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us- Finance
Our December 2025 survey suggests that while budget shifts remain a key consideration, many UK landlords are prioritizing portfolio resilience and strategic growth for the year ahead.
Respondents could select multiple options - showing diverse and active portfolio strategies
Acquisition represents the largest share (23%) of planned investment activity, demonstrating continued confidence in property as an investment class.
Combined, 66% of planned activity relates to growth (acquiring, refinancing, refurbishing) - indicating active engagement rather than passive holding.
How landlords plan to approach property investment in the coming year
Key Insight: A third of landlords (33%) report an increased appetite for investment, seeing opportunity where others see risk.
Notable: Confidence levels are nearly split, with 45% remaining "very confident" about the market's future.
How landlords are adapting their approach in response to market conditions
Which announced changes are landlords most focused on
In light of budget changes, are landlords reconsidering their ownership structure
Selected responses on budget impact and policy suggestions
"With higher mortgage rates it was already difficult to make a profit, higher tax on the already punitive tax policy means a real risk of running at a loss."
"2% increase on rental income means I have to review my rents to reflect this and have to be passed on to the tenants."
"Its made me think is Ltd best for me."
"I would suggest creating a defaulting tenant portal accessible by landlords to assess potential new tenants."
"Private landlords provide an essential service to the rental sector. The government should not treat private individuals less favourably than commercial entities."
"Delete Section 24."
23% of planned activity focuses on acquiring new properties - the largest single category in the survey.
66% of planned activity relates to growth (acquisitions, refinancing, refurbishments), showing continued portfolio commitment.
58% favour long-term buy and hold as their primary 2026 strategy, indicating stable, patient investment approaches.
Market confidence is nearly evenly split, with 45% "very confident" vs 43% "very concerned" - creating opportunities for decisive investors.
This survey was conducted by Lendlord.io in December 2025, targeting UK-based landlords who own at least one buy-to-let property. The survey was distributed via email to Lendlord.io registered users.
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This survey data is drawn exclusively from our community of active property investors - providing unique insights you won't find anywhere else. Our respondents represent serious, engaged landlords making real investment decisions.
From deal analysis to tax calculations, mortgage tracking to portfolio performance - Lendlord.io gives landlords the tools they need to make informed investment decisions in any market condition.
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