Letting property requires more time and money than expected, according to newly released analysis from Pegasus Insight.

Wealthy investors are pivoting toward buy-to-let and private assets as tax shelters run out.

New two-year fixed rates start from 4.54%, with five-year fixes from 5.10% on standard properties up to 75% LTV.

Research by Dwelly has found an annual increase of 13.8% in the average cost of a void period between December 2024 and December 2025.

The lender's standard range now starts at 2.74%, while its specialist range begins at 2.79% following the latest cuts.

The launch follows last week’s introduction of two new two-year tracker products and two zero-fee, five-year fixed-rate options, also within the Premier range.

Demand for two and three-bedroom homes is outpacing smaller properties in six regional markets, reflecting renters staying in the sector for longer.

Buy-to-let lending accounted for 8.2% of total mortgage lending in Q3 2025.

Standard buy-to-let two-year fixed rates fall by up to 0.19%, starting from 4.12%.

77% of tenants with landlords living within 40 miles reported positive experiences, compared with 71% for those farther away.