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.

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, multi-unit freehold blocks (MUFB) saw the highest average property value at over ***** thousand British pounds.

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.

Zillow Properties Listing dataset to access detailed real estate listings, including property prices, locations, and features. Popular use cases include market analysis, property valuation, and investment decision-making in the real estate sector.

Use our Zillow Properties Listing Information dataset to access detailed real estate listings, including property features, pricing trends, and location insights. This dataset is perfect for real estate agents, investors, market analysts, and property developers looking to analyze housing markets, identify investment opportunities, and assess property values.

Leverage this dataset to track pricing patterns, compare property features, and forecast market trends across different regions. Whether you're evaluating investment prospects or optimizing property listings, the Zillow Properties dataset offers essential information for making data-driven real estate decisions.

Dataset Features

• zpid: Unique property identifier assigned by Zillow.
• city: The name of the city where the property is located.
• state: The state in which the property is located.
• homeStatus: Indicates the current status of the property
• address: The full address of the property, including street, city, and state.
• isListingClaimedByCurrentSignedInUser: This field shows if the current Zillow user has claimed ownership of the listing.
• isCurrentSignedInAgentResponsible: This field indicates whether the currently signed-in real estate agent is responsible for the listing.
• bedrooms: Number of bedrooms in the property.
• bathrooms: Number of bathrooms in the property.
• price: Current asking price of the property.
• yearBuilt: The year the home was originally constructed.
• streetAddress: Specific street address (usually excludes city/state/zip).
• zipcode: The postal ZIP code of the property.
• isCurrentSignedInUserVerifiedOwner: This field indicates if the signed-in user has verified ownership of the property on Zillow.
• isVerifiedClaimedByCurrentSignedInUser: Indicates whether the user has claimed and verified the listing as the current owner.
• listingDataSource: The original source of the listing. Important for data lineage and trustworthiness.
• longitude: The longitudinal geographic coordinate of the property.
• latitude: The latitudinal geographic coordinate of the property.
• hasBadGeocode: This indicates whether the geolocation data is incorrect or problematic.
• streetViewMetadataUrlMediaWallLatLong: A URL or reference to the Street View media wall based on latitude and longitude.
• streetViewMetadataUrlMediaWallAddress: A similar URL reference to the Street View, but based on the property’s address.
• streetViewServiceUrl: The base URL to Google Street View or similar services. Enables interactive visuals of the property’s surroundings.
• livingArea: Total internal living area of the home, typically in square feet.
• homeType: The category/type of the home.
• lotSize: The size of the entire lot or land the home is situated on.
• lotAreaValue: The numerical value representing the lot area is usually tied to a measurement unit.
• lotAreaUnits: Units in which the lot area is measured (e.g., sqft, acres).
• livingAreaValue: The numeric value of the property's interior living space.
• livingAreaUnitsShort: Abbreviated unit for living area (e.g., sqft), useful for compact displays.
• isUndisclosedAddress: Boolean indicating if the full property address is hidden, typically used for privacy reasons.
• zestimate: Zillow’s estimated market value of the home, generated via its proprietary model.
• rentZestimate: Zillow’s estimated rental price per month, is helpful for rental market analysis.
• currency: Currency used for price, Zestimate, and rent estimate (e.g., USD).
• hideZestimate: Indicates whether the Zestimate is hidden from public view.
• dateSoldString: The date when the property was last sold, in string format (e.g., 2022-06-15).
• taxAssessedValue: The most recent assessed value of the property for tax purposes.
• taxAssessedYear: The year in which the property was last assessed.
• country: The country where the property is located.
• propertyTaxRate: The most recent tax rate.
• photocount: This column provides a photo count of the property.
• isPremierBuilder: Boolean indicating whether the builder is listed as a premier (trusted) builder on Zillow.
• isZillowOwned: Indicates whether the property is owned or managed directly by Zillow.
• ssid: A unique internal Zillow identifier for the listing (not to be confused with network SSID).
• hdpUrl: URL to the home’s detail page on Zillow (Home Details Page).
• tourViewCount: Number of times users have viewed the property tour.
• hasPublicVideo: This

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.

