Your need-to-know news and numbers: April 2025.

A move into the Spring sees the trees blossom, longer days stretch out ahead and ongoing changes in property market as the impact of the Autumn Budget’s coupled with the Spring Statement make their mark…

Let’s take a look at some of the top stories in the sector

2.9%

The UK property market has continued to show remarkable resilience, with house prices rising by 2.9% year-on-year – with landlords and investors spotting opportunities for growth, according to the Residential Landlord.

Landlords will be keeping a close eye on the sector and lending conditions – with more looking towards alternative financing solutions. Tanya Elmaz , Director of Intermediary Sales at Together, shared her thoughts and highlighted the growing demand for flexible finance: “There are plenty of opportunities out there, whether that be for aspiring homebuyers or landlords looking to invest. Those keen to move forward with their property plans are best to consider the wide range of financial products available, like Shared Ownership or bridging loans for fast, flexible finance.”

400,000

The number of buy to let limited companies in the UK has surpassed 400,000 for the first time, as more landlords look for ways to minimise the tax they pay on their rental profits. As the role of the landlord becomes professionalised, many accidental and ‘side hustle’ Buy to Let owners are incorporating or departing the sector presenting new opportunities to those wishing to build their portfolios.

The record figure, highlighted by Hamptons, is based off analysis of Companies House data which also points out that 2024 saw 61,517 buy to let companies registered for incorporation – an astonishing 23 percent increase on the previous year.

If you’re a landlord wondering if incorporating is right for you, check out our helpful guide on the benefits, risks and processes of setting up your buy to let company as a limited company.

2%

The Bank of England’s interest rate has been moving up and down to try and keep inflation steady at around 2%. The Office for National Statistics (ONS) tracks the price of hundreds of items every day, including tracking different mortgage rates across the financial industry to help The Bank of England make these impactful decisions.

Detailing the intrinsic relationship between interest rates and inflation, Tanya Elmaz , Director of Intermediary Sales at Together, explained to The Times money mentor “mortgage rates could remain higher for longer , which could delay some buyers getting onto or stepping up the housing ladder”. In a competitive field, lenders have to remain combative with their products when setting rates as they fight for their share.

08.03.2025

March marked the celebration of International Women’s Week , and the theme of this year’s campaign being #AccelerateAction. Tanya Elmaz , Director of Intermediary Sales at Together, discussed the important topic of celebrating the achievements of women and advocating for progress with issues that affect women with Mortgage Solutions.

According to research and anecdotal evidence, women often feel they need to work harder than their male counterparts. Tanya’s story covers her entrance into the field of finance to where she is now in her career recognising her own journey in what can be deemed to be a very much male-dominated sector.

20%

According to Zoopla, the average first time buyer mortgage could be as much 20% lower than the average rent. However, the startling stat, included in an article by The Standard, is caveated by the fact that buyers will need to provide a 20% deposit (which would average around £50,000).

The news demonstrates that many renters could easily afford their mortgage payments, with many already paying more in rental fees, if only the hurdle of a deposit could be overcome. However, the rising cost of living and increasing rents mean that many potential first-time buyers are still struggling to get a foot on the ladder. Even if deposits can be amassed an increasing number are still being rejected due to issues with their credit.

At Together, our first time buyer mortgages can help people take that first step into property ownership, as we use common sense to assess financial situations (not just their credit history), and we can accept gifted deposits (increasingly from the Bank of Mum and Dad).

As always, we’ll be back with another property news round-up next month.

But, in the meantime, keep up to date by following us on our socials – we’re over on LinkedIn, Instagram and X.