The Intermediary – September 2025 - Flipbook - Page 23
BUY-TO-LET
In focus
nment’s war on BTL
high-cost areas such as London and the
South East.
Brokers can help clients explore
alternative asset types such as
houses in multiple occupation
(HMOs), student accommodation,
serviced apartments, or even social
housing. These sectors oen come
with higher yields but may require
specialist finance, particularly if the
properties are non-standard or require
refurbishment.
One area of growing interest is
incorporation. Operating through
a limited company can offer tax
advantages, particularly for higherrate taxpayers, and many landlords
are exploring this route. Brokers can
support this transition by explaining
the implications and identifying
lenders that are comfortable with such
company structures.
This is where specialist lenders like
Together can be particularly useful.
Known for flexible underwriting and
willingness to consider complex cases,
we offer solutions for landlords who
fall outside mainstream criteria.
Whether it’s a first-time landlord,
an expat, or someone purchasing
a property at auction, brokers can
utilise these lenders to find solutions
to complex deals that might otherwise
be declined by a high street bank.
Beyond finance, brokers can also
support landlords in navigating
regulatory change. This might
involve helping clients understand
the implications of the Renters’ Rights
Bill, advising on tenancy agreements,
or signposting to legal and property
management services.
Similarly, with energy efficiency
becoming a long-term priority,
brokers can encourage landlords to
plan ahead for EPC upgrades and
explore finance options for green
improvements.”
Operating through
a limited company can
offer tax advantages,
particularly for higherrate taxpayers”
The new broker
Ultimately, the role of the broker
is evolving. In a more complex and
regulated market, landlords need
more than just access to funding, they
need insight, strategy, and support.
By staying informed about market
trends, understanding the full range
of lending options, and building
strong relationships with specialist
providers, brokers can position
themselves as indispensable partners
to their BTL clients.
While lenders like Together offer
valuable tools, the broker’s strength
lies in their ability to tailor solutions to
each landlord’s unique circumstances.
Whether it’s restructuring a
portfolio, navigating tax changes,
or planning for future regulation,
brokers can help landlord
customers adapt and succeed in a
changing market. ●
September 2025 | The Intermediary
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