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.

Our extensive database contains approximately 800,000 active rental property listings from across the United States. Updated daily, this comprehensive collection provides real estate professionals, investors, and property managers with valuable market intelligence and business opportunities. Database Contents

Property Addresses: Complete location data including street address, city, state, ZIP code Listing Dates: Original listing date and most recent update date Availability Status: Currently available, pending, or recently rented properties Geographic Coverage: Properties spanning all 50 states and major metropolitan areas

Applications & Uses

Market Analysis: Track rental pricing trends across different regions and property types Investment Research: Identify high-opportunity markets with favorable rental conditions Lead Generation: Connect with property owners potentially needing management services Competitive Intelligence: Monitor listing volumes, vacancy rates, and market saturation Business Development: Target specific neighborhoods or property categories for expansion

File Format & Delivery

Organized in easy-to-use CSV format for seamless integration with data analysis tools Accessible through secure download portal or API connection Daily updates ensure you're working with the most current market information Custom filtering options available to narrow results by location, date range, or other criteria

Data Quality

Rigorous validation processes to ensure address accuracy Duplicate listing detection and removal Regular verification of active status Standardized format for consistent analysis

Subscription Benefits

Access to historical listing archives for trend analysis Advanced search capabilities to target specific property characteristics Regular market reports summarizing key trends and opportunities Custom data exports tailored to your specific business needs

AK ~ 1,342 listings AL ~ 6,636 listings AR ~ 4,024 listings AZ ~ 25,782 listings CA ~ 102,833 listings CO ~ 14,333 listings CT ~ 10,515 listings DC ~ 1,988 listings DE ~ 1,528 listings FL ~ 152,258 listings GA ~ 28,248 listings HI ~ 3,447 listings IA ~ 4,557 listings ID ~ 3,426 listings IL ~ 42,642 listings IN ~ 8,634 listings KS ~ 3,263 listings KY ~ 5,166 listings LA ~ 11,522 listings MA ~ 53,624 listings MD ~ 12,124 listings ME ~ 1,754 listings MI ~ 12,040 listings MN ~ 7,242 listings MO ~ 10,766 listings MS ~ 2,633 listings MT ~ 1,953 listings NC ~ 22,708 listings ND ~ 1,268 listings NE ~ 1,847 listings NH ~ 2,672 listings NJ ~ 31,286 listings NM ~ 2,084 listings NV ~ 13,111 listings NY ~ 94,790 listings OH ~ 15,843 listings OK ~ 5,676 listings OR ~ 8,086 listings PA ~ 37,701 listings RI ~ 4,345 listings SC ~ 8,018 listings SD ~ 1,018 listings TN ~ 15,983 listings TX ~ 132,620 listings UT ~ 3,798 listings VA ~ 14,087 listings VT ~ 946 listings WA ~ 15,039 listings WI ~ 7,393 listings WV ~ 1,681 listings WY ~ 730 listings

Grand Total ~ 977,010 listings

As per Cognitive Market Research's latest published report,The Europe Landlord Insurance market size will be $27,770.62 Million by 2028.The Europe Landlord Insurance Industry's Compound Annual Growth Rate will be 7.94% from 2023 to 2030. What is Driving Landlord Insurance Industry Growth?

Rising demand of rental properties

It is said that the best investment is a land investment. Population across the globe follows these proverbs and invest their saving in buying homes. The housing process in European countries were observed at its peak which were derived by the large investors. The institutional investors including private equity and pension funds has raise the houses prices in the European countries. The volume of purchases in Europe hit €64bn (£53bn) in 2020, with about €150bn value of housing stock conservatively estimated to be in the hands of such large investors. According to Preqin private database of investors, Berlin, with €40bn worth of housing assets in institutional portfolios is at top followed by London, Amsterdam, Paris and Vienna.

