The Renter’s Rights Act 2026: Impact of specialist buy-to-let and the rise of the professional landlord
Tom Steer, head of underwriting at LendInvest, provides mortgage brokers with the essential knowledge required to navigate the high-stakes transitions from traditional buy-to-let to a professionalised, specialist market.
The learning objectives for this article are to:
- Analyse the impact of the Renters’ Rights Act 2026 on lender risk assessment, specifically regarding the abolition of Section 21 and the transition to periodic tenancies.
- Evaluate the shift toward high-yield assets, such as HMOs and MUFBs, as a strategic response to higher interest rates and modern Interest Cover Ratio (ICR) stress tests.
- Identify the evolving requirements for specialist buy-to-let underwriting, including the scrutiny of complex corporate structures (SPVs) and the proactive integration of future EPC compliance costs.
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