Cautious optimism fuels activity despite concerns over rates and regulation
Landlords across the UK are continuing to invest in property, though many are taking a more measured approach amid rising interest rates and regulatory uncertainty, according to property finance platform Lendlord.
Its 2025 Landlord Sentiment Survey, based on responses from a wide cross-section of UK landlords, found that 70% intend to grow their portfolios over the next year through acquisitions, refinancing or refurbishment. However, 41.9% reported adopting a more cautious strategy than they had six months ago.
Nearly 60% of respondents said they expect modest increases in house prices over the next 12 months, while 42.3% expressed confidence in their ability to secure appropriate mortgage finance.
The survey also revealed that 29% of landlords view the buy, refurbish, refinance, rent (BRRR) strategy as their primary approach. A majority (67%) said they were concerned about the potential impact of the Renters’ Rights Bill.
Technology use continues to grow in the sector, with 56% of landlords using digital tools or artificial intelligence at least occasionally. Over half (51.8%) rated their market outlook as either a ‘4’ or ‘5’ out of ‘5’.
Lendlord said the data reflects a sector that is evolving rather than shrinking, as landlords look to add value through refurbishment, optimise cash flow via refinancing, and adopt digital solutions to manage portfolios more effectively.
“Despite the headlines, landlords are not retreating from the market – they’re adapting,” said Lendlord co-founder and chief executive Aviram Shahar (pictured). “The sentiment is cautious, yes, but it’s also clear-eyed and pragmatic.
“Landlords are still finding ways to invest, recycle capital and manage their portfolios efficiently. What they need is support in making confident decisions, whether that’s running the numbers on a refurbishment or understanding how regulation might affect them.”
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