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Buy to Let Market Seeing Very Competitive Rates [February 2026]
The buy-to-let mortgage market continues to see very competitive rates in light of the Bank of England holding the base interest rate at 3.75%.
Here's a snapshot of the best buy-to-let mortgage rates on the market today (switch to the buy to let tab):
Landlord Sentiment: Still Positive But Aware of Challenges
New research from Landbay, as of December 2025, also reveals that 40% of landlords feel negatively about the outlook for buy-to-let. However, that leaves the majority of 60% feeling positive or neutral.
The survey suggests that landlords are very aware of the challenges coming their way, but that they will continue to plan and adapt rather than exit the market entirely.
Almost 50% of landlords do not plan to expand their portfolios over the next 12-months. However, a third of the respondents indicated that they do plan to act, albeit in a more cautious and strategic manner.
Interestingly, over 30% of landlords say the most recent rate they achieved on buy-to-let mortgage finance was above 5%.
At Clifton Private Finance, this suggests to us that there are significant opportunities for landlords to consolidate and remortgage onto more favourable rates in 2026.
Find the Perfect Buy-to-Let Mortgage
In response to the ongoing challenges faced by buy-to-let investors, many landlords are weighing the benefits of holding properties within limited company structures.
It has become increasingly difficult to turn a profit in the rental sector, particularly since the introduction of 'Section 24', which prevented buy-to-let investors from deducting fees and interest from their rental income.
This shift is driven by the tax efficiencies offered to landlords who hold properties within companies. Rental income is subject to corporation tax, which is typically lower than personal income tax. While mortgage interest is no longer fully deductible for individual landlords, it remains deductible for companies, allowing for greater profitability.
Landlords nearing the end of their fixed-term deals may also benefit from recent rate cuts, with lenders currently offering competitive rates to entice new business.
Are You Looking to Invest in a Buy to Let?
At Clifton Private Finance, we have relationships with high street, private and specialist lenders across the industry. Our dedicated team of expert mortgage brokers can offer you tailored advice on your options and guide you through the mortgage process.
Working with a broker can ensure you have access to the best deal for your circumstances, including market-leading rates and bespoke finance solutions. We have expertise working with complex circumstances, such as income structures, foreign currency earnings, and asset portfolios.
Where appropriate, our team can take a holistic view of your wealth and put you in contact with the most suitable lender.
We offer creative solutions for landlords who wish to purchase or remortgage buy to let properties. Call our buy to let team on 0117 332 5491 to discuss your requirements, or book a call-back below.
