RESULTS of the Property118 Landlord Sentiment Survey (Q2 2026)
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Property118
RESULTS of the Property118 Landlord Sentiment Survey (Q2 2026)
If you were one of them, Thank You. Following the record-breaking response to our Q1 survey earlier this year, this second quarter gives us something we have never had before: a like-for-like comparison. For the first time we can show not just what landlords think, but how their sentiment is shifting from one quarter to the next.
We have published the high-level results below, but as always, the devil is in the detail. The raw data will allow us to drill down into thousands of additional datasets in the coming weeks, cross-referencing age, gearing, region, and exit intentions to build a far richer picture of the private rented sector.
All data collected is, of course, anonymised for confidentiality purposes.
We opened, as before, by asking landlords how their portfolios have changed over the past two years.
Key Insight:
New for this quarter, we asked landlords what they expect to happen to property values over the next three years.
Key Insight:
We then asked what landlords consider most likely for them over the next three years. Note the change of time horizon here: in Q1 we asked about the next twelve months, whereas this quarter we extended the window to three years, so part of the movement below reflects the longer period rather than a pure change in sentiment.
Critical Finding:
We asked whether landlords expect to remortgage one or more properties within the next twelve months. This question is directly comparable with Q1.
Key Insight:
We asked landlords to rank the factors that would most influence a decision to purchase more rental property. The chart below shows the weighted score for each: the higher the score, the more important the factor. This question is directly comparable with Q1.
Key Insight:
For those who would buy, we asked which ownership structure they would use. This question is directly comparable with Q1.
The Incorporation Shift:
We significantly expanded this question for Q2, asking landlords to rank six potential triggers for selling, up from three in Q1. Because the number of factors and the scoring scale have both changed, we are showing this quarter’s results on their own rather than attempting a direct comparison. As before, a higher weighted score means the factor was ranked more important.
Key Insight:
We asked landlords how many rental properties they own. Because a small number of very large portfolios distort the average, we have shown both the typical figure and the mean.
Key Insight:
Landlords could select every region in which they own property, so the percentages total more than 100%. This quarter, every region showed a higher figure than last, which most likely reflects respondents selecting more regions each on average rather than a genuine wave of acquisition. We would therefore caution against reading the changes as growth, and focus instead on the relative concentration.
Regional Spread:
This question captures how landlords currently hold their property, as distinct from how they would structure a future purchase. It is directly comparable with Q1.
Key Insight:
Landlords could select more than one tenant type, so these figures total over 100%. Some of the larger movements this quarter probably reflect respondents choosing more specific categories rather than defaulting to “a mixture”, rather than a real change in who they let to.
Key Insight:
We separated houses, flats and bungalows into distinct options this quarter, having combined them in Q1. Because the answer options have changed, this question is shown on its own rather than compared. Landlords could select more than one type.
Key Insight:
How landlords manage their properties, directly comparable with Q1.
Key Insight:
The average loan-to-value across landlords’ portfolios, shown in gearing order and directly comparable with Q1.
Key Insight:
New for this quarter, we asked whether respondents are UK residents for tax purposes.
Key Insight:
Taken together, this second quarter reinforces and sharpens the story our Q1 survey first told. The UK’s private rented sector is held largely by landlords who own standard residential property, let predominantly to working tenants, hold their portfolios in personal names, and manage much of the work themselves. They are conservatively geared and financially resilient. None of that has changed in three months, and nor would we expect it to.
What has come into sharper relief is the mood. Landlords are now more pessimistic about property values than they were in the spring, with more than nine in ten expecting no real-terms growth over the next three years. The intention to sell or exit has, if anything, strengthened. The factors that would tempt them back, chief among them a reversal of Section 24, remain exactly where they were, unaddressed. And the incorporation trend continues its slow, structural pull, as landlords picture a future built around companies while remaining locked into personally-held legacy portfolios by the Capital Gains Tax cost of moving.
