Market insights from Foundation Home Loans

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Landlords continue to focus on stability over expansion

Foundation Home Loans’ latest Landlord Trends Report, conducted with Pegasus, highlights how central remortgaging has become within the buy to let market. The findings reveal that 61% of landlords who had a buy to let finance requirement were remortgaging, 19% opted for a product transfer and only 12% were arranging finance for a new purchase.

This shift shows that many landlords are prioritising stability and cost management over portfolio growth as they adapt to an evolving economic landscape. Rising costs and a more cautious market outlook are driving many to consolidate rather than expand, focusing on long-term resilience and sustainability.

The growing importance of remortgaging

Higher interest rates, shifting tenant dynamics and upcoming regulatory changes have placed refinancing at the heart of landlords’ financial strategies. Many are using remortgages to:

  • Manage cashflow
  • Release capital for property improvements
  • Prepare for EPC-related upgrades

These trends underline how landlords are taking a more strategic approach to financing, reassessing their goals and seeking opportunities to optimise their portfolios amid uncertainty.

How brokers can support landlords through change

Around two-thirds of landlords used a broker for their most recent remortgage or product transfer, while nearly one in three went direct to a lender. Some landlords may believe they’re getting advice when dealing directly with lenders, but without access to the whole market, their options remain limited. Brokers can bridge that gap by offering impartial guidance and tailored refinancing strategies.

For the clients choosing a product transfer because it feels easier, brokers can highlight the missed opportunities, from better terms to improved portfolio efficiency. Each remortgage is also a chance to revisit protection, tax and long-term planning needs, while strengthening client relationships and outcomes.

Strengthening long-term resilience

At Foundation Home Loans, we recognise the crucial role brokers play in helping landlords navigate complex market conditions. By positioning remortgaging as a tool for optimisation and stability, brokers can support their clients in building long-term financial strength, improving resilience and maintaining profitability.

About Foundation Home Loans

Foundation Home Loans is a specialist lender focused on the buy to let and residential markets, offering flexible solutions for landlords, limited companies and complex income clients. With a pragmatic approach to underwriting and a range of products designed for professional and portfolio landlords, Foundation helps brokers deliver tailored funding options that suit real-life scenarios.


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About Fiducia Commercial Network

Fiducia Commercial Network is a commercial finance \’Appointed Representative\’ network created to allow independent firms to provide commercial property finance and trading business finance options to their existing client base and network.

Joining the network provides opportunities for professional brokers to offer a full range of commercial finance solutions by acting as an Appointed Representative (AR) with the full support of the Fiducia Commercial Network team.

The Fiducia Commercial Network membership includes FCA authorisation and reporting, PI insurance, and NACFB membership, plus business, compliance, finance, system, and admin support from a company with over 20 years\’ experience in commercial finance.

If you\’d like to discuss joining Fiducia Commercial Network or you\’d like to apply to become an Appointed Representative…


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 To discuss Fiducia Commercial Network or to apply to become an Appointed Representative email the team via by clicking this link.

For all media and marketing enquiries contact –  pr@fiduciagroup.co.uk 

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