Property Master

02/06/2026

Buy-to-Let mortgage rates are finally moving in the right direction and this could be the moment to act.

After a turbulent spring, with rates spiking sharply amid Middle East-driven swap-rate volatility, lenders are now cutting. Nationwide, HSBC, Halifax and Santander all moved rates lower through May. With the Bank of England base rate holding at 3.75% and the next MPC decision due on 18 June, conditions could shift again quickly.

Here's what the market is telling us right now:
✅ Two-year and five-year fixed BTL rates fell through May after a sharp spring spike
✅ The Renters' Rights Act came into force on 1 May 2026, changing eviction rules, rent increase notices and more
✅ A recent survey shows that the rental yields are holding at 6.5%, with 84% of landlords still reporting they're in profit

The catch? Even as headline rates fall, lender criteria have not budged. Affordability stress tests, minimum rental coverage ratios, portfolio size rules and property-type restrictions still vary enormously across the ~100 lenders active in the market. The "best rate" from some lenders may not be the one you can actually access, especially if you hold properties in a limited company, own HMOs, or have a larger portfolio.

That's exactly where Property Master comes in. Our unique Buy-to-Let mortgage sourcing tool searches around 100 lenders in minutes, matching your information including age, portfolio size, property type, ownership structure and more, with lenders' criteria and affordability rules, and ranks results by total cost over the product term, not just the headline rate. It's completely free to use.

Find the best Buy-to-Let mortgage deals personalised to you now: https://www.property-master.com/getting-started?utm_source=property-master&utm_medium=social&utm_campaign=20260601

26/05/2026

WARM REMINDER: Landlords could face fines of up to £7,000 for missing this week’s deadline.

The clock is ticking. Under the Renters’ Rights Act, you must provide your tenants with the mandatory Information Sheet by 31 May 2026. That’s this Sunday!

At Property Master, we’re here to help. If you complete a free mortgage search on our website by this Thursday, we will send you details of what you need to do and the Information Sheet that you must issue to tenants before 31 May 2026.

Don't wait until the last minute, get started now: https://www.property-master.com/getting-started?utm_source=property-master&utm_medium=social&utm_campaign=20260526-2

26/05/2026

Multi-Unit Freehold Blocks (MUFBs) may offer strong rental yields, but mortgage criteria can differ significantly from standard Buy-to-Let properties.

Mortgage options, rates and affordability outcomes can vary widely between lenders depending on the property dwelling type, landlord profile, rental income, lending criteria and more.

Property Master is the UK’s first digital Buy-to-Let mortgage broker. Our unique Buy-to-Let mortgage sourcing tool searches across around 100 lenders in minutes, filtering results using lender-specific criteria including MUFBs, loan-to-value, rental income, limited company lending, portfolio size, and more.

Unlike traditional comparison tools, results are ranked by total cost over the product term rather than headline rates alone, helping landlords like you find the best Buy-to-Let mortgage deals and explore more mortgage options tailored to your situation.

Try our unique Buy-to-Let mortgage sourcing tool today:
https://www.property-master.com/getting-started?utm_source=property-master&utm_medium=social&utm_campaign=20260526

Speak with our friendly team for expert assistance:
https://www.property-master.com/help-for-landlords/contact-us?utm_source=property-master&utm_medium=social&utm_campaign=20260526

21/05/2026

Demand for House in Multiple Occupation (HMO) licensing continues to grow, reflecting a clear trend of more landlords exploring HMOs to improve rental yields and portfolio performance.

But while the opportunity is there, the financing side is often where things get more complicated.

- Specialist lenders are offering competitive HMO mortgage rates, but their lending criteria vary between providers

- Many local authorities now operate Article 4 Directions, meaning even smaller HMOs may require full planning permission depending on location

- Typical affordability stress testing for HMOs is higher than standard BTL, with lenders often requiring stronger rental coverage and larger deposits, especially for more complex properties

The challenge is that HMO mortgages are rarely straightforward.

One lender may accept a deal that another declines based on lettable room count, licence type or location restrictions. What looks viable on paper can change quickly once lender criteria are applied.

That’s where Property Master comes in. Property Master is the UK’s first digital Buy-to-Let mortgage broker. We consider complex property types such as HMOs and Multi-Unit Blocks, as well as different letting options including short-term holiday lets and corporate lettings.

If you’re exploring an HMO purchase or refinance, it’s worth speaking with our friendly experts. We can quickly help you find the best mortgage deals, understand your options and which lenders are most likely to say yes.

Speak with our friendly experts today:
https://www.property-master.com/help-for-landlords/contact-us?utm_source=property-master&utm_medium=social&utm_campaign=20260521

18/05/2026

Major lenders including HSBC and Santander have reduced selected Buy-to-Let (BTL) mortgage rates this month, while remortgage competition continues to intensify across the market.

For landlords approaching the end of fixed deals, the current environment is creating fresh refinancing opportunities — particularly for portfolio investors reviewing borrowing costs across multiple properties.

