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 656.8 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. As of the fourth quarter of 2019, the majority of landlords who took a BTL mortgage loan chose a fixed rate, with more than two in three mortgagers opting for a five 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. In the second quarter of 2022, most of mortgage loans were remortgages. Flats had the highest share of property purchases, with 44 percent of purchase mortgages. In contrast, houses in multiple occupation (HMOs) had the lowest share of purchase loans at 16 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 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. 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.

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 3.47 percent, which was an increase by 0.27 percent compared to the same quarter of 2021. Conversely, the 10-year mortgage rate decreased from 3.81 percent to 3.7 percent. The vast majority of UK landlords had a fixed mortgage, with 5-year fix being the most popular mortgage term.

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...

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Real Estate Market Size 2025-2029

The real estate market size is forecast to increase by USD 1,258.6 billion at a CAGR of 5.6% between 2024 and 2029.

The market is experiencing significant shifts and innovations, with both residential and commercial sectors adapting to new trends and challenges. In the commercial realm, e-commerce growth is driving the demand for logistics and distribution centers, while virtual reality technology is revolutionizing property viewings. Europe's commercial real estate sector is witnessing a rise in smart city development, incorporating LED lighting and data centers to enhance sustainability and efficiency. In the residential sector, wellness real estate is gaining popularity, focusing on health and well-being. Real estate software and advertising services are essential tools for asset management, streamlining operations, and reaching potential buyers. Regulatory uncertainty remains a challenge, but innovation in construction technologies, such as generators and renewable energy solutions, is helping mitigate risks.

What will be the Size of the Real Estate Market During the Forecast Period?

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The market continues to exhibit strong activity, driven by rising population growth and increasing demand for personal household space. Both residential and commercial sectors have experienced a rebound in home sales and leasing activity. The trend towards live-streaming rooms and remote work has further fueled demand for housing and commercial real estate. Economic conditions and local market dynamics influence the direction of the market, with interest rates playing a significant role in investment decisions. Fully furnished, semi-furnished, and unfurnished properties, as well as rental properties, remain popular options for buyers and tenants. Offline transactions continue to dominate, but online transactions are gaining traction.
The market encompasses a diverse range of assets, including land, improvements, buildings, fixtures, roads, structures, utility systems, and undeveloped property. Vacant land and undeveloped property present opportunities for investors, while the construction and development of new housing and commercial projects contribute to the market's overall growth.

How is this Real Estate Industry segmented and which is the largest segment?

The industry 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.

Type

  Residential
  Commercial
  Industrial


Business Segment

  Rental
  Sales


Manufacturing Type

  New construction
  Renovation and redevelopment
  Land development


Geography

  APAC

    China
    India
    Japan
    South Korea


  North America

    Canada
    US


  Europe

    Germany
    UK


  South America

    Brazil


  Middle East and Africa

By Type Insights

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

The market encompasses the buying and selling of properties designed for dwelling purposes, including buildings, single-family homes, apartments, townhouses, and more. Factors fueling growth in this sector include the increasing homeownership rate among millennials and urbanization trends. The Asia Pacific region, specifically China, dominates the market due to escalating homeownership rates. In India, the demand for affordable housing is a major driver, with initiatives like Pradhan Mantri Awas Yojana (PMAY) spurring the development of affordable housing projects catering to the needs of lower and middle-income groups. The commercial real estate segment, consisting of office buildings, shopping malls, hotels, and other commercial properties, is also experiencing growth.

Furthermore, economic and local market conditions, interest rates, and investment opportunities in fully furnished, semi-furnished, unfurnished properties, and rental properties influence the market dynamics. Technological integration, infrastructure development, and construction projects further shape the real estate landscape. Key sectors like transportation, logistics, agriculture, and the e-commerce sector also impact the market.

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The Residential segment was valued at USD 1440.30 billion in 2019 and showed a gradual increase during the forecast period.

Regional Analysis

APAC is estimated to contribute 64% to the growth of the global market during the forecast period.

Technavio's analysts have elaborately explained the regional trends and drivers that shape the market during the forecast period.

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The Asia Pacific region holds the largest share of The market, dr

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 62 percent and 68 percent, depending on the property type. Flats had the highest LTV ratio at 68 percent, meaning that the amount of the loan for the purchase of a rental flat amounted to 68 percent of the property value. In the same period, flats had the second-lowest average loan size from all property types.

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 25,500 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 22 percent. In the second quarter of 2018, Rotterdam had a rent of approximately 15.85 euros per square meter. This was less than the national average of approximately 15.82 euros per square meters. Amsterdam, however, was more expensive.

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.

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. 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, 42 percent of BTL mortgage products were percentage based.

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 17 percent reported a large profit, while 70 percent were profitable, but considered the return on investment small. Meanwhile, four percent were at loss.

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.

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.

The majority of landlords with debt in the United Kingdom (UK) had a portfolio loan-to-value (LTV) ratio below 59 percent as of the second quarter of 2023. The LTV of about 36 percent of landlords was below 39 percent, while 36 percent reported an LTV between 40 and 59 percent.

When choosing new properties to invest in, potential for rental yield was the most considered factor by 77 percent of landlords in the United Kingdom (UK) in the last quarter of 2020. Ranking second was the potential for adding value that was considered by 59 percent of landlords. Among the other highly ranking key attributes were proximity to public transport, suitability for couples, suitability for families, and overall capital gains potential, all of which were considered by at least 40 percent of landlords. These key attributes influence the plans of landlords to buy and sell properties from their portfolio.

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 2,650 on May 31, 2022 and one month later, fell to 2,294. 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.