The new legislation comes into effect on 1 May 2026.

Keystone’s digital and operational upgrades have been a core focus over the past 12 months, driving changes across valuations, legal panels and document handling.

First-time buyer activity rose around 20% compared to 2024, with high loan-to-value lending reaching its highest level in over a decade.

Two new Premier 75% LTV products have been launched: 5.24% zero fee and 2.74% with 5% fee.

Borrowers can now access loan amounts from £100k+ up to 75% LTV.

Houses in Multiple Occupation achieved the highest yields at the end of 2025 at 8.61%, up 0.20 percentage points year-on-year.

Portfolio landlords can now borrow from £500k up to £20m on the same pricing.

Outer London experienced the largest year-on-year increase in let agreed properties, rising 14.1%.

Rental availability is on the up despite reform fears.

Six applicants competed for each rental property in November