The data from Berlin’s Free University states that the Europe’s housing has become increasingly attractive asset class for investors owing to near-zero interest rates and cheering regulatory outlines. The data from European central bank shows that the real estate funds in the Eurozone reached €1tn in 2021 in which residential assets are consider as progressively central part. The institutional investors’ residential transactions between 2012 and 2021 was increased in Germany, Denmark followed by Netherlands.

Significant occupancy of residential and commercial properties by institutional investors led to the undersupply of housing across the continent and results in the increasing rental rates. Owing to the chronic undersupply of housing in several European countries, the population of the tenants increases which simultaneously increases the demand of rental properties in Europe. Moreover, the capability of population to purchase house is also decreasing with the increasing annual house prices. The data shows a surge in rents by 16.0 % and house prices by 38.7 % from 2010 to third quarter of 2021 in Europe. The rent and houses price in Europe has increased by 1.2 % and 9.2 % respectively from third quarter of 2021 to third quarter of 2020.

Landlord insurance is applicable to rental properties only. Hence, with the increasing demand of rental properties in Europe is driving the growth of landlord insurance market.

Increase in natural disasters is propelling market growth

Restraint of the Europe Landlord Insurance Market

Inadequate information related to landlord insurance policies.(Access Detailed Analysis in the Full Report Version)

Opportunities of the Europe Landlord Insurance Market

Introduction of new technologies in insurance industry.(Access Detailed Analysis in the Full Report Version)

What is Landlord Insurance?

Landlord Insurance is a sort of homeowner's insurance that protects homeowners against financial losses associated with rental properties. This insurance includes coverage for fire and other dangers, as well as theft and intentional damage.

Several European nations are quickly implementing landlord insurance for their buildings. Property and liability protection are two forms of coverage that are commonly included in insurance policies. Both insurance policies are designed to protect both the landlord and the renters from financial losses.

Damage to property, income replacement, liability insurance, and add-on coverage are all covered by landlord insurance. It assists clients in protecting themselves from financial losses caused by natural catastrophes, injuries, accidents, and other liability concerns.

It also provides payment for lost rent, repairs, and property replacement that are covered by landlord insurance.

Landlord liability insurance, landlord buildings insurance, landlord contents insurance, loss of rent insurance, tenant default insurance, accidental damage insurance, alternative accommodation insurance, unoccupied property insurance, and legal expenses insurance are among the various types of landlord insurance.

In Europe, several online and offline landlord insurance businesses offer solutions for both residential and commercial properties. This landlord insurance migh...

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.

Real Estate Market size was valued at USD 79.7 Trillion in 2024 and is projected to reach USD 103.6 Trillion by 2031, growing at a CAGR of 5.1% during the forecasted period 2024 to 2031

Global Real Estate Market Drivers

Population Growth and Urbanization: In order to meet the demands of businesses, housing needs, and infrastructure development, there is a constant need for residential and commercial properties as populations and urban areas rise.

Low Interest Rates: By making borrowing more accessible, low interest rates encourage both individuals and businesses to make real estate investments. Reduced borrowing costs result in reduced mortgage rates, opening up homeownership and encouraging real estate investments and purchases.

Economic Growth: A thriving real estate market is a result of positive economic growth indicators like GDP growth, rising incomes, and low unemployment rates. Robust economies establish advantageous circumstances for real estate investment, growth, and customer assurance in the housing sector. Job growth and income increases: As more people look for rental or purchase close to their places of employment, housing demand is influenced by these factors. The housing market is driven by employment opportunities and rising salaries, which in turn drive home buying, renting, and property investment activity. Infrastructure Development: The demand and property values in the surrounding areas can be greatly impacted by investments made in infrastructure projects such as public facilities, utilities, and transportation networks. Accessibility, convenience, and beauty are all improved by improved infrastructure, which encourages real estate development and investment.

