Industry News Update - What Property Investors Need to Know Now
The property market continues to move quickly following the Autumn Budget, with shifting sentiment across lending, regulation and investor behaviour. While headlines often focus on uncertainty, the underlying indicators tell a far more constructive story, particularly for professional investors and developers operating through company structures.
At REALM 47, we monitor the wider market through the lens that matters most - what supports sustainable acquisition, scalable portfolios and long term performance.
Mortgage Market Update: Company Lending and Investor Appetite
Lending conditions for property investors, particularly those purchasing through limited companies, remain resilient.
Specialist lenders continue to show strong appetite for professional landlords and developers, especially for HMOs, multi-unit blocks and mixed-use assets.
Mortgage interest rates for HMOs are currently sitting in the 4% range, with some products edging into the 5% bracket; these are historically competitive and present strong rates for portfolio growth.
Swap rates have eased, supporting improved pricing over time, particularly for experienced borrowers with strong track records.
For investors operating at scale, this reinforces the importance of portfolio planning and lender alignment, rather than reactive borrowing decisions.
Rental Demand vs Supply: A Market Still Under Pressure
The imbalance between rental demand and available stock remains pronounced across the UK.
Tenant demand continues to outstrip supply in most regions.
Rental stock is tightening further as some landlords exit the market following tax and regulatory changes.
Well presented, compliant properties are letting quickly and commanding strong rents.
For investors holding quality assets, this environment supports rental resilience, longer tenancies and predictable cashflow.
Landlord Exits vs Professional Investor Entry
One of the most notable trends we continue to see is the changing profile of the landlord base.
Smaller, highly leveraged landlords are choosing to exit - often selling tired or under managed stock.
At the same time, professional investors are stepping in, acquiring going concerns, portfolios and value led assets with long term intent.
This shift is creating opportunities to purchase income producing properties with established rental histories, often at more realistic pricing.
Regulatory Landscape: What Investors Should Be Watching
Regulatory reform continues to shape the sector, with the Renters’ Reform Bill and EPC changes remaining key areas of focus.
The upcoming changes reinforce the importance of property quality, documentation and compliance.
Investors who maintain high standards and plan ahead are best positioned to navigate these reforms with minimal disruption.
For a full breakdown, see our recent blog on the Renters’ Right Act 2026 here.
Bank of England Base Rate: A Shift in the Right Direction
The Bank of England has now confirmed a reduction in the base rate, cutting it to 3.75%. This marks an important turning point for property investors and developers after a prolonged period of higher interest rates.
While base rate movements do not feed directly into mortgage pricing overnight, with swap rates playing a key role. Funding costs are stabilising, lender confidence is improving and the outlook for medium term borrowing is becoming more predictable.
For professional investors operating through limited companies, this is particularly encouraging. Over recent months, we’ve already seen increased competition among lenders, more flexible underwriting and stronger appetite for assets such as HMOs, multi-unit properties and mixed-use investments. This base rate reduction adds further momentum to that trend.
Importantly, this shift supports longer term planning. Investors looking to acquire now, refinance in future or build portfolios at scale are entering a phase where financing conditions are gradually becoming more favourable again, even if pricing improvements continue to filter through over time.
In our view, this is not about chasing short term rate movements, but recognising that the interest rate environment is moving back toward a more sustainable footing for professional property investment.
Final Words
Despite continued change, the fundamentals remain clear, professional, well capitalised investors are in a strong position, particularly those operating through company structures, focusing on scalable assets and taking a long term view.
The market is shifting in favour of investors who are informed, prepared and able to move decisively when the right opportunities arise. Rental demand remains strong, lending appetite for experienced investors continues and increased regulation is raising the standard of the sector, not weakening it.
If you’d like to stay ahead of market changes and access investment ready property opportunities, we invite you to join the REALM 47 Investor ClubHouse.
The Investor ClubHouse is free to join and provides access to:
24 hour priority access to high yield deals, before they reach the open market.
A carefully curated selection of investment opportunities, aligned with your goals and complete with key financial details to support informed decision making.
The ability to submit personalised Hunting Briefs, so we can help source properties tailored to your exact requirements.
Access to exclusive course content and educational resources, helping you build your knowledge and sharpen your competitive edge.
Invitations to private events, where you can network and socialise with other serious investors and gain insights from industry professionals.
It’s designed for investors who want clarity, consistency and access, without noise. Join the Investor ClubHouse here.