Buy-to-let lending rises 18% as remortgaging dominates
Original Article Summary
Buy-to-let mortgage lending increased by 18.2% year-on-year in Q4 2025, though growth was concentrated in remortgaging rather than new property purchases. The average gross rental yield rose to 7.18% while interest rates on new loans fell to 4.77%. The post Buy-to-let lending rises 18% as remortgaging dominates appeared first on PropertyWire.
PropMatch Curated Analysis
BTL lending rose 18% in Q4 2025 driven by remortgaging activity, while rental yields improved to 7.18% and borrowing rates fell to 4.77%. However, new purchase demand remains weak due to regulatory pressures including the upcoming Renters' Rights Act.
Investor Relevance
Existing landlords can benefit from improved refinancing conditions with lower rates and better yields, while prospective investors face continued barriers to new purchases. The data signals opportunities for portfolio optimization through remortgaging but warns of ongoing headwinds for expansion.
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