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September 23.2025
2 Minutes Read

Buy-to-Let Market Thrives: Lender Appetite & Investor Demand Skyrocket

Professional handshake in buy-to-let market growth scene

Buy-to-Let Market Thrives Despite Challenges

The buy-to-let property market in the UK remains vibrant, fueled by a robust appetite from lenders and continuous demand from investors. Recent insights indicate that a staggering 60% of landlords intend to leverage buy-to-let mortgages in the next 12 months, demonstrating resilience in the market despite previous changes in stamp duty regulations.

Why Are Brokers Essential in the Current Climate?

The Pegasus Insight Landlord Trends Report states that an impressive 66% of landlords who recently acquired buy-to-let mortgages sought guidance through brokers. This reliance on intermediaries highlights the complexities in today’s lending landscape, reinforcing the vital role brokers play in navigating the ever-changing tides of mortgage criteria.

A Positive Turn in Lending Practices

At Fowler Smith Mortgages & Protection, we observe a noticeable uptick in inquiries pertaining to buy-to-let financing. Lenders are adapting quickly, refining their criteria to capture more business, proving that adaptability is key in their strategy. Innovations such as allowing intercompany loans as deposits are emerging, showing a step toward greater flexibility that can benefit landlords significantly.

Thriving Market Trends: New Builds & Rising Rents

Our data supports a remarkable 40.81% increase in new business during the summer months compared to the previous quarter, signifying an enthusiastic pursuit of investment properties. Notably, new build buy-to-let properties are experiencing heightened interest from both local and overseas investors. Moreover, rental costs have surged; Rightmove reports that tenants are now paying £400 more than they did five years ago, with a 3.9% rise noted over the last year. Rising rents are compelling evidence of the demand for rental properties, buttressing investor confidence.

The Regional Yield Landscape

The current landscape reveals an interesting yield matrix across the UK. The North East is leading with average yields of 8.1%, while London lags with figures around 5.7%. Each region has reported year-on-year growth, reflecting a boom in various locales. Such disparities may influence your investment decisions as they spotlight lucrative opportunities outside the capital.

Final Thoughts for Aspiring Landlords

As an enthusiastic observer of the property market, I am buoyed by the sustained interest from both investors and lenders in the buy-to-let sector. The momentum demonstrates that the industry is not just surviving but thriving, and we're excited to support first-time landlords and seasoned investors alike in navigating this dynamic market.

This is a moment of opportunity. Whether you’re considering expanding an existing portfolio or eyeing your first investment property, understanding the landscape is crucial. The data shows that now is a great time to step into the buy-to-let arena—get in touch with your local brokers and start exploring your options today!

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Is the Renters’ Rights Bill Leaving Landlords Behind? Understand Its Implications

Update The Unfair Burden on Landlords in the Renters’ Rights Bill As the Renters’ Rights Bill draws closer to receiving Royal Assent, a significant debate is emerging about its one-sided approach, which places the burden of responsibility squarely on landlords. Proponents of the bill argue that it addresses the pressing need to protect tenants, especially in light of rampant neglect and mismanagement by rogue landlords. However, this perspective overlooks the realities faced by diligent landlords who strive to provide safe and quality housing. Understanding the Current Landscape of the Rental Market The core of the issue can be traced back to the larger problems within the private rented sector. Reports indicate that as much as 40% of rental homes fail to meet acceptable standards. While this statistic aptly highlights the urgent need for regulation and tenant protection, it also raises a critical question: what about the landlords who do adhere to standards and are providing invaluable services to their communities? Implications of the Bill on Responsible Landlords The Renters’ Rights Bill introduces new challenges that could dissuade responsible landlords from continuing their investment in rental properties. Historical context suggests that many landlords have complied with property standards and have repaired damage caused by tenants. However, this new legislation could drastically change how landlords manage their properties, making evictions more complex and costly. The emphasis on tenant protections without considering the repercussions for landlords raises concerns about the sustainability of the rental market. Broader Views on Tenant Rights and Responsibilities While the intent behind the Renters’ Rights Bill is commendable, as it seeks to enhance protections for tenants, it is essential to consider the unintended consequences. The current approach appears to neglect the rights of landlords and fails to establish a balanced relationship between the two parties. As noted in discussions by Labour housing minister Matthew Pennycook, the focus has primarily been on cracking down on 'rogue landlords,' seemingly ignoring the existence of 'rogue tenants.' The lack of references to tenant accountability in official discussions presents a disservice to the entire discourse. Future Predictions: A Balanced Approach to Tenant and Landlord Rights Looking ahead, the potential fallout from the Renters’ Rights Bill could lead to fewer rental properties becoming available. With many responsible landlords reconsidering their investments, the market might experience a contraction, ultimately leading to a housing shortage. Such shifts would particularly affect younger homeowners and first-time renters who could find it increasingly difficult to secure quality accommodation. A re-assessment of the balance between protecting tenants and respecting the rights of landlords is crucial for a sustainable rental ecosystem. Conclusion: Call for a Balanced Dialogue The Renters’ Rights Bill signifies a movement towards better tenant protections, but it must not come at the detriment of landlords who fulfill their responsibilities. A collaborative dialogue that fosters accommodation between landlords and tenants is necessary. By integrating landlord perspectives into policy discussions, we can work towards a fair rental market that prioritizes quality living conditions for all. If you're a landlord or tenant, consider engaging with community resources or forums to share your input on fostering better relationships in the rental market.