The comparison between the two quarters is itself the finding. This is not a sector in temporary difficulty waiting for confidence to return. It is one in which caution is settling into something more permanent. The financial case, higher borrowing costs and the tax position on both income and disposal, is now doing as much to drive landlords towards the exit as regulation itself.
We run the Property118 Landlord Sentiment Survey around the last day of every quarter. Much of what improved between Q1 and Q2, the sharper questions, the new topics, the extra answer options, came directly from your feedback. The more you tell us in the comments below, the better each future survey becomes.
These surveys are YOUR way to influence future legislation, and perhaps even to help bring about u-turns and repeals
The post RESULTS of the Property118 Landlord Sentiment Survey (Q2 2026) appeared first on Property118.
View Full Article: RESULTS of the Property118 Landlord Sentiment Survey (Q2 2026)
More landlord lenders cut their buy to let mortgage rates
Property118
More landlord lenders cut their buy to let mortgage rates
Paragon Bank, Landbay, Shawbrook, Coventry for intermediaries and Accord Mortgages have all announced changes across landlord or property investor ranges.
The changes cover Bank Base Rate trackers, five-year fixes, commercial bridging and limited company buy to let products.
Paragon Bank has expanded its BTL Bank Base Rate tracker range with new two-year options and a 2% fee product.
The revised range is available up to 75% loan-to-value and covers single self-contained properties, houses in multiple occupation and multi-unit blocks.
Paragon’s BTL deals
For single self-contained properties at 75% LTV, the latest two-year tracker starts at Bank Base Rate plus 1%, currently 4.75%, with a 2% product fee.
The product includes a free mortgage valuation, no application fee and no early repayment charges.
For HMOs and multi-unit blocks at the same LTV, two-year tracker options start at Bank Base Rate plus 1.35%, also with a 2% fee, free valuation and no early repayment charges.
The bank’s product manager, James Harrison, said: “Extending the range to total 14 options for new customers, alongside six switch and four further advance products, and introducing more fee options, we are giving brokers greater scope to match products to their clients’ priorities, whether that is focusing on pay rate, upfront cost or overall balance across a portfolio.”
More cuts from Landbay
Landbay has announced a further round of cuts across 18 Premier products, reducing rates by 5 basis points.
The affected products are five-year fixed rate deals available up to 75% LTV, for purchase and remortgage, including AVM and product transfer options.
Premier is Landbay’s range for standard and HMO borrowers with up to 15 mortgaged properties, available to individual and limited company landlords.
Purchase and remortgage five-year fixes now include a zero-fee option at 5.4%, while the 5% fee option is available at 4.4%.
Variable fee options
Remortgage AVM five-year fixes include a 1% fee option at 5.2% and a 5% fee option at 4.4%.
For remortgage free valuation five-year fixes, the zero-fee option is now 5.44%, with the 5% fee product at 4.44%.
Product Transfer five-year fixes include a 1% fee option at 5.29% and a 5% fee deal at 4.49%.
All Premier products continue to offer variable fee options ranging from zero or 1% up to 5%.
Rob Stanton, the lender’s sales and distribution director, said: “While markets remain capable of moving quickly in either direction, the current environment has given us another opportunity to reduce rates across a significant part of our Premier range, building on the changes we made last month to the Premier range but also building on our recent new product launches.”
Shawbrook’s commercial bridging loans
Shawbrook has increased the maximum LTV on eligible commercial bridging loans to 75%.
The change is aimed at brokers supporting clients who are buying or refurbishing commercial property and need higher levels of funding.
It follows recent changes to Shawbrook’s bridging proposition, including day-one LTVs of up to 90% for refurbishment projects, reduced monthly pricing, a lower minimum loan size and changes to underwriting.
Daryl Norkett, Shawbrook’s director of real estate proposition, said: “Increasing our maximum commercial bridging LTV up to 75% gives brokers greater flexibility to support commercial property investors and developers when higher leverage is needed.
“Combined with the recent enhancements we’ve made across our bridging proposition, this latest update reinforces our focus on giving brokers the tools, flexibility and specialist support they need to get more deals over the line.”
