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Pension reforms lead to increase in number of buy-to-let mortgages

Increased pension freedom for the over-55s has led to an increase in the number of buy-to-let mortgages that are available in the UK market.

UK Retirement Investment Opportunity

Increased pension freedom for the over-55s has led to an increase in the number of buy-to-let mortgages that are available in the UK market.

Since the release of the new pensions reforms in April, the demand for buy-to-let investments from among the over-55s has increased, with the highest number of buy-to-let mortgages since 2008’s financial crisis available on the UK’s high streets.


Banks and building societies are offering more than 1,000 different buy-to-let loans in the wake of the changes, with pensioners seen as a key factor in the growing buy-to-let property market. As demand has grown and competition has increased, loan rates have fallen from the previous 2008 peak of 6.6% to 3.6%, allowing more people than ever before to invest in property.


Whilst research conducted prior to the release of new pensions freedoms suggested that a large number of over-55s would be looking to invest in property upon the release of the new rules, many pensioners remain cautious about the possibility of managing a property themselves.


This has seen a rise in the number of investments that have been made in fully managed properties, with residential and student properties proving particularly popular with this demographic of property purchaser.

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