With lender pricing shifting frequently, even small rate reductions can make a meaningful difference to monthly cash flow and long-term portfolio performance.

For landlords, now is a good time to:
✔ Review existing mortgage arrangements
✔ Compare refinancing options early
✔ Explore opportunities to improve portfolio efficiency

At Property Master, our unique BTL mortgage sourcing tool matches your information with around 100 lenders' lending criteria and affordability rules in minutes, helping landlords quickly identify the best Buy-to-Let mortgage deals and more options tailored to their circumstances.

See your best Buy-to-Let mortgage deals today: https://www.property-master.com/getting-started?utm_source=property-master&utm_medium=social&utm_campaign=20260518

15/05/2026

⭐️⭐️⭐️⭐️⭐️ Another fantastic review from one of our happy customers!

“I've used Property Master for many years and Andy has been extremely helpful… an excellent website which is easy to use and gives you an overview of all possible deals.”

Thank you to our valued client for the continued trust and support!

If you're looking for the best Buy-to-Let (BTL) mortgage deals and expert support tailored to your needs, we’re here to help every step of the way.

See your best BTL mortgage deals today:
https://www.property-master.com/getting-started?utm_source=property-master&utm_medium=social&utm_campaign=20260515

Need help with your BTL mortgage? Speak to our friendly experts today:
https://www.property-master.com/help-for-landlords/contact-us?utm_source=property-master&utm_medium=social&utm_campaign=20260515

13/05/2026

Recent research reveals that nearly 40% of landlords plan to refinance in the next 12 months. The trend is even stronger among portfolio landlords, with more than half of those holding 4+ mortgages expected to remortgage as they review funding arrangements and optimise borrowing across multiple properties.

Despite ongoing regulatory change and economic pressures, the Buy-to-Let market remains active, driven by resilient tenant demand and long-term occupancy trends.

For landlords, refinancing can help:
✔️ Reduce costs
✔️ Improve cash flow
✔️ Restructure portfolios
✔️ Release capital for future property plans

If you’re looking for the best mortgage deals to match your needs, try our unique Buy-to-Let mortgage sourcing tool. Compare deals from around 100 lenders in minutes.

Fry it FREE today: https://www.property-master.com/getting-started?utm_source=property-master&utm_medium=social&utm_campaign=20260513

12/05/2026

For landlords, time matters.

Whether you’re managing tenants, growing your portfolio, or planning your next investment, you shouldn’t have to spend hours navigating complex mortgage criteria.

At Property Master, we’ve simplified the process. By combining advanced technology with daily updated data from around 100 lenders, our platform performs over a million calculations in minutes, helping you find the best Buy-to-Let (BTL) mortgage deals and explore more options tailored to your circumstances.

With our unique BTL mortgage sourcing tool, you'll see
- the best Buy-to-Let mortgage deals that fit your needs
- how much you could borrow
- the monthly repayment
- all associated costs

We consider complicated property types like HMOs and Multi-Unit Blocks and a variety of letting options, such as short-term holiday lets or even corporate letting.

Upload your documents once, save your details for future searches, and make your next application process even faster and easier.

Landlords are already making their mortgage process more efficient with Property Master.

See what’s available to you today.

Try it free now: https://www.property-master.com/getting-started?utm_source=property-master&utm_medium=social&utm_campaign=20260512

08/05/2026

Landlords, Halifax’s latest House Price Index shows that house prices in April 2026 were 0.4% higher than a year earlier, with the average price at £299,313.

This continued stability is positive news for the landlords. However, with mortgage rates still shifting and more fixed deals reaching maturity, now is a good time to check whether your current mortgage is still the right fit for your circumstances.

At Property Master, our unique Buy-to-Let (BTL) mortgage sourcing tool matches your details with data updated daily from around 100 lenders. It helps you find the best BTL mortgage deals tailored to your exact situation, including portfolio size, property type (such as HMOs and multi-unit properties), rental affordability, LTV and more.

You can quickly see how much you may be able to borrow, your monthly payments and all associated costs. You could also adjust figures to explore more mortgage options. Best of all, there are no upfront fees until you are ready to submit an application.

Ready to find the best deals and explore more options for your portfolio? Get started here: https://www.property-master.com/getting-started?utm_source=property-master&utm_medium=social&utm_campaign=20260508

30/04/2026

Base Rate has been held at 3.75%, but behind the headlines, the Buy-to-Let mortgage market is still moving quickly.

While the Bank of England signals stability, lenders continue to reprice deals in response to shifting market conditions, meaning opportunities are changing every day.

Our latest blog breaks down what’s really happening in the Buy-to-Let market right now. Read more here: https://www.property-master.com/help-for-landlords/blog/blog-2026-3-base-rate-holds-at-3-75?utm_source=property-master&utm_medium=social&utm_campaign=20260430

Bank of England Base Rate Holds at 3.75%: What It Means for Buy-to-Let Landlords