Phoebus Software comments on UK Finance Buy-to-let mortgage market update

15 April 2026

Richard Pike, chief of sales and marketing at Phoebus Software, said:

“While growth in buy-to-let has been uneven across the year, the latest figures show a clear resurgence in activity towards the end of 2025.

“What’s particularly encouraging is that this growth is being supported by improving rent yields. Rates in Q4 were also falling generally, but with the current fiscal environment this has now changed quite significantly, and although our clients report completions generally remain strong, this may impact confidence and affordability in the short term.

“Landlords have faced ongoing regulatory and tax pressures in recent years, and I expect the Sector to grow in 2026, but by how much depends on how quickly peace can be achieved in the middle east, and whether the Bank of England can hold off on rate increases as much as possible.

“Overall, buy-to-let remains a resilient and attractive long-term investment. Strong yields and a housing shortage should help to sustain momentum in 2026 despite ongoing affordability pressures and market uncertainty.”