Recent research indicates a significant trend among UK landlords, with 76% planning to refinance their property portfolios within the next year. This shift aims to support new investments, highlighting the resilience of the buy-to-let sector.
Why Are Landlords Choosing to Refinance?
The primary motivation for refinancing among landlords is to secure funds for new investments. According to the findings, over a third (36%) of landlords are “very likely” to refinance, while 40% are “somewhat likely.” Only 12% expressed that they are unlikely to pursue refinancing. This trend suggests that landlords are looking to optimise their portfolios and seize new opportunities in the property market.
How Does This Impact Different Regions?
Geographically, the trend shows a shift in buy-to-let lending patterns. The North West has seen a 3.3 percentage point increase in Together’s buy-to-let lending since 2020, while Scotland and Yorkshire and the Humber have also experienced gains. Conversely, Greater London and the South East have seen a decline in their share of lending, dropping from 23.6% in 2020 to 20% in 2025. This regional shift indicates changing dynamics in property investment across the UK.
What This Means for Landlords
For landlords, the inclination to refinance could signify a more competitive environment for securing financing. With many landlords looking to expand their portfolios, brokers may find increased demand for refinancing options. This trend also suggests that landlords are optimistic about the future of the buy-to-let market, which could lead to more investment activity. Landlords should stay informed about current mortgage rates to take advantage of potential refinancing opportunities.
Frequently asked questions
What are the benefits of refinancing for landlords?
Refinancing can provide landlords with access to lower interest rates, improved cash flow, and additional funds for further investments, enhancing their overall portfolio performance.
How can landlords prepare for refinancing?
Landlords should review their current mortgage terms, assess their property values, and consult with mortgage brokers to explore the best refinancing options available in the market.