Insights
Buy-to-Let Mortgage Rates: What Investors Need to Know in Today’s Market
by Melisa Cindil
The Buy-to-Let (BTL) market continues to evolve, and with recent movements in mortgage rates, investors need to stay ahead of the curve. For those looking to expand or refinance their portfolio, 2025 presents both challenges and opportunities.
Current landscape
After a period of sharp increases, BTL mortgage rates are beginning to stabilise, with lenders showing more appetite for investors as inflation eases and competition in the mortgage market returns. While average fixed rates remain higher than historic lows, there is now greater flexibility in products – from limited company BTL options to trackers and green mortgages.
Why this matters for landlords
Current landscape
After a period of sharp increases, BTL mortgage rates are beginning to stabilise, with lenders showing more appetite for investors as inflation eases and competition in the mortgage market returns. While average fixed rates remain higher than historic lows, there is now greater flexibility in products – from limited company BTL options to trackers and green mortgages.
Why this matters for landlords
- Refinancing opportunities: Many investors coming off previous deals may benefit from reviewing the latest rates to avoid reverting to costly SVRs.
- Yield protection: Securing competitive financing is crucial to maintaining net yields, especially in markets where operating costs and legislation have tightened margins.
- Portfolio growth: Softer rates and more diverse lending products are creating renewed opportunities to acquire additional rental properties.
How Oakheart and Zest Money Group can help
At Oakheart, we work closely with our trusted mortgage partners at Zest Money Group, who specialise in BTL finance. Their expert team can:
At Oakheart, we work closely with our trusted mortgage partners at Zest Money Group, who specialise in BTL finance. Their expert team can:
- Review your current mortgage arrangements to identify potential savings
- Source competitive BTL products aligned with your investment strategy
- Advise on structuring through personal names or limited companies
- Support refinancing and acquisition planning across single units or larger portfolios
If you are considering a BTL purchase, refinance, or simply want clarity on your current position, we strongly recommend speaking with our colleagues at Zest Money Group.
Contact the Zest Money Group team today to arrange an appointment and explore the best mortgage options for your portfolio.
