UK: Buy To Let Lending

The UK buy-to-let mortgage market has boomed in recent years – a fact that has been well documented both in the press and by the industry itself.

A number of niche mortgage markets have witnessed strong growth over the past few years, with the buy-to-let market proving to be the fastest growing niche sector.


In fact, the UK buy-to-let mortgage market has outperformed the UK total secured lending market with an average annual growth rate of 45.7% (compared to the average growth rate for the market of 17.9%) over the last 7 years. As a result the buy-to-let market was worth £38.4 billion by the end of 2006.

The growth in 2006 was particularly driven by demand from non-professionals, following a more subdued performance in the second half of 2004 and early 2005.