Landlords Are Back! £10.5bn BTL Lending Surge – But Will It Last?

This week on The Investor’s Corner, we chat with Tom Ashton from Mortgage Tribe about what’s going on in the landlord mortgage market right now.

Buy-to-let lending is up 47% in the first quarter of 2025, reaching £10.5bn. After years of landlords selling up, it looks like things might be turning around. But what’s driving this? And what does it mean if you’re trying to invest, refinance, or grow your property portfolio?

Tom takes us through everything from lender rules on new builds and gifted deposits, to the record number of mortgage deals now available. We also cover how landlords are using second charge mortgages to raise funds, and what the new mortgage guarantee scheme could mean for the market.

What We Talk About
Is the landlord sell-off over?
Why buy-to-let lending has jumped so much this year and whether the momentum will last.

New builds and stricter lending rules
Some lenders are tougher on new build properties for landlords. Tom explains what’s changed and how you could plan ahead.

Gifted deposits
Are banks getting stricter on gifted deposits, and does it work differently for personal vs limited company mortgages?

More mortgage choice than ever
June saw a record number of buy-to-let products. Here’s how landlords could use that to get a better deal.

Second charge mortgages
An option for raising money without remortgaging and how it can help you grow your portfolio.

Mortgage guarantee scheme
What it is, who it’s for, and whether it’s likely to take off.

Why You Should Listen
The mortgage market is moving quickly, and the right information can help you make smarter decisions. Whether you’re buying, refinancing, or just reviewing your portfolio, this episode gives you practical tips and a clear view of what’s happening in 2025.

🎧 Listen to the episode

📩 Contact Tom Ashton
Email: tom@mortgagetribe.co.uk

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