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 nine billion British pounds, while remortgage originations totaled 11 billion British pounds. By 2026, mortgage lending for purchases was forecast to remain stable, while remortgage lending was expected to rise to 28 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 two in three mortgagers opting for a five year fixed rate term.

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 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 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.

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

In 2023, the buy-to-let gross lending amounted to approximately 30 billion British pounds, with the 15 largest lenders accounting for about 23.7 billion British pounds. Nationwide BS topped the list for mortgage lending in the UK with approximately 3.13 billion British pounds. Lloyds Banking Group and NatWest Group finished the top three mortgage lenders with three billion and 2.6 billion British pounds in gross lending respectively.

Since 2015, the gap between the cost of buying a home and renting has grown, with homeownership becoming increasingly less affordable. In the third quarter of 2024, the house price to rent ratio in the UK stood at 114.6. That meant that house price growth has outpaced rental growth by nearly 15 percent between 2015 and 2024. The UK's house price to rent ratio was slightly below the average Euro area ratio. House price to income ratio in the UK Another indicator for housing affordability is the house price to income ratio, which is calculated by dividing nominal house prices by the nominal disposable income per head. The ratio saw an overall increase between 2015, which was tthe base year, and 2022. After that, the index declined, but remained close to the average for the Euro area. Is it more affordable to rent or buy? There are many things to be considered when comparing buying to renting, such as the ability to qualify for a mortgage and whether prospective homebuyers have sufficient savings for a deposit. Generally, purchasing a home is more affordable than renting one. However, the average monthly savings first-time buyers can achieve have been on the decline. In East of England, where house prices have increased rapidly over the past few years, it was cheaper to rent than to buy in 2022.

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.

This dataset provides values for PRICE TO RENT RATIO reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

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. 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.

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.

United Kingdom Credit Cond: SL: L3: Lending Spreads: Buy-to-let Lending data was reported at 23.700 % Point in Sep 2018. This records a decrease from the previous number of 36.200 % Point for Jun 2018. United Kingdom Credit Cond: SL: L3: Lending Spreads: Buy-to-let Lending data is updated quarterly, averaging 9.750 % Point from Jun 2007 (Median) to Sep 2018, with 46 observations. The data reached an all-time high of 46.300 % Point in Mar 2013 and a record low of -66.400 % Point in Jun 2008. United Kingdom Credit Cond: SL: L3: 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 United Kingdom – Table UK.KB016: Credit Conditions Survey: Secured Lending: Last 3 Months.

Tenant Screening Services Market size was valued at USD 1.5 Billion in 2023 and is projected to reach USD 2.7 Billion by 2031, growing at a CAGR of 9.3% during the forecasted period 2024 to 2031.

Global Tenant Screening Services Market Drivers

The market drivers for the Tenant Screening Services Market can be influenced by various factors. These may include:

Increasing Rental Demand: As more people choose to rent rather than buy homes, the demand for tenant screening services has risen, helping landlords find reliable tenants.

Regulatory Compliance: Landlords are required to adhere to fair housing laws and regulations. Tenant screening services help ensure compliance, reducing legal risks.

Technological Advancements: Innovations in data analytics, artificial intelligence, and online platforms have made tenant screening faster and more efficient, attracting more landlords to utilize these services.

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 average agreed rent for new tenancies in the UK ranged from 665 British pounds to 2,100 British pounds, depending on the region. On average, renters outside of London paid 1,095 British pounds, whereas in London, this figure amounted to 2,025 British pounds. Rents have been on the rise for many years, but the period after the COVID-19 pandemic accelerated this trend. Since 2015, the average rent in the UK increased by about 25 percent, with about half of that gain achieved in the period after the pandemic. Why have UK rents increased so much? One of the main reasons driving up rental prices is the declining affordability of homeownership. Historically, house prices grew faster than rents, making renting more financially feasible than buying. In 2022, when the house price to rent ratio index peaked, house prices had outgrown rents by nearly 30 percent since 2015. As house prices peaked in 2022, home buying slowed, exacerbating demand for rental properties and leading to soaring rental prices. How expensive is too expensive? Although there is no official requirement about the proportion of income spent on rent for it to be considered affordable, a popular rule is that rent should not exceed more than 30 percent of income. In 2024, most renters in the UK exceeded that threshold, with the southern regions significantly more likely to spend upward of 30 percent of their income on rent. Rental affordability has sparked a move away from the capital to other regions in the UK, such as the South East (Brighton and Southampton), the West Midlands (Birmingham) and the North West (Liverpool, Manchester, Blackpool and Preston).

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.