A recent report by specialist lender Together indicates that over three-quarters of landlords are considering refinancing their existing portfolios to finance additional buy-to-let investments in the coming year. The research found that 76% of landlords are likely to refinance within the next 12 months to release capital for further property acquisitions.
Of those surveyed, 36% stated they were 'very likely' to refinance, while another 40% were 'somewhat likely'. Only 12% said they were unlikely to do so, with the remaining respondents neutral.
This trend comes as landlords adapt to regulatory changes, including the Renters’ Rights Act, and seek to expand their holdings using equity built up in current properties. Russell Anderson, Together's chief strategy officer, noted that this demonstrates the resilience of the UK buy-to-let sector, with many investors looking to reinvest and expand their property ambitions.
Funding data shows a clear concentration of activity in northern regions of England, such as the North West, Yorkshire, and the North East, as well as Scotland. Together's buy-to-let lending figures reveal that the North West's share of funding increased by 3.3 percentage points between 2020 and 2025, Scotland by two points, and Yorkshire and the Humber by 1.1 points. In contrast, Greater London and the South East's share of the lender's buy-to-let funding decreased from 23.6% in 2020 to 20% in 2025. The company attributes this regional shift to landlords seeking stronger yields in areas with lower property prices and potential for capital growth.