Government Policies and Incentives: Tax breaks, subsidies, and first-time homebuyer programs are a few examples of government policies and incentives that can boost the real estate market and homeownership. Market stability and growth are facilitated by regulatory actions that promote affordable housing, urban redevelopment, and real estate development.

Foreign Investment: Foreign capital can be used to stimulate demand, diversify property portfolios, and pump capital into the real estate market through direct property purchases or real estate investment funds. Foreign investors are drawn to the local real estate markets by favorable exchange rates, stable political environments, and appealing returns.

Demographic Trends: Shifting demographic trends affect housing preferences and demand for various property kinds. These trends include aging populations, household formation rates, and migration patterns. It is easier for real estate developers and investors to match supply with changing market demand when they are aware of demographic fluctuations.

Technological Innovations: New technologies that are revolutionizing the marketing, transactions, and management of properties include digital platforms, data analytics, and virtual reality applications. In the real estate industry, technology adoption increases market reach, boosts customer experiences, and increases operational efficiency.

Environmental Sustainability: Decisions about real estate development and investment are influenced by the growing knowledge of environmental sustainability and green building techniques. Market activity in environmentally aware real estate categories is driven by demand for eco-friendly neighborhoods, sustainable design elements, and energy-efficient buildings.

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.

The global residential mortgage service market is a dynamic sector experiencing substantial growth, driven by factors such as increasing urbanization, rising disposable incomes, and favorable government policies promoting homeownership. The market is segmented by application (first-time buyer, homeowner, remortgager, large loan borrower, shared owner, let-to-buy, others) and type of service (purchase, refinance, others). While precise market size figures are unavailable, a reasonable estimation based on available data and global market trends suggests a 2025 market value of approximately $2 trillion USD, with a compound annual growth rate (CAGR) of 5% projected through 2033. This growth is fueled by the increasing demand for mortgages, particularly among first-time homebuyers and those seeking refinancing options to leverage low-interest rates or consolidate debt. Technological advancements, such as online mortgage applications and automated underwriting processes, are streamlining the process and driving efficiency for service providers. However, fluctuating interest rates, economic downturns, and stringent regulatory frameworks pose challenges to market expansion. Competition among established players like Accenture, Residential Mortgage Services, and others is intense, prompting innovation and a focus on customer experience to gain market share. Regional variations exist, with North America and Europe anticipated to dominate the market due to established housing markets and robust financial systems, while emerging economies in Asia-Pacific show significant growth potential. The diverse range of mortgage services, catering to various borrower needs and risk profiles, ensures continuous market evolution. Growth strategies employed by key players involve strategic partnerships, technological investments, and geographic expansion. The increasing penetration of digital mortgage platforms is shaping customer expectations for convenience and transparency, forcing companies to adopt robust online solutions. Regulatory compliance remains a critical concern, requiring ongoing investment in risk management and compliance infrastructure. Furthermore, the growing adoption of sustainable home financing initiatives presents opportunities for environmentally conscious mortgage services to gain traction. The long-term outlook for the residential mortgage service market remains positive, fueled by demographic changes, economic development, and the continuous innovation within the financial technology (FinTech) sector.

