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.

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.

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.

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. .hidden { display: none }

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 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

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. 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 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. 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 Real Estate & Property Intelligence dataset offers a comprehensive, session-level view of user behavior and intent related to home buying, renting, and mortgage activities across the APAC region. Derived from privacy-safe, consented first-party mobile signals, it helps property portals, developers, mortgage lenders, and brokers understand where and when real estate interest is emerging.

🔍 What’s Inside • Home Buyer Intent Signals: Real-time detection from text, search, and app behavior (e.g., “2BHK in Bangalore,” “home loan eligibility”). • Property & Finance App Engagement: Usage insights from apps like 99acres, MagicBricks, HDFC Home Loans, and LIC Housing Finance. • Location Intelligence: Identify relocation intent, track migration patterns, and map high-demand micro-markets. • Lifestyle & Readiness Indicators: Interior design, baby care, or finance app usage signals life stage and purchase readiness. • Device Intelligence: Device brand and quality as a proxy for affluence and purchase power.

🏗️ Key Use Cases 🏡 1. Home Buyer Intent Detection Identify users actively searching for property, home loans, or interior solutions. Combine property and mortgage app usage for precise intent prediction.

📈 2. Lead Scoring & Qualification Estimate buyer budgets, credit eligibility, and readiness using device type, financial app engagement, and location patterns.

🗺️ 3. Geographic Market Intelligence Generate demand heatmaps by city or locality, understand price sensitivity, and plan new project launches based on migration trends.

🤝 4. Competitive Targeting Target users from competitor portals or brokers, and identify users who recently engaged with mortgage or home service apps.

🏢 5. Developer Insights Optimize project mix (1BHK, 2BHK, 3BHK) and amenities based on local preferences and lifestyle indicators.

💰 6. Mortgage Lead Generation Discover high-intent loan seekers combining real estate search and financial app usage for pre-qualification campaigns.

🏆 Competitive Advantages • Early Intent Detection: Capture housing and loan interest 30–90 days before portal activity. • Cross-Channel Insights: Combine property, finance, and lifestyle signals. • Geo-Level Granularity: City and neighborhood-level insights for project planning. • Buyer Readiness Scores: Measure life stage and purchasing capacity in real time. • Daily Refresh: Data updated every 24 hours for accuracy and recency.

🏭 Industries Served • Real Estate & Property Portals – Buyer intelligence, lead generation • Developers & Builders – Market demand forecasting, audience profiling • Mortgage Lenders & Banks – Loan intent scoring, pre-qualification • Home Services & Interior Brands – Cross-sell targeting • AdTech / Media Agencies – Property audience targeting and insights

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.

In 2023, houses in multiple occupation (HMO) and flats in multi-unit blocks saw the highest property yield in the United Kingdom. In the second quarter of the year, the rental yield of HMOs was *** 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.

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.

Common-Stock Time Series for OneSavings Bank PLC. OSB Group Plc, through its subsidiaries, operates as a specialist mortgage lending company in the United Kingdom and India. It operates through OneSavings Bank (OSB) and Charter Court Financial Services (CCFS) segments. The company offers buy-to-let, residential, bridging, commercial and semi-commercial, and complex but-to-let mortgages; and residential development and asset finance services. It also provides mortgage servicing, lending, deposit taking, originating, and administration and analytical services; land lease investment; and back-office processing services. The company sells its products and services under the Precise, Kent Reliance for Intermediaries, InterBay, InterBay Asset Finance, Heritable Development Finance, Charter Savings Bank, Kent Reliance, and osbIndia brands. OSB Group Plc was founded in 1840 and is headquartered in Chatham, the United Kingdom.

The number of mortgage possessions spiked in the first quarter of 2023, followed by ***** quarters of decline. Possession actions occur when a borrower fails to repay their loan on time and the lender takes possession of the property. In the fourth quarter of 2023, there were *** possessions of properties occupied by homeowners and *** possessions of buy-to-let properties.

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.

Scotland had the highest interest cover ratio for buy-to-let properties in the UK in the third quarter of 2024. The average interest cover ratio in Scotland amounted to *** percent, while in London, it was *** percent. This means that landlords in Scotland had a much higher monthly rental income to total interest expenses on their outstanding mortgage than in London.

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.

The 10 largest mortgage lenders in the United Kingdom accounted for approximately 83 percent of the total market, with the top three alone accounting for 48 percent in 2024. Lloyds Banking Group had the largest market share of gross mortgage lending, with nearly 47 billion British pounds in lending in 2024. HSBC, which is the largest UK bank by total assets, ranked fifth. Development of the mortgage market In 2024, 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 2024, 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.