Editor's note: This brief was summarised by The Property AI Newsroom from a report by Mortgage Solutions. Read the original article for full details.

Aldermore: Buy-to-Let Market Has Matured Amid Regulatory Changes

The UK buy-to-let (BTL) market has become more professional and mature, according to a discussion during Aldermore’s Mortgage Market Insight event in collaboration with Mortgage Solutions. The event highlighted how recent regulatory changes are influencing landlord behaviour and the structure of the sector.

Jon Cooper, director of property distribution at Aldermore, said that the introduction of the Renters’ Rights Act and upcoming minimum energy-efficiency requirements are additional challenges for landlords. However, he stated that Aldermore still views the sector as healthy. Cooper described the BTL market as having “grown up” and noted that these changes are likely to prompt more amateur landlords to leave the market.

David Hollingworth, associate director of communications at L&C Mortgages, commented that some smaller landlords may remain in the market, focusing on the capital growth of their investments. He agreed that the accumulation of regulatory changes would result in a market dominated by professional landlords who treat property letting as a business.

The discussion also addressed how lenders are adapting to the evolving market. Hollingworth noted that lenders have adjusted their criteria to reduce costs for landlords and have introduced more limited company options. He said there is increasing demand for limited company remortgage products.

Cooper mentioned that there has been a rise in “bridge-linked strategies,” referencing Aldermore’s acquisition of bridging lender Octane to support such transactions. He also observed that many landlords have teams ready to convert auction purchases into houses in multiple occupation (HMOs), allowing lenders to assess market value immediately. Additionally, Cooper said that larger landlords are increasingly acquiring properties from amateur landlords and are exploring the purchase of limited companies.

This video discussion was filmed in May 2026 and is the third in a series of four videos produced by Aldermore and Mortgage Solutions.