The information presented here is collected via annual returns from Welsh social landlords on stock held by local authorities and registered social landlords (RSLs) as at 31 March each year and the associated average rents charged set on the same date for the following year. Stock The stock estimates in this dataset includes all stock owned, whether Welsh Government funded or otherwise as at 31 March each year, on which social rents are charged. It includes permanent and temporary stock. This dataset excludes: • properties that are charged at anything other than social rents, including those charged at intermediate or market rents, and intermediate tenures (for example shared ownership properties); • all non-residential properties; • dwellings leased to temporarily house the homeless; • any dwellings that are managed as a social lettings agency; • properties where the social landlord has sold the leasehold through right to buy but retains the freehold; and • RSL investment properties. The data were collected via the annual WHO15 returns from local authorities and annual RSL1 returns from RSLs up to 2008-09, but have since been collected via the Welsh Government Social Landlord Stock and Rents data collection. The proportion of social housing stock managed by RSLs will have been influenced by the large scale voluntary transfers of local authority stock. For further information please see the Quality Information in the accompanying Statistical Release (see weblinks). Within self-contained dwellings, the accommodation types include general needs, sheltered, other supported and extra care housing, and data are available on this basis back to 2008-09. During the 2012-13 data collection, the data collected for non self-contained dwellings were also broken down into the same accommodation types. Prior to that, non self-contained data were only collected as a total across all accommodation types. Stock figures will differ from dwelling stock estimates published, which assume that three bedspaces of a non-self contained unit is equivalent to one dwelling. Maisonettes are categorised as flats, whilst bungalows are categorised as houses. Data for English registered RSLs with stock in Wales is excluded. Rents This data presents information on the average weekly rents for wholly rented local authority and RSL dwellings set at the 31 March each year for the following financial year. The data were collected via the annual WHO15 returns from local authorities and annual RSL1 returns from RSLs up to 2008-09, but have since been collected via the Welsh Government Social Landlord Stock and Rents data collection. Rents are shown as at 31 March for the following financial year. If a local authority transfers its stock to a new RSL during the year, the rents are shown for the local authority for the whole of that year. In this dataset, the rents will move to the new RSL from the following 31 March. A list of the large scale voluntary transfers of local authority stock and dates of transfer can be found in the Quality Information in the accompanying Statistical Release (see weblinks). The average weekly rent is the average of the standard rent chargeable, before deduction for rent allowances and also excludes service charges or other charges for amenities (e.g. central heating, hot water supply or laundries) and water rates. Rents are based on a 52 week year. If rent free weeks are given the total amount payable is divided by 52. Properties of unusual size are assigned to the closest available category. Maisonettes are categorised as flats, whilst bungalows are classed as houses. The data includes secure as well as assured tenancies. Within self-contained dwellings, the accommodation types include general needs, sheltered, other supported and extra care housing, and data are available on this basis back to 2008-09. Rent data for non self-contained dwellings was collected for the first in 2012-13 and is broken down by the same accommodation types as self contained. Prior to 2012-13 no rent data is available for non-self contained dwellings.

The majority of buy-to-let landlords in the UK generated a profit, according to a survey conducted in the third quarter of 2024. Approximately ** percent reported a large profit, while ** percent were profitable, but considered the return on investment small. Meanwhile, **** percent were at loss.

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Singapore Real Estate Market Size 2025-2029

The singapore real estate market size is forecast to increase by USD 62.6 billion at a CAGR of 4.6% between 2024 and 2029.

The market is witnessing significant growth, driven primarily by the burgeoning demand for industrial infrastructure. This trend is fueled by the country's status as a global business hub, attracting numerous multinational corporations seeking to establish a presence. Concurrently, marketing initiatives in the real estate industry are gaining momentum, with developers increasingly adopting innovative strategies to differentiate their offerings and cater to diverse customer segments. However, this market landscape is not without challenges. Regulatory uncertainty looms large, with ongoing debates surrounding potential changes to property cooling measures and land use regulations. These uncertainties could deter investors and developers, potentially hindering market growth. As such, navigating the complex regulatory environment and staying abreast of policy developments will be crucial for companies looking to capitalize on opportunities and mitigate risks in the Singapore Real Estate market.

What will be the size of the Singapore Real Estate Market during the forecast period?

