News Buy-to-let
For landlords, would-be landlords and anyone buying a second home or holiday let.
Letting property has changed a lot in recent years, from how tenancies work to how lenders assess rental income. These guides cover HMOs, the Renters’ Rights Act, what to do when a buy-to-let deal ends, and buying a second home or holiday let.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. Some of these articles also mention tax. We are not tax advisers, so please speak to an accountant or tax adviser about your own position.
Guide · Updated September 2026 · 4 min
Section 21 ended on 1 May 2026 and tenancies are now periodic. What the Renters’ Rights Act means for landlords: possession grounds, rent rises, pets, the new register and your buy-to-let mortgage.
Guide · Updated September 2026 · 8 min
An HMO mortgage is a buy-to-let loan for a property shared by tenants from different households. Here’s how lenders assess them, why rates are higher, and how first-time and student landlords can get one.
Guide · Updated September 2026 · 4 min
Second home or holiday let? How the two mortgage types differ, the deposit you’ll need, why most holiday lodges can’t be mortgaged, and the tax, council tax and registration rules for 2026.
These articles reflect the market and rules when they were published, so rates, schemes and thresholds may have changed since.
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