Coventry lowers BTL rates
Coventry for intermediaries has cut selected rates across several buy to let and limited company products.
Its Limited Company BTL EPC five-year fixed rate to 31 December 2031 at 75% LTV with no fee has been reduced by 11bps to 5.29%.
A BTL Purchase five-year fixed rate to 31 December 2031 at 75% LTV with no fee has been reduced by 8bps to 4.98%.
Jonathon Stinton, Coventry’s head of intermediary relationships, said: “In a competitive market, these reductions will help give brokers and their BTL clients greater choice.
“And because we’re applying reductions to some of our limited company products, there are better options available to professional landlords too.”
Accord improves BTL competitiveness
Accord Mortgages has reduced rates across its buy to let range this week by 0.08%.
The intermediary-only lender is cutting all five-year fixes up to 75% LTV by 0.08%, while also extending product end dates to 31 October.
Two- and three-year rates are unchanged.
It includes a five-year fixed rate at 4.87%, down from 4.95%, for house purchasers at 75% LTV, with a £995 fee and standard valuation.
For remortgage borrowers at 75% LTV, Accord is offering a five-year fixed rate at 4.90%, down from 4.98%, with a £995 fee, standard valuation and remortgage legal service.
A five-year fix for house purchasers at 60% LTV has been reduced to 4.71% from 4.79%, with a £995 fee and standard valuation.
Jeremy Duncombe, the managing director of Accord Mortgages, said: “We’re so pleased to take this opportunity to improve the competitiveness of our buy to let range, ensuring we continue to deliver exceptional value wherever possible to our brokers and their landlord clients.”
For assistance with any type of buy to let (BTL), property or commercial finance please complete the contact form below:
How can I help you?
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View Full Article: More landlord lenders cut their buy to let mortgage rates
Rising rents drive higher earners into flatshares – SpareRoom
Property118
Rising rents drive higher earners into flatshares – SpareRoom
Wage gaps in flatshares intensify as rising rents force higher earners to house share, according to new data.
Figures from SpareRoom reveal that one in five (20%) UK flatmates estimate that the pay gap between the highest- and lowest-earning person in their household is more than £20,000, while almost one in 10 (9%) believe the gap exceeds £30,000.
The news comes as rents across the UK have risen by almost 7% in the past three years.
Much less viable to rent on a lower salary
Matt Hutchinson, director of flatshare site SpareRoom, said rising rents are reshaping who lives in shared homes
He said: “It used to be the case that a good salary would get you onto the housing ladder, or else renting alone or with a partner. But the cost of renting and living is now so high, sharing makes sense for people on higher incomes too.
“Sadly, it’s become much less viable to rent on a lower salary. We know from our analysis of SpareRoom users by age that younger adults, who generally earn less, are being priced out of the rental market altogether.
“While those earning more than £50K could likely afford to rent solo, it may mean compromising on location, disposable income and the ability to save. For those on higher-than-average salaries, sharing is often a tactical choice. Renting an average room in a UK flatshare costs £747 per month while the ONS puts the average UK one-bed flat rent at £1,123. That means you’re saving around £4.5K a year on average if you flatshare.”
Household arguments
Mr Hutchinson added: “It’s not always a financial decision though. Some flatsharers on higher salaries still choose to live with others. For those new to an area or leaving their family home for the first time, a ready-made group of friends is a great antidote to loneliness.
“But as our survey shows, wage gaps in flatshares can also be the root cause of household arguments if outgoings aren’t sensitively managed. It’s well worth sitting down as a group to work out the fairest way to split rent, bills, and shared supplies so everyone’s comfortable with the arrangement. There’s no right way to do things, it’s just about finding the best way for your household.”
The data also reveals 29% of people say they have missed out on an opportunity to rent a place with a friend because of the difference between their salaries.
The post Rising rents drive higher earners into flatshares – SpareRoom appeared first on Property118.
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