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Data from Twenty7tec found that 18 March 2025 had been the busiest day on record for buy-to-let mortgage searches. This has been prompted by landlords looking to restructure their buy-to-let property portfolios in anticipation of the impending regulatory change, including the renters’ rights bill and new stamp duty rules.
Twenty7tec Director, Nathan Reilly, stated: “We’re seeing a significant increase in buy-to-let remortgages as property investors look to future-proof their portfolios.
“As new changes appear on the horizon, we are noticing that landlords are acting more decisively when it comes to their next steps.”
Changing affordability
The increase saw double the volume of the previous day, with the surge in the day’s searches contributing to one of the highest seven-day totals ever recorded for buy-to-let mortgage activity. The record spike is being linked to landlords looking to protect their portfolios by remortgaging in reaction to changing affordability, tax burdens and new regulations coming later in the year.
This is certainly backed up by Twenty7tec’s data, which reveals a 22.9% month-on-month increase in buy-to-let mortgage searches in the £150,000-£250,000 valuation range. This figure is significantly higher than the 6.4% increase in residential searches.
Buy-to-let driving searches
The rise in searches for properties in this bracket is “particularly telling” added Reilly. “That price band is seeing the greatest change in activity, and it’s buy-to-let, not residential, that’s driving it,” he explained.
“In addition to this, we are seeing record levels of products available, with 25,218 total products by the end of March.
“There’s more choice than ever for buy-to-let landlords, but with external pressures mounting, the next few months will be telling as to whether landlords stay the course, adapt their strategies – or begin to exit the market altogether.”