London Landlords Need to Know

CHL Mortgages has launched a new range of 80% Loan-to-Value buy-to-let mortgage products catering to single properties, small HMOs, and short lets. These options, available to individuals and limited companies with loans up to £750,000, offer varied fee structures and fixed-rate periods. This article breaks down what these products mean for landlords across profiles, practical considerations, and recommended next steps to optimise financing strategies.

{buy-to-let"80% LTV""London landlords"

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