The value of buy-to-let (BTL) mortgage loans for property remortgaging in the UK was forecast to continue to increase in 2025, after plummeting in 2023. In 2023, buy-to-let mortgages originated for a property purchase amounted to ************ British pounds, while remortgage originations totaled ** billion British pounds. By 2026, mortgage lending for purchases was forecast to remain stable, while remortgage lending was expected to rise to ** billion British pounds.

In 2023, the buy-to-let gross lending amounted to approximately ** billion British pounds, with the ** largest lenders accounting for about **** billion British pounds. Nationwide BS topped the list for mortgage lending in the UK with approximately **** billion British pounds. Lloyds Banking Group and NatWest Group finished the top three mortgage lenders with ***** billion and *** billion British pounds in gross lending respectively.

Retail Interest Rates - Mortgage Rates. Published by Central Bank of Ireland. Available under the license Creative Commons Attribution 4.0 (CC-BY-4.0).Table B.3.1 presents quarterly mortgage rate data specific to the Irish market. These data include all euro and non-euro denominated mortgage lending in the Republic of Ireland only. New business refers to new mortgage lending drawdowns during the quarter, broken down by type of interest rate product (i.e. fixed, tracker and SVR). The data also provide further breakdown of mortgages for principal dwelling house (PDH) and buy-to-let (BTL) properties. Renegotiations of existing loans are not included....

Business mortgages, or buy-to-let (BTL) mortgages, are a loan sold to property investors, rather than to people who want to purchase a home to live in. As of the fourth quarter of 2019, the majority of landlords who took a BTL mortgage loan chose a fixed rate, with more than *** in ***** mortgagers opting for a **** year fixed rate term.

The Residential Mortgage Arrears and Repossessions Statistics detail quarterly developments in the number and value of mortgages in arrears, restructured mortgages, in legal proceedings and repossessed properties. Data are broken down by principal residences (PDH) and buy-to let properties. Data are published on a quarterly basis and are subject to revisions

The 10 largest mortgage lenders in the United Kingdom accounted for approximately 81 percent of the total market, with the top three alone accounting for 41 percent in 2023. Lloyds Banking Group had the largest market share of gross mortgage lending, with nearly 36.8 billion British pounds in lending in 2023. HSBC, which is the largest UK bank by total assets, ranked fourth. Development of the mortgage market In 2023, the value of outstanding in mortgage lending to individuals amounted to 1.6 trillion British pounds. Although this figure has continuously increased in the past, the UK mortgage market declined dramatically in 2023, registering the lowest value of mortgage lending since 2015. In 2020, the COVID-19 pandemic caused the market to contract for the first time since 2012. The next two years saw mortgage lending soar due to pent-up demand, but as interest rates soared, the housing market cooled, leading to a decrease in new loans of about 100 billion British pounds. The end of low interest rates In 2021, mortgage rates saw some of their lowest levels since recording began by the Bank of England. For a long time, this was particularly good news for first-time homebuyers and those remortgaging their property. Nevertheless, due to the rising inflation, mortgage rates started to rise in the second half of the year, resulting in the 10-year rate doubling in 2022.

Business mortgages, or buy-to-let (BTL) mortgages, are a loan sold to property investors, rather than to people who want to purchase a home to live in. As of the second quarter of 2012, multi-unit freehold blocks (MUFB) saw the second-highest average loan size at over 553,000 British pounds. Nevertheless, this was a decrease from the third quarter in 2021, when the average loan size for this property type was close to 536,000 British pounds.

Residential Mortgage Arrears and Repossession Statistics. Published by Central Bank of Ireland. Available under the license Creative Commons Attribution 4.0 (CC-BY-4.0).The Residential Mortgage Arrears and Repossessions Statistics detail quarterly developments in the number and value of mortgages in arrears, restructured mortgages, in legal proceedings and repossessed properties. Data are broken down by principal residences (PDH) and buy-to let properties. Data are published on a quarterly basis and are subject to revisions...

United Kingdom Credit Cond: SL: N3: Lending Spreads: Buy-to-let Lending data was reported at 6.400 % Point in Jun 2018. This records a decrease from the previous number of 23.800 % Point for Mar 2018. United Kingdom Credit Cond: SL: N3: Lending Spreads: Buy-to-let Lending data is updated quarterly, averaging 10.600 % Point from Jun 2007 (Median) to Jun 2018, with 45 observations. The data reached an all-time high of 35.300 % Point in Dec 2016 and a record low of -25.600 % Point in Mar 2008. United Kingdom Credit Cond: SL: N3: Lending Spreads: Buy-to-let Lending data remains active status in CEIC and is reported by Bank of England. The data is categorized under Global Database’s UK – Table UK.KB017: Credit Conditions Survey: Secured Lending: Next 3 Months.

United Kingdom Credit Cond: SL: N3: HH: DL: Hse Purchase: Buy-to-let Lending data was reported at 0.800 % Point in Sep 2018. This records an increase from the previous number of -2.900 % Point for Jun 2018. United Kingdom Credit Cond: SL: N3: HH: DL: Hse Purchase: Buy-to-let Lending data is updated quarterly, averaging 1.150 % Point from Jun 2007 (Median) to Sep 2018, with 46 observations. The data reached an all-time high of 29.700 % Point in Dec 2015 and a record low of -30.900 % Point in Dec 2007. United Kingdom Credit Cond: SL: N3: HH: DL: Hse Purchase: Buy-to-let Lending data remains active status in CEIC and is reported by Bank of England. The data is categorized under Global Database’s United Kingdom – Table UK.KB017: Credit Conditions Survey: Secured Lending: Next 3 Months.

