After more than 35 years in the mortgage industry – and as a landlord myself – I can confidently say that I’ve never seen so many opportunities in the buy-to-let market as I do today.

Change Is Coming – But Fundamentals Remain Strong

Yes, we’re in a transitional period. Yes, there’s legislation on the horizon, from EPC standards to the Renters’ Rights Bill. But even with that change, or perhaps because of it, the fundamentals of buy-to-let remain strong – and in many areas, are improving.

Demand Is Surging – And So Are Returns

Rental demand is at an all-time high. The last property I put on the market in Birmingham had 39 families apply. The UK average is said to be around 12 applications per property, but from what I’ve seen, that feels conservative. Meanwhile, my personal rents have gone up 42% in the past three years. At the same time, the cost of borrowing is gradually coming down – albeit with some volatility. In short, the conditions for investment are strong.

Supporting Landlords Through Innovation

At Chetwood Bank, our focus is on building the right tools to support both landlords and mortgage advisors. We’re proud to be based in Wrexham – the newest bank launched in Wales – and even prouder to be supporting the UK’s evolving buy-to-let market through two specialist lenders: CHL Mortgages for Intermediaries, which deals with more complex cases, and Moda Mortgages, aimed at first-time landlords and those still growing their portfolios.

Meeting the Needs of a Changing Market

That split reflects the changing nature of the sector. More people are entering the market for the first time, while others are expanding and becoming more professional in their approach. But whichever stage a landlord is at, it’s essential that their broker understands the full picture. That means not just the product range, but the implications of ownership structure, the direction of policy, and the broader economic context.

Advisors: Your Knowledge Is Your Value

What I often say to mortgage advisors is: value your own knowledge. You’re not just sourcing rates. You’re helping landlords make long-term decisions that affect their financial future. That might mean explaining the difference between personal and limited company ownership, or helping a client think ahead about succession planning. In some cases, it might simply be keeping them up to date with what’s happening in Parliament or in the market.

Practical Support That Makes a Difference

At Chetwood, one of the ways we try to support advisors is through practical solutions – like offering free valuations via CHL and Moda. It’s a small thing, but for landlords with multiple properties, those costs can quickly add up. Free valuations can be the difference that makes a deal stack up.

The Role of Trusted Guide Has Never Been More Important

Ultimately, a buoyant buy-to-let environment means the opportunity for advisors right now is bigger than any one product. It’s about stepping into the role of trusted guide. The market may be changing, but demand is growing, and that growth needs to be matched by understanding, education and service. If you’re prepared to invest in your knowledge, build the right relationships, and keep close to your clients, then buy-to-let remains a space full of potential.

Cornerstone Finance The Podcast

Cornerstone Podcast Series

Hear more in the Cornerstone Finance Group podcast episodes: Understanding the Buy-to-Let Landscape and Navigating Tax and Structuring for Buy-to-Let.

News & Insights

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Jonathan Needham

Proper Brokering Means More Than Just the Right Rate

In today’s evolving buy-to-let market, landlords face rising rates, shifting legislation, and increased risk. Jonathan Needham of Needham Financial explores why brokers must go beyond rate shopping, offering strategic, informed guidance that builds long-term client trust.

Mike Powell

Opportunities Remain in a Shifting Buy-to-Let Market

Being a landlord today comes with new challenges – from tax and EPC changes to rising interest rates. Mike Powell, Mortgage Broker at Mike Powell Mortgages, shares how brokers can add real value by helping landlords navigate market shifts, grow their portfolios, and plan for the future.

Roger Morris

Why I’ve Never Seen a Better Time to Be in Buy-to-Let

Roger Morris, Group Distribution Director at Chetwood Bank, shares expert insight on today’s buy-to-let market. With rising rental demand and a shifting regulatory landscape, discover why now is a prime moment for landlords and brokers to act.

Buy-to-let market offers strong prospects despite shifting landscape

Despite rising regulation and shifting compliance demands, the buy-to-let market is offering some of the strongest investment opportunities seen in years. Experts from Chetwood Bank and industry-leading brokers discuss why landlord demand remains high, how portfolio growth is evolving, and what advisors need to know to navigate today’s complex landscape.

Wayne Donovan

Opening Doors to Home Ownership Through Intergenerational Support

Buying a first home can feel out of reach – but it doesn’t have to be. Wayne Donovan, mortgage broker at Cornerstone, explains how intergenerational support, including gifted deposits and equity release, is helping families work together to get first-time buyers on the ladder.

Graeme Lewis

A Strong Start with First-Time Buyers Can Build Lifelong Value

Engaging first-time buyers early builds value - not just for today, but for life. From demystifying hidden costs to leveraging tech and trusted advice, brokers can guide clients through their first mortgage, and become their go-to adviser for years to come.