The trends, legislation and challenges of the buy-to-let market in 2026: What advisers need to know
Patrick Kyle, business development associate at LendInvest, explores how the role of the mortgage broker has evolved from a 'rate-finder' to a strategic consultant and outlines how brokers who can look past the headlines and navigate the nuances of 2026 reforms can protect their clients’ long-term wealth.
The learning objectives for this article are to:
- Evaluate the impact of the Renters’ Rights Act 2026 on portfolio stability, specifically how the abolition of Section 21 and the shift to periodic tenancies necessitate a focus on property quality and proactive asset management.
- Analyse the evolving borrowing requirements for British expats, including the strategic advantages of personal-name applications versus limited company structures in the context of global tax liabilities and Making Tax Digital (MTD).
- Identify high-growth opportunities in the 'professionalised' buy-to-let market, focusing on the yield benefits of HMOs and MUFBs and the data-led shift toward regional investment hubs in the North of England.
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