Are Lenders Finally Waking Up? – The Return Of Sensible Buy‑To‑Let Mortgages

After a rocky year of rising rates and tight lending rules, the mortgage market is finally showing signs of improvement. In this episode, Tom from Mortgage Tribe breaks down what’s really changing, from stress test updates to new products—and what it all means for landlords and investors in 2025.

After months of rising interest rates, tough stress tests, and general uncertainty, the mortgage market in 2025 might finally be turning a corner. In this episode, we chat with Tom from Mortgage Tribe to find out what’s really happening behind the scenes—and what it all means for landlords and property investors.

Lenders are starting to cut rates. Stress tests are becoming a bit more flexible. And new mortgage products are appearing faster than ever. But is this a real return to normal or just a short-term boost?

If you're wondering whether now is the time to refinance, buy another property, or just hold tight, this episode is packed with useful insights to help you make smart decisions.

In This Episode, You'll Learn:

  • Why some lenders are making it easier to pass affordability checks
  • What’s going on with rate cuts—and whether you should fix now or wait
  • High loan-to-value (LTV) deals: a sign of confidence or cause for concern?
  • Updates on limited company mortgages, expat lending, and niche products
  • How the FCA is trying to simplify the mortgage process
  • What the next 12 months might look like for landlords and investors

Tom breaks down the key trends in simple terms and shares practical tips you can use right now, whether you're experienced or just starting out in property.

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Getting Bored? Selling Your Home Shouldn't Be a Waiting Game...

No new viewings. No clear updates. Just silence. You’re still on the market, but it’s starting to feel like you’re in limbo.

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Have You Seen Any Serious Offers Yet? Here’s the Real Reason Why Not…

If you’re Googling any of these right now: “Why am I getting viewings but no offers?” “What does buyer feedback really mean?” “Is my house overpriced or just badly marketed?” You’re not alone, and you’re right to ask. Because when buyers are walking in, nodding politely… and then vanishing or worse giving 'naff' offers, something’s misaligned.

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Stevenage’s Property Market Now Worth £13.003 Billion

As we hit the third week of December, the Stevenage property market does slow down ready for the big day. It’s at this time of year, I like to work out the total value of every home in Stevenage, and how that value has changed since 2010 (as that was the bottom of the market after the Credit Crunch).

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Here’s What We’d Say to Your Agent (If We Weren’t Too Polite)

You might be Googling things like: • “What should my estate agent be doing to sell my house?” • “House on Rightmove but no viewings” • “How do I change estate agents if I’m not happy?” And here’s what I’d say to your agent, the things I know sellers are thinking but don’t always say out loud.

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