S C
22 Jul 2025Becky & Michelle have been great throughout the house-buying process. Becky gave us invaluable advice and explained everything so clearly, which is great as we’re first time buyers - we highly recommend her for advice on mortgages!
Hoyl Independent Advisers Ltd is an FCA-regulated mortgage broker based in North Norfolk, NR27 9DG, specialising in Buy-to-Let, First Time Buyers, Residential. Rated 5/5 from 5 reviews.
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S C
22 Jul 2025Becky & Michelle have been great throughout the house-buying process. Becky gave us invaluable advice and explained everything so clearly, which is great as we’re first time buyers - we highly recommend her for advice on mortgages!
Rob Lewis
14 Jun 2022Hoyl have been absolutely fantastic helping me get a new mortgage. I cannot praise them enough for there level of professionalism and support post divorce. Special thanks to Becky :)
Mike Churcher
28 Feb 2022I have benefitted from Hoyl's mortgage and financial advice. They work very hard to offer open, experienced and knowledgeable guidance.
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Practical guides and explainers from our blog — relevant to this mortgage type.

The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.

UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.

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