Paragon Bank research indicates that 38% of mortgaged landlords expect to refinance at least one buy-to-let property in the coming 12 months, with an average of 2.9 loans involved among those intending to act. A substantial maturity pipeline, changing landlord tax treatment and the Renters’ Rights Act are likely to make refinancing decisions more complex.
Advisers can use CRM and AI-led client-segmentation tools to identify approaching product maturities, model payment and rental-coverage scenarios, and prioritise clients facing several simultaneous refinancing decisions. Any automated output should be checked against current lender criteria, affordability calculations, property-specific risks and the client’s wider tax and investment position.