More UK landlords are planning to refinance their property portfolios to fund new investments in the coming year, according to research from specialist lender Together.
Together, it found that 76% of landlords are likely to refinance their portfolios within the next twelve months.
More than a third (36%) said this would be “very likely”, while a further 40% said it was “somewhat likely”. Only 12% said they were unlikely to refinance, while the rest were neutral.
The findings suggest that landlords continue to view housing as an attractive long-term investment, despite years of tax changes and increased regulations, including the impact of the Renters’ Rights Act.
Many are looking to free up equity from existing properties to finance further purchases and expand their portfolios.
The lender’s buy-to-let lending data also points to a shift in investment away from traditional property hotspots.
Since 2020, North West’s share of Together’s buy-to-let loans has increased by 3.3 percentage points. Scotland increased by 2 percentage points, while Yorkshire and the Humber grew by 1.1 percentage points.
By comparison, Greater London and the South East accounted for 20% of Together’s buy-to-let lending in 2025, up from 23.6% in 2020.
The figures suggest that more investors are turning to regional markets, where lower property prices can deliver stronger rental yields and greater potential for capital growth than some more expensive areas in southern England.
Chief Strategy Officer Russell Anderson said: “The fact that more than three-quarters of landlords are considering refinancing their portfolios to fund further investment demonstrates the resilience of the UK buy-to-let sector.
“Rather than sitting on existing assets, many investors are looking to release and reinvest equity, which is a sign of confidence in future market opportunities. They are also seeking financing for their entire existing portfolios to expand their real estate ambitions.”