A new analysis suggests many of those landlords keeping faith with Buy To Let may refinance existing portfolios to fund future investment.
Data from the lender Together acknowledges that many landlords have quit the sector in recent years, driven out by rising costs, growing red tape and now the Renters Rights Act.
But it says that of those staying the course, its research suggests 76% are likely to refinance their existing property portfolios over the next 12 months to fund further investment.
The same study shows some 36% of UK landlords “very likely” to refinance their portfolio over the next year, while a further 40% were “somewhat likely.”
The lender claims evidence is growing that the refinancing is being used to look at growing opportunities outside traditional investment hotspots.
Manchester-based Together says its funding activity since 2020 shows Scotland and Yorkshire and the Humber are attracting increased levels of investment, compared to London and the South East.
The North West increased its share of Together’s buy-to-let funding by 3.3% between 2020 and 2025, while Scotland increased by 2% and Yorkshire and Humber by 1.1%
Greater London and the South East accounted for less than a fifth (20%) of Together’s buy-to-let lending in 2025, down from 23.6% in 2020.
A spokesperson adds: “Rather than sitting on existing assets, many investors are looking to release equity and reinvest, signalling confidence in future market opportunities. They are also seeking finance across their entire existing portfolios to expand their property ambitions.
“At the same time, funding data shows a clear concentration of activity across England, particularly in Northern regions such as the North West, Yorkshire and the North East. Investors continue to be attracted by locations where affordability, rental demand and long-term growth prospects remain compelling.”
