## Buy to Let Mortgage Searches Maintain Momentum in February 2026

Buy to let mortgage searches conducted by UK advisers remained robust in February 2026, according to the latest data from Twenty7tec’s Mortgage Market Snapshot. Advisers carried out 291,468 buy to let searches during the month, representing a 2% increase compared to February 2025. Although this figure was 4% lower than January 2026, it demonstrates continued landlord engagement with borrowing options.

Within this total, buy to let remortgage searches rose by 8% year on year, signalling that many landlords are actively reviewing and refinancing their existing mortgage arrangements. This ongoing refinancing activity suggests landlords are seeking to manage their borrowing costs and secure greater certainty in a fluctuating interest rate environment.

## Market Activity Settling After Early Year Surge

Nathan Reilly, Chief Customer Officer at Twenty7tec, commented on the data, noting that the market appears to be settling following a strong rebound in adviser activity at the start of the year. He said:
“February’s figures suggest the market is settling into a more typical rhythm following the strong rebound in adviser activity at the start of the year. While search volumes have moderated slightly month on month, the fact activity remains higher than this time last year highlights the continued resilience of adviser demand.”

Reilly also emphasised the prominence of refinancing as borrowers reassess existing deals, indicating that landlords are prioritising rate certainty amid ongoing economic changes.

## Broader Mortgage Market Trends in February

Across the wider mortgage market, advisers conducted 1,814,583 searches in February 2026. This was 4.6% lower than January but still 3.6% higher than the same month in 2025. Residential remortgage searches accounted for 688,053 of these, a 9% decrease from January but a significant 19% increase year on year.

First-time buyer activity saw a slight decline, with 164,803 searches in February, down 2% from January and 12% lower than February 2025. These figures reflect a cautious approach among new buyers while refinancing remains a key focus for existing homeowners and landlords.

## What This Means for UK Landlords

The sustained level of buy to let mortgage searches and increased remortgaging activity indicate that landlords are actively managing their mortgage portfolios to adapt to market conditions. This behaviour can help landlords secure more favourable borrowing terms or lock in fixed rates, providing greater financial stability in an environment of fluctuating interest rates.

For letting agents and property managers, understanding these trends is important when advising landlord clients on financing options and potential opportunities to refinance or restructure their mortgages.

Suggested internal link anchors
– buy to let mortgage searches
– landlord refinancing
– mortgage market trends
– remortgaging activity
– buy to let borrowing
– interest rate environment
– landlord mortgage options
– residential mortgage searches
– first-time buyer activity
– mortgage adviser demand
– property finance management
– refinancing strategies

TLA update

TLA is launching a new Trusted Partners Hub in Q1 2026, featuring verified and approved service providers selected to support landlords, tenants, and property management businesses. We are inviting legal, trades, insurance, financial, mortgage, tenant screening, and other service providers to register their interest here: https://landlordassociation.org.uk/become-a-tla-service-partner/