Rich Pike, Chief sales and Marketing Officer at Phoebus said:

“In December, UK Finance’s annual BTL report predicted a 7% drop in mortgage lending for buy-to-let purchases in 2025 compared to 2024, which was mainly due to the latest in a string of tax and regulatory blows dealt to landlords over recent years – this time on stamp duty in the Autumn Budget.

However, if all goes according to market predictions, interest rates and mortgage rates should drop in 2025, which should encourage many landlords – particularly professional portfolio landlords – to maintain hold of their properties. Despite recent challenges, the buy-to-let market is still a high yield investment.”