Kier's Positive Results Herald Bright Future as Davies Retires

Update Kier Group's Impressive Financial Results Mark a New Era In a thrilling turn of events, Kier has reported financial results reflecting a positive trajectory as it prepares for leadership transition. Chief Executive Andrew Davies' retirement marks not just an end but a celebration of six years of remarkable recovery for one of the UK's largest construction companies. With profits soaring 15% to £78.1 million, up from £68.1 million in 2024, Kier is now positioned strongly for continued growth. Growth in a Challenging Environment Kier's revenue grew by 4%, reaching £4.1 billion, a significant leap from the previous year's figures. This growth is a testament to Davies' leadership during a challenging economic climate, transforming Kier from a financially-struggling entity into a robust enterprise. Operating profit has also blossomed, climbing to £113.7 million, up 10% from £103.1 million in the prior year. Increased Investment and Future Prospects Davies emphasized that there was plenty of momentum heading into FY26, with trading slightly ahead of expectations. "Our adjusted operating profit margin of 3.9% is steadily approaching our target range of 4.0%-4.5%, as we grow our order book to an impressive £11 billion, ensuring a bright outlook for revenue visibility over the next few years," he stated. Record Achievements Under Davies’ Leadership During his tenure, Davies has led Kier to notable accomplishments including substantial investments in the company’s Property sector, a £20 million share buyback program, and increased dividends for shareholders. This commitment to growth demonstrates the firm’s responsibility not just to its stakeholders, but also to enhancing the infrastructure vital to communities across the UK. The Upcoming Transition to Stuart Togwell As Stuart Togwell prepares to take over as CEO, he inherits a strong and stable company. The upcoming leadership change symbolizes both continuity and change, where Kier is positioned not just to withstand economic challenges, but to thrive. "It feels like the right time for me to step back while the company achieves incredible things," Davies remarked, embodying a spirit of integrity in business leadership. The Community Connection: Why This Matters to Young Homeowners in London For young homeowners in London, Kier's robust performance signals positive developments for the construction sector. Projects that enhance community infrastructure will ultimately lead to improved living conditions, efficient services, and smarter homes. As Kier benefits from the government's long-term infrastructure spending commitments, it fosters the kind of sustainable growth that aligns with the interests of environmentally-conscious, tech-savvy homeowners. Conclusion: A Legacy of Resilience Andrew Davies exits on a high note, paving the way for new leadership while leaving behind a legacy of resilience and transformation within Kier. For homeowners and investors, the news is encouraging, heralding opportunities to enhance urban living and investing in property improvements that reflect sustainability and technology. As Kier moves into its next phase under Togwell's guidance, the potential for innovative developments remains vast. Keep an eye on Kier as it positions itself for ongoing success, and consider how these developments can benefit your own home improvement and sustainability goals.

Understanding the ONS Growth Report: What It Means for Young Homeowners

Update Is Construction Growth on the Horizon?Recent reports from the Office for National Statistics (ONS) reveal a glimmer of hope for the UK's construction industry. In July 2025, there was a marginal growth of 0.2% in construction output, following an increase of 0.3% in June. This uptick, largely driven by new work, may offer a much-needed boost for both established builders and young homeowners looking to renovate or expand their living spaces.The Dynamics of Growth: What It Means for YouWhile these figures present a positive outlook, it's essential for young homeowners to keep in mind that the overall economy experienced stagnation, with the GDP showing no growth in the same period. With housing making up a significant part of the construction output, the focus on new home building remains critical. If you're looking to upgrade or renovate, now might be a pivotal time to consider your options in light of these building trends.Exciting Sector Insights: What's Driving the Change?Delving deeper into the ONS's data shows promising activities within certain sectors. Private housing renovation projects surged by 3.8%, and infrastructure new work saw an increase of 2.1%. This trend is especially important for those interested in sustainable living and eco-friendly home improvements, as infrastructure investments often tie into energy-efficient systems and green technologies.Constructing New Possibilities: A Shared ConcernDespite the positive uptick in certain areas, industry experts caution against complacency. Richard Cook, a senior economics director, emphasizes the ongoing headwinds in the sector, such as labour shortages and declining productivity. As a homeowner, it’s crucial to be aware of these challenges, especially if you are considering embarking on extensive home improvement projects. Market conditions may dictate whether your project can proceed smoothly or with delay, considering both the cost of materials and availability of skilled labour.Planning for the Future: What Homeowners Should ConsiderThe construction sector's potential growth is not just a statistic; it's an integral part of home improvement and property investment strategies. If you are planning to invest in your home, consider the long-term outlook for cost and quality. Engaging with local contractors who are aware of the market landscape can provide invaluable perspectives, helping you navigate any uncertainties in the future.Stay Informed: The Importance of Community KnowledgeAs home-centric developments often reflect local conditions, staying connected with community updates and local news can provide insights into projects and initiatives that may enhance your living environment. Many neighborhoods are now prioritizing smart technologies and sustainable projects that resonate with eco-conscious homeowners.In summary, while the recent growth in construction output brings a modicum of optimism, it's vital for young homeowners to be well-informed about the economic landscape affecting their potential renovations or home-building aspirations. Engaging directly with your community, and aligning with economic trends can position you favorably for your next home project.

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