Buy-to-let (BTL) mortgage options have hit a record high, with 4,144 deals available in June 2025, according to research by Moneyfactscompare.co.uk.
The product count rose from 2,935 in June 2024, with a bigger increase in 5-year fixed deals than 2-year fixed deals.
Average 2-year fixed rates dropped below 5% for the first time since September 2022, falling from 5.53% in June 2024 to 4.98% in June 2025.
5-year fixed rates also dropped for the fourth month in a row, now at 5.29%, the lowest since October 2024.
The research found that swap rate movements continued to influence the mortgage market.
Rachel Springall, finance expert at Moneyfactscompare.co.uk, said: “Landlords searching for a new BTL mortgage may be pleased to see a rise in product availability, with the choice of deals soaring to its highest point on record.
“Landlords must ensure their property has a minimum Energy Performance Certificate (EPC) rating of C, by 2030 at the latest, according to the Government’s latest proposals.
“This is why a buy-to-let investment might not work for accidental landlords who are not able to fork out the costs to make renovations.”
Springall added: “Investors typically expect to make better profits if investing in multiple properties, but by the same notion, it can open them to more risk if property prices plummet and they are locked into a mortgage or have no tenant for an extended period of time.
“Finding the right location to enter the market is essential, so it’s wise to expand property searches across other areas in the country outside of the obvious major cities.
“Landlords coming off a low rate fixed deal and needing to refinance will see increasing rents as the easiest way to boost margins.”
She said: “Landlords will also need to keep in mind the Renters Right Bill which is expected to come into force either later this year or in 2026.
“The new laws include abolishing section 21 evictions and fixed-term tenancies, but also new rules on making rent increases.
“The legislation is designed to protect millions of renters, giving them more security, but understandably this might be the final straw for existing landlords, leading to them exiting the sector.”
She added: “Seeking advice before buying any property, such as the workings of setting up a limited company is essential.
“It is also vital for prospective investors to weigh up the costs involved in entering the buy-to-let market, such as the minimum 5% surcharge on Stamp Duty Land Tax (SDLT).
“An investment in property is more than aiming for a monthly profit, it’s important to understand the longer-term returns of selling the asset, and the tax implications of selling up.”
