Paragon Bank research indicates that 38% of mortgaged landlords expect to refinance at least one buy-to-let property during the next 12 months, with respondents refinancing an average of 2.9 loans. Suffolk Building Society’s new 85% LTV range for UK and expat landlords adds further product choice, but affordability, rental coverage and portfolio complexity will remain central to lender decisions.
Landlords are also navigating substantial policy change. Reports highlight a planned 4% income-tax increase for landlords from 2027, the Renters’ Rights Act, Making Tax Digital exposure for landlords above relevant income thresholds, and the first stage of England’s rental-property registration scheme in the West Midlands from 15 December.
AI implication: advisers can use secure workflow tools to segment portfolios by maturity date, LTV, rental income and regulatory actions required. This can prioritise review activity at scale, but data-driven prompts must be validated against each client’s full tax position, objectives and property circumstances; mortgage advisers should not stray into unregulated tax advice.