Your home may be repossessed if you do not keep up repayments on your mortgage.
Being a landlord in 2026 means thinking about more than buying a property and finding tenants.
You now need to balance property finance, rental yield, tenant rights, EPC expectations and long-term planning. With regulation evolving and costs still a key concern, landlords are taking a more considered approach before making their next move.
This page brings everything together in one place. It covers landlord mortgage options, property finance, key regulation updates and practical next steps.
At Together, we take a common-sense approach. We look at your full situation, including your income, your property and your plans. Whether you’re getting started, refinancing or managing a portfolio, we’ll help you understand what’s possible and what comes next.
If you’re just starting out, it helps to step back and look at the full picture.
Focus on:
Talking this through early can help you avoid surprises later. For many first-time landlords, the most useful step is discussing the full picture before committing.
Yes, it’s possible, even if becoming a landlord wasn’t part of your original plan.
First-time landlords include both new investors and accidental landlords renting out an existing property. Approval depends on:
At Together, we assess each case individually. We’ll take the time to understand your position and talk through your options with you. We can consider first-time landlords on a case-by-case basis, subject to criteria, even if your situation is unplanned.
It depends on how well everything is planned and structured.
Landlords today are balancing higher costs and tighter regulation with continued rental demand.
What matters most is:
The market can favour landlords who plan carefully and structure finance appropriately.
We support a range of landlord finance options, including portfolio properties and more complex scenarios, subject to criteria.
If you’re renting out a property, a buy to let mortgage is usually the starting point.
Unlike residential mortgages, affordability is often based on expected rental income alongside your wider financial position.
Many landlords choose an interest-only mortgage. This can help keep monthly payments lower, but you’ll need a clear plan to repay the original loan at the end.
A repayment mortgage reduces the balance over time because payments include both interest and capital. Monthly costs are higher, but the loan gradually decreases.
You could also choose between:
At Together, we support:
We can consider a wide range of income types and property types, including cases that don’t always fit high street criteria, such as non-standard construction or flats above commercial premises.
Property investment finance isn’t limited to standard buy to let borrowing.
| Option | Use case |
|---|---|
| Buy to let mortgage | Buying or refinancing rental property |
| Portfolio finance | Managing multiple properties |
| Commercial mortgage | Commercial or mixed-use property |
| Secured loan | Raising funds from existing property |
| Limited company BTL | Limited company BTL Structuring ownership through a company |
| Bridging finance | Short-term or time-sensitive funding |
At Together, we support a wide range of landlord scenarios, including more complex cases. We’ll help you explore which option fits your plans best.
Do you want to understand the potential cost of your mortgage or loan?
We can give you an idea of the monthly costs with just a few details like the property value, your deposit amount and how long you need the loan to last.
Find out hereLandlord mortgage requirements typically focus on four key areas.
At Together, you’ll need a minimum of 25% deposit or equity. In some cases, you may be able to use equity from another property as additional security, depending on your circumstances.
Affordability is often based on whether rental income can cover mortgage payments. Personal income may also be considered.
Some properties need more flexible assessment, including:
At Together, buy to let loans typically range from £30,000 to £4.5 million, with more possible depending on your circumstances.
Rather than focusing on one factor, we look at the overall picture to understand what could work for you.
Rental yield helps estimate return on a rental property. It affects affordability, cash flow and long-term resilience.
Gross yield is calculated as annual rent divided by property value, multiplied by 100.
For example, £12,000 annual rent on a £200,000 property gives a 6% gross yield.
Net yield goes further by including costs such as:
This gives a more realistic view of how a property is performing.
We can help you explore finance options, but you should assess your numbers carefully and seek professional advice where needed.
Regulation is now part of financial planning for landlords. Changes can affect:
The Renters’ Rights Act 2025 introduces major changes from May 2026, including the end of Section 21 “no-fault” evictions.
This means landlords need to plan more carefully around tenancy structure, documentation and timelines. A property must work financially after factoring in compliance.
The Act signals a shift towards a more structured rental market. Here are the most significant changes:
Landlords will need clearer records, stronger processes and more planning.
It doesn’t mean the end of opportunity, but it does mean taking a more considered approach from the start.
EPC ratings measure how energy efficient a property is, while MEES sets the minimum standard required to let it.
At the moment, most rented properties need an EPC rating of E or above to be legally let.
However, proposed changes suggest this could tighten to:
These targets aren’t confirmed in law yet, but they show the likely direction of travel. For landlords, that creates a practical challenge. It’s not just about meeting today’s rules, but thinking ahead to what may be required in the future.
These rules are relevant because they can affect:
This is especially important for older or lower-rated properties. If improvements are needed, landlords might need to factor in funding and timing before rental income begins.
Being a landlord in 2026 is about balancing opportunity with responsibility.
Finance, regulation, EPC standards and rental yield are all connected. Looking at them together helps you make clearer, more confident decisions.
At Together, we take the time to understand your situation and help you explore practical ways forward, whether you’re starting out or managing a growing portfolio.
We can help you explore landlord finance options based on your situation. If you’re thinking about your next step, we’re here to help you talk it through.
Landlords have several options, depending on their property and plans. These include buy to let mortgages, portfolio finance, commercial mortgages, secured loans and bridging finance.
The right option depends on factors like rental income, property type and long-term goals. At Together, we look at your full situation to help you explore what could work.
Yes, first-time landlords can often get a buy to let mortgage, even if they’ve never owned a rental property before. Lenders will assess your deposit, expected rental income, personal income and the property itself.
At Together, we take a case-by-case approach, so we can often consider situations that don’t fit a standard profile.
In most cases, you’ll need at least a 25% deposit or equivalent equity. This can come from savings or from another property you already own. The exact requirement can vary depending on the deal and your circumstances. We’ll look at your overall position to understand how much you may be able to borrow.
Rental yield is a way of measuring the return you’re getting from a rental property. Gross yield looks at rent compared to property value, while net yield includes costs like mortgage payments, maintenance and void periods. Looking at net yield can give you a clearer picture of how your investment is performing over time.
Regulation now plays a bigger role in how landlords manage their properties. Changes like the Renters’ Rights Act affect tenancy agreements, eviction processes and rent increases. These rules can also impact costs and long-term planning. Reading up on evolving legislation can make it easier to structure your investment more effectively and avoid issues later.
Yes, EPC rules can have a direct impact on property finance. A lower EPC rating may limit your ability to let the property, which can affect rental income and borrowing options. It may also mean you need to fund improvements before refinancing. At Together, we can help you explore how to approach this as part of your wider plan.
Your home may be repossessed if you do not keep up repayments on your mortgage.
All lending decisions are based on lending criteria and, where applicable, subject to credit check and an assessment of individual circumstances.
All mortgages are subject to our terms and conditions.
Loans offered by Together Commercial Finance Limited are not regulated by the Financial Conduct Authority.
