Is now the right time to invest in buy to let?

The buy-to-let market is showing strong signs of growth again, but what does that actually mean for landlords and investors in 2026?

Recent data suggests buy-to-let borrowing is increasing at a similar pace to lending for first-time buyers and home movers, with the market expanding by around 7% per quarter over the past year.

Rather than leaving the market, many landlords are reassessing their position and, in some cases, expanding their portfolios.

Why is the buy-to-let market growing?

Several key factors are driving this renewed confidence:

• Improving mortgage rates are making borrowing more affordable
• Greater product availability from lenders
• Strong rental demand across the UK
• Tenants staying in rented homes longer, creating more stable income
• For landlords, this combination is helping to strengthen margins and improve long-term returns.

What this means for landlords

Whether you're new to buy-to-let or already have a portfolio, the current market presents opportunities.

If you're a new landlord:

• More mortgage options are now available
• Entry into the market may be more accessible than before
• Strong demand means less risk of long void periods

If you're an existing landlord:

• Reviewing your current mortgage could reduce monthly costs
• Remortgaging may improve your overall returns
• Expanding your portfolio could be more viable in current conditions

At Oviso, we’re seeing more landlords take this opportunity to review their borrowing and make strategic decisions for the future.

Is buy-to-let still a good investment?

While the market is improving, the right approach depends on your individual circumstances.

Things to consider include:

• Tax implications
• Affordability and cash flow
• Property type and location
• Your long-term investment goals

With the right advice, buy-to-let can still offer a reliable income and long-term growth potential.

Speak to Oviso about your available options

Whether you're thinking about becoming a landlord, looking to remortgage a buy-to-let property, or planning to grow your portfolio, our team will guide you through the process, handle the paperwork, and help you find a deal that’s right for you.

Get in touch with one of our ad advice on your buy-to-let options.