The data in this data set was provided by HM Treasury and details mortgage completions on properties supported by Help to Buy: mortgage guarantee completions, by local authority, England. The data set covers the period 8 October 2013 to 30 June 2014.

The Help to Buy: mortgage guarantee scheme opened on 8 October 2013 and is available across the United Kingdom. Under the scheme the government offers lenders the option to purchase a guarantee on mortgage loans where the borrower has a deposit of between 5% and 20%. The scheme can be used for mortgages on both new build and existing homes, by first time buyers, home movers and those remortgaging. In order to qualify for a loan supported by the Help to Buy: mortgage guarantee, there are a number of eligibility criteria which are set out in the scheme rules.

The guarantee compensates participating mortgage lenders for a portion of net losses suffered in the event of repossession. The guarantee applies down to 80% of the purchase value of the guaranteed property covering 95% of these net losses. The lender therefore retains a 5% risk in the portion of losses covered by the guarantee. This ensures that the lender retains some risk in every mortgage originated. For example, the scheme is not available on buy-to-let mortgages or second homes, and the property value must be £600,000 or less.

Over the life of the scheme the government will make available up to £12 billion of guarantees, which is sufficient to support up to £130 billion of high loan-to-value (LTV) mortgages.

For further information see
Help to Buy: mortgage guarantee scheme Quarterly Statistics.

The outlook for the residential mortgage market remained fairly neutral in 2019. Growth in gross mortgage lending is expected to be around 4.5% in 2020, which is broadly unchanged on 2019. During the forecast period (2019-23), gross advances are expected to record a compound annual growth rate of 5%, reaching £339bn. The supply side has been positively affected by the government’s schemes supporting first-time buyers, while stricter controls on buy-to-let lending will improve matters by reducing investor demand for properties. Read More

Business mortgages, or buy-to-let (BTL) mortgages, are a loan sold to property investors, rather than to people who want to purchase a home to live in. The number of BTL mortgage products in the UK hit ***** on May 31, 2022 and one month later, fell to *****. During the second quarter of 2022, mortgage lenders frequently changed their product ranges, as a result of the changes in the base rate of the Bank of England.

The majority of landlords with debt in the United Kingdom (UK) had a portfolio loan-to-value (LTV) ratio below ** percent as of the second quarter of 2023. The LTV of about ** percent of landlords was below ** percent, while ** percent reported an LTV between ** and ** percent.

Just a small share of mortgage applications by personal buy-to-let (BTL) mortgage borrowers in the United Kingdom was for the purpose of a property purchase between 2018 and 2022. In the second quarter of the year, 9.5 percent of mortgage applications were for the purchase of a new property, while the overwhelming share - 90.5 percent - was remortgaging applications. Conversely, limited companies had a higher share of purchase applications.

Business mortgages, or buy-to-let (BTL) mortgages, are a loan sold to property investors, rather than to people who want to purchase a home to live in. In the second quarter of 2022, most of mortgage loans were remortgages. Flats had the highest share of property purchases, with ** percent of purchase mortgages. In contrast, houses in multiple occupation (HMOs) had the lowest share of purchase loans at ** percent.

Business mortgages, or buy-to-let (BTL) mortgages, are a loan sold to property investors, rather than to people who want to purchase a home to live in. As of the second quarter of 2022, the loan-to-value (LTV) ratio of rental properties in the United Kingdom was between ** percent and ** percent, depending on the property type. Flats had the highest LTV ratio at ** percent, meaning that the amount of the loan for the purchase of a rental flat amounted to ** percent of the property value. In the same period, flats had the second-lowest average loan size from all property types.

Business mortgages, or buy-to-let (BTL) mortgages, are a loan sold to property investors, rather than to people who want to purchase a home to live in. Landlords can apply for a BTL mortgage either as an individual or as a Limited Company. As of the fourth quarter of 2019, the average loan amount of both completed and newly submitted applications by Limited Companies was lower than the average loan to individuals.

信用条件：SL：L3：贷款利差：购房出租贷款在09-01-2018达23.700百分点，相较于06-01-2018的36.200百分点有所下降。信用条件：SL：L3：贷款利差：购房出租贷款数据按季更新，06-01-2007至09-01-2018期间平均值为9.750百分点，共46份观测结果。该数据的历史最高值出现于03-01-2013，达46.300百分点，而历史最低值则出现于06-01-2008，为-66.400百分点。CEIC提供的信用条件：SL：L3：贷款利差：购房出租贷款数据处于定期更新的状态，数据来源于Bank of England，数据归类于全球数据库的英国 – 表 UK.KA033：信用条件调查：担保贷款：过去三个月。

Business mortgages, or buy-to-let (BTL) mortgages, are a loan sold to property investors, rather than to people who want to purchase a home to live in. In 2022, the five-year fixed mortgage interest rate for a BTL property in the United Kingdom was **** percent, which was an increase by **** percent compared to the same quarter of 2021. Conversely, the 10-year mortgage rate decreased from **** percent to *** percent. The vast majority of UK landlords had a fixed mortgage, with 5-year fix being the most popular mortgage term.