New rules set to reshape UK buy-to-let market

rental
By Sam Kerr
27 Apr 2017

Government policy is altering the landscape of the UK buy-to-let mortgage market, with changes to tax rules set to curtail participation among individual landlords and shifting the market in favour of limited companies.

UK buy-to-let property investors are being hobbled by new regulatory requirements which force lenders regulated by the Prudential Regulatory Authority (PRA) to up interest coverage ratios for borrowers. This has led to lower loan-to-value ratios and higher down payments on properties.

According to Fitch Ratings, the typical deposit on ...

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