Average rental yields across England and Wales reached 7.7%, rising 0.3% annually and 0.2% quarterly in Q4 2025.

Total mortgage searches reached 1,088,120 in December, down 22.6% month on month but up 10.75% compared with the same period last year.

The lender continues to operate as a UK non-bank specialist buy-to-let provider using manual underwriting.

The lender's new Scottish buy-to-let product offers loans of up to £750,000 at a maximum of 75% LTV.

Over 20% of all business placed by The Right Mortgage in 2025 was for buy-to-let, up from just over 13% in 2024.

Together has reduced rates by up to 25 basis points across regulated and unregulated products following the Bank of England's base rate cut in December.

Two-year fixed buy-to-let rates have fallen by up to 25bps, with five-year fixes reduced by up to 15bps.

The LTV increase forms part of the society’s broader focus on specialist lending.

HSBC UK launched 80% loan-to-value mortgage products in March 2025 and introduced top slicing in October 2025, enabling landlords to use personal income when rental income falls...

The specialist lender has also removed minimum income requirements across all buy-to-let products, with individual units accepted from 25 square metres.