Lendlord Blog
Guides, market insights and product news for landlords and property investors.
Why 78% of Bridging Borrowers Use a Company
About 78% of recent Lendlord bridging deals were in a company. Median loan £90,000. About 68% of those were set up to refinance.
Will this BTL remortgage clear cashflow on today's rates?
A £182,000 interest-only remortgage at 5.25% leaves about £234 a month before tax on £1,250 rent. Same-owner stamp duty is £0.
436,000 Sent Their First MTD Update. About 428,000 Did Not
HMRC counted 436,000 first MTD updates from 864,000 in scope, and 259,000 of that group have rental income. Here is what a missed Q1 means before 7 November.
How to Build Your Rental Register Pack Before 15 December
GOV.UK asks for your landlord entry first, then two parts per let. Gather gas, EICR, EPC and licence details now so each entry takes minutes.
5 Landlord Compliance Apps Reviewed - Only One Covers MTD, Tax and Finance
Certificate expiry is table stakes. Compare Information Sheets, Property Register, HMRC filing and in-app finance across five landlord tools.
Is Your MTD Q2 Update Ready to Send by 7 November?
Q2 ran 6 July to 5 October 2026. Count agent rent on the day your agent received it, add Q2 costs, then send the update from Lendlord by 7 November.
Landlord Tax Calculator: What 20% and 40% Actually Cost
Work out UK landlord tax on rental income for 2026/27: bands, Section 24 finance-cost credit, and two worked examples before you trust any calculator.
Small Landlords Buy in the South East. The 20+ Crowd Buys in the North West
The South East holds 14.5% of landlords with 1 to 3 properties but 5.4% of those with 20 or more. The North West doubles to 19.6%. Full regional split by segment.
38% of BTL Mortgages Expire Within 12 Months. Is Yours One?
Lendlord's buy-to-let market research puts 38% of BTL mortgages inside a 12-month expiry window. Here is the sequence to run before yours lands.
Your Agent Supplied the Tenancy Agreement, but Who Checked It?
Nearly half of landlords let their agent supply the paperwork, and 90.6% never had it reviewed. Five questions that show whether the wording protects you.
Two Thirds of Bridges Redeem Early. A Quarter Still Need an Extension
174 refinance exits against 92 sales in Lendlord's latest 272 bridging deals. See how often each one clears before the scheduled date.
Is Your Rental Portfolio Profitable? The Median Nets £11,471 ---
Lendlord Benchmarks, August 2026: median net cash flow £11,471 across four to ten property portfolios. The lower band runs at a loss. See where yours sits.
HMO Inspection Documents: What to File Before the Visit
England HMO document pack: gas, EICR, fire, amenities. File proof in one place before the council asks, then send it in days not weeks.
After Your First MTD Update: What to Fix Before 7 November
Q1 was due 7 August. Soft landing is not a free pass. Clean digital records now, then file your second MTD quarterly update by 7 November 2026.
Can You Bridge With No Kitchen? 93 Deals Say Yes
93 of Lendlord's latest 272 bridging deals were unmodernised with no kitchen or water. Median loan £95,625. Price works before you complete.
What 112 Auction Bridges Reveal in Lendlord's Latest 272 Deals
In Lendlord's latest 272 bridging deals, 112 were auction-tagged: median loan £80,125, 84% company-owned, 71% refinance exits, and 42-day median funds since 2025.
BTL Stress Test and ICR Calculator: Check Affordability Before You Remortgage
Use a BTL stress test and ICR calculator with UK lender bands, worked examples, and Q3 2026 rate context for private and company landlords.
The 11-Property Tipping Point: When UK BTL Stops Being Personal
Company ownership crosses 50% in the 11-20 property band in Lendlord Q3 2026 data. See when BTL stops being personal, and model Ltd vs personal before you incorporate.
Landlord Possession Claims Rose 6% After the Renters Rights Act. Completed Repossessions Did Not.
MoJ Apr-Jun 2026 data: landlord possession claims up 6% while bailiff repossessions fell 3%. What the gap means for Section 8 evidence.
AI Refurb Costs vs a Real Quote: Check Lendlord AI Before You Bid
How to check a Lendlord AI refurb cost breakdown against a contractor quote before you bid. Scope, VAT, extras, and when to rerun the deal.
Landlords Are Winning 10%+ Off Asking Again: How to Model the Deal Before You Bid
Hamptons data shows landlords paid 88.7% of asking in July 2026. See where discounts are widest, how rents are rising, and how to model the deal before you bid.
UK Tenant Demand Rises as Landlords Keep Selling: How to Buy Lettable Stock
63% of UK landlords report strong tenant demand in Q2 2026, but many are still selling. Source deals with Lendlord AI alerts and underwrite in the Deal Analyser before you offer.
AI Refurb Costs vs a Real Quote: Check Lendlord AI Before You Bid
Check Lendlord AI's refurb cost breakdown against a contractor quote before you bid. Align spec, VAT and extras, then rerun the deal.
UK Landlord Compliance Calendar 2026: Deadlines Still Ticking
UK landlord compliance calendar for August 2026 onwards: MTD, Renters Rights Act, PRS database, MEES, and fines. Track duties in Lendlord's compliance hub.