Buy-to-Let & Landlord News Round-Up | Sept 22, 2025

Welcome to our weekly digest of the latest developments in the UK buy-to-let market and landlord sector. Here’s what you need to know this week:

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Mortgage Rates Ease – More Choice for Landlords

Buy-to-let mortgage rates have fallen to their lowest levels since 2022, offering welcome relief for landlords.

• Two-year fixed rates are now averaging 4.88%, while five-year fixes sit around 5.21%.

• Product choice has also surged, with nearly 4,600 BTL mortgage deals currently on the market – giving landlords significantly more flexibility.

For those re-mortgaging or expanding portfolios, this is a good time to review your options.

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Renters’ Rights Bill Moves Closer to Law

The Renters’ Rights Bill continues its progress through Parliament and could receive Royal Assent this autumn. Key proposals include:

• Abolition of Section 21 ‘no-fault’ evictions.

• A shift to rolling periodic tenancies instead of fixed-term agreements.

• Stronger rules around property standards and faster response times for hazards.

• Clearer controls on rent increases, limiting them to once per year with stricter notice requirements.

Landlords should begin preparing for compliance and considering how these changes will affect tenancy management.

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Landlord Sell-Off Gathering Pace

Survey data suggests 39% of landlords are considering leaving the market in the next 12 months.

• Rising compliance costs, new regulations, and tax changes are driving many smaller landlords to sell up.

• Forecasts suggest nearly 100,000 landlords could exit the sector this year alone.

While this may reduce rental supply, it could also present acquisition opportunities for well-prepared landlords.

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Capital Gains Tax – A Key Consideration for Sellers

With many landlords exploring exit strategies, Capital Gains Tax (CGT) is firmly in the spotlight.

• Current rates: 18% for gains within the basic rate band, 24% for gains above.

• The Annual Exempt Amount remains £3,000 per individual.

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Timing matters: whether contracts exchange before or after 5 April can affect which tax year applies.

Landlords should also be clear on what costs qualify as deductible (repairs vs improvements) when planning sales.

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What This Means for Landlords

• Falling mortgage rates create breathing space and possible opportunities to refinance.

• Regulatory reform is set to reshape landlord obligations – planning ahead will avoid compliance headaches.

• Those considering exiting should weigh up CGT implications carefully and seek professional advice.

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✅ Tip for Let Correct landlords: If you’re considering your next steps – whether refinancing, growing your portfolio, or preparing for exit – now is the time to review your position and plan ahead.

Contact your local Lettings Specialist to discuss any of these topics in more detail.