New foundations: Building the next era of buy-to-let lending
A deep dive into the forces reshaping specialist buy-to-let — and how lenders can respond.
The specialist buy-to-let market is evolving fast. Amid regulatory pressures, rising costs, and shifting borrower profiles, lenders are rethinking how they serve this growing segment. Based on Finova’s proprietary research — including survey data from over 200 brokers and 100 lenders — this report uncovers where innovation is delivering real value, where landlords remain underserved, and what lenders must do next to compete.
What you'll learn
- Where brokers see the highest demand — and which segments are being underserved
- Which buy-to-let product types are delivering the highest margins for lenders
- What lenders say is holding back innovation — and how to unlock growth
Why download this report?
Based on original research with over 200 brokers and 100 lenders, this paper reveals:
- Why specialist buy-to-let is forecast to reach £54bn by 2029
- The innovation gap between what brokers need and what lenders prioritise
- How professional landlords are shifting to limited company, HMO, and holiday let strategies
- What technology lenders need to support specialist lending at scale
Why it matters
This is a critical moment for the buy-to-let sector. Lenders must adapt to a more complex, margin-sensitive market shaped by new borrower types and broker expectations. Our report outlines how lenders can bridge the gap — with the right product strategy, the right tech stack, and the speed to deliver change before competitors do.
