Sophie Kettle (formerly Mitchell-Charman), commercial director at LendInvest, says the UK property market in 2024 was volatile, influenced by interest rate changes, political...

Rates have reduced across portfolio landlord, HMO and MUFB products.

Most brokers are still finding opportunities in the buy-to-let mortgage space.

The 10bps rate reduction is in addition to the lender also announcing that it has made changes to its expat buy-to-let criteria.

The specialist lender has reduced rates on its two-year fixed rate holiday let mortgage by 95 basis points.

The change allows landlords to apply for a buy-to-let remortgage from the first day post-purchase of the property.

The biggest reductions are across Landbay's range of non-portfolio products.

Options are available for portfolio landlords, individual landlord borrowers, HMO and multi-unit freehold block (MUFB) borrowers.

Only two-thirds report a thorough understanding of the details regarding the new legislation.

We spoke to Paul Roberts, senior account director at Family Building Society, on educating brokers to study the whole of the market, the most challenging issues facing the market...