As borrowing costs climb back to levels last seen in late 2023, landlords are being forced to rethink not only how they finance their portfolios, but how they sustain profitability in a more challenging and complex market.

Recent analysis from Zoopla has revealed a striking reality about the UK housing market—almost half of homes listed for sale over the past three years have failed to secure a buyer. For many homeowners, this may come as a surprise. After all, property has long been seen as one of the most reliable assets.

The latest figures from UK Finance offer a fascinating snapshot of the UK’s buy-to-let sector as we moved through the final quarter of 2025. On the surface, the numbers paint a picture of growth and resilience—but as with much of today’s property market, the reality is more nuanced. Activity is up, but confidence remains cautious.

For tenants, April is a useful point to pause and plan. With rents still rising across the UK and the first phase of rental reform approaching in England, this is a good time to review your budget, renewal options and next move.