Explore in-depth regional segment analysis with market size data - historical 2019-2023 and forecasts 2025-2029 - in the full report.
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The Singapore real estate market exhibits dynamic activity in various sectors. The sub-sale market experiences continuous fluctuations, influenced by property valuation models and market forecasting. Property law plays a crucial role in real estate financing and collective sales, including en bloc and strata title transactions. Property investment funds and real estate syndication provide financing options for freehold and leasehold properties. Real estate litigation arises from property disputes, necessitating ethical conduct in property management services. Proptech adoption streamlines property search engines and portfolio management, while property tax incentives stimulate investment. Rental management services and property insurance mitigate risks in the diverse real estate landscape. Property market trends encompass master plans, property crowdfunding, and real estate marketing strategies.

How is this market segmented?

The market research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD billion' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments. AreaResidentialCommercialIndustrialMode Of BookingSalesRental and leaseTypeLanded houses and villasOffice spaceApartments and condominiumsStore spaceOthersPriceMid-tierEntry-levelLuxuryGeographyAPACSingapore

By Area Insights

The residential segment is estimated to witness significant growth during the forecast period.

The Singapore real estate market encompasses various sectors, including residential, commercial, and industrial properties. The residential segment, comprised of apartments, condominiums, single-family homes, and other living arrangements, experiences significant demand due to population growth and the country's robust economy. Urban renewal projects and sustainable development initiatives contribute to the transformation of the property market. Commercial real estate, including office buildings and retail spaces, benefit from the thriving economy and increasing business activities. Property management companies employ technology, such as virtual and augmented reality, to enhance the property buying and selling experience. Real estate investment trusts and funds provide opportunities for investors seeking capital appreciation and rental income. Property prices have been on an upward trend due to high demand and limited supply, with vacancy rates remaining relatively low. Property taxes, stamp duty, and government policies influence the market dynamics. Urban planning and infrastructure development are essential for economic growth and smart city initiatives. Real estate developers and proptech startups leverage technology, including artificial intelligence and big data, to streamline property transactions and enhance property management. The rental market, property valuation, and property development are shaped by various factors, including rental yield, housing affordability, and market sentiment. Land use planning and regulations play a crucial role in shaping the real estate landscape. Capital appreciation and rental income continue to attract investors to the market, with mortgage rates influencing affordability. Smart home technologies and green building standards add value to both residential and commercial properties.

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The Residential segment was valued at USD 100.30 billion in 2019 and showed a gradual increa

About half of mortgage applications by buy-to-let (BTL) limited companies in the United Kingdom was for the purpose of a property purchase in the second quarter of 2022. This share peaked in the third quarter of 2020, when 72 percent of mortgage applications were for the purchase of a property. Individual buy-to-let borrowers, on the other hand, had a significantly higher share of refinance applications throughout the same period.

This statistic shows the market share of buy-to-let (BTL) property sales in the four biggest cities of the Netherlands, namely Amsterdam, Rotterdam, The Hague and Utrecht, in 2017. Buy-to-let is a British term referring to private investors who purchase property (excluding holiday homes) so they can rent it out. In essence, it's a type of investment from the landlord.

The source states that since 2015 the buy-to-let market accelerated in the Netherlands with the number of buy-to-let mortgages reaching ****** in 2017. Interest is mostly focusing on the four big cities, with Rotterdam the stand-out buy-to-let city with a market share of approximately ** percent. In the second quarter of 2018, Rotterdam had a rent of approximately ***** euros per square meter. This was less than the national average of approximately ***** euros per square meters. Amsterdam, however, was more expensive.

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.

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. While flat, or fixed fees, are usually applied to vanilla products (standard BTL transactions of normal two to three bedroom houses or one to two bedroom flats), percentage-based lending is focused on landlords with non-standard properties and more complex borrowing needs. As of the fourth quarter of 2019, ** percent of BTL mortgage products were percentage based.

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. While flat, or fixed fees, are usually applied to vanilla products (standard BTL transactions of normal two to three bedroom houses or one to two bedroom flats), percentage-based lending is focused on landlords with non-standard properties and more complex borrowing needs. As of the fourth quarter of 2019, the average flat rate fee was 1,460 British pounds. More than one third of mortgage products had a flat rate fee.