At Connect for Intermediaries, we see these changes daily through our network of landlords and brokers. As our CEO, Liz Syms says:

“It is a time of great change. Advisers who understand market dynamics can help landlords manage complexity and succeed.”

 Buy-to-let Watch Episode 12 | Opportunities Amid Challenges

Recent figures from the National Residential Landlords Association show an average of 21 prospective tenants per property. Planned government measures, such as updates to the National Planning Policy Framework and local authority housebuilding plans, will take time to impact supply.

As Liz notes:

“Demand for rental property is high. With limited supply, rental values should remain strong, helping landlords manage rising costs.”

The new stamp duty surcharge from the latest Budget adds more expense for landlords wishing to grow portfolios. Liz explains:

“The market is becoming dominated by professional landlords. They will plan for costs like the surcharge, but this reflects the government’s intent to moderate growth.”

Buy-to-let Watch Episode 12 | A More Professional, Stable Sector

New regulations—from EPC requirements to the Renters’ Rights Bill—encourage landlords to take a more business-like approach. This may lead to a more stable rental market, longer tenancies, and fewer empty periods.

“We advise brokers to help landlords stay ahead of changes,” says Liz. “That means reviewing portfolios for compliance and profitability.”

Evolving Lending Criteria

Lenders are adapting to market demand. HMOs (Houses in Multiple Occupation) continue to grow, prompting flexible lending. While many lenders cap HMOs at six bedrooms, specialist lenders—such as Hampshire Trust, Interbay, Market Financial Solutions, and Together—offer more options.

Properties designed for assisted-living tenants are also gaining interest. These homes can bring higher rents and longer tenancies. Mainstream lenders remain cautious about tenant vulnerability. However, lenders such as Keystone, TML, and TMW consider Housing Association tenants. For full assisted-living properties, niche lenders like Market Financial Solutions and Together can help.

“It is crucial for advisers to know which lenders serve these specialist areas,” advises Liz. “Landlords can benefit with the right advice.”

Trends in Landlord Demand

Knowledge Bank data shows lending to limited companies remains the top-searched criterion. This is no surprise, as many landlords now invest through limited companies. More notable is the second-most searched term: first-time landlords.

“Despite rising costs, new landlords are still entering the market,” says Liz. “They are practical and focused on today’s conditions, not those of years past.”

Why Staying Informed Matters

With constant change—from regulation to lender appetite—advisers must stay well informed.

“If advisers truly understand topics such as EPC standards, HMO licensing, and limited company structures, they will become trusted advisers to their landlord clients,” says Liz.

At Connect for Intermediaries, we are committed to helping advisers stay up to date. In doing so, they can continue to offer excellent service to professional landlords in a fast-changing market.