Landlords juggle multiple buy to let loans

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Landlords juggle multiple buy to let loans

Landlords with buy to let borrowing are now managing multiple mortgages across different lenders, with portfolios increasingly shaped by layered finance arrangements.

Pegasus Insight’s latest data shows that landlords with BTL loans hold an average of 6.5 mortgages, and these are typically spread across 2.1 lenders.

Total borrowing sits at £714,000, pointing to the scale of exposure across many portfolios.

The firm’s Landlord Trends Q4 2025 report also highlights that borrowing is rarely concentrated with a single provider.

Instead, landlords are operating across a mix of products, often with differing terms, maturity dates and refinancing points, sometimes overlapping.

Landlord borrowing structure

The firm’s founder and chief executive, Mark Long, said: “What stands out from the data is the degree to which landlord borrowing is structured across multiple products and lenders.

“For many, managing finance is no longer a one-off decision, but an ongoing process.”

He added: “What’s interesting here is not just the number of loans, but what that says about how landlords are operating.

“Managing multiple mortgages across different lenders requires a level of coordination and forward planning that simply wasn’t part of the model for many landlords historically.

“That creates both opportunity and exposure for borrowers.

“When financing is structured across several products, decisions in one part of the portfolio can have knock-on effects elsewhere, particularly around refinancing and cashflow timing.”

Tracking BTL repayments

Landlords with several lenders means their borrowing structure brings added demands around timing and coordination.

Managing several loans at once means tracking repayment schedules, product expiries and refinancing windows, often at the same time, across a portfolio.

There is also evidence of early action around refinancing.

Seven in 10 landlords began their most recent remortgage process at least three months before product maturity, suggesting preparation well ahead of deadlines.

Broker involvement continues to feature, particularly where borrowing spans multiple lenders or products.

Intermediaries remain widely used, especially among landlords with larger or more complex holdings.

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