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A Clearer View

March 2025
Flowers in front of a red brick house

Mortgage rates begin to fall - can we assist making your investment property work for you?

Time to review your buy-to-let mortgage?

The buy-to-let mortgage market has seen a welcome shift in recent months, with rates becoming increasingly competitive. As the Bank of England’s base rate continues to fall—currently at 4.5%, down from its recent peak of 5.25%—landlords could now have an opportunity to secure more favourable mortgage deals.

For landlords with smaller portfolios, we're now seeing buy-to-let rates within just 0.3% of residential mortgage rates. There are also highly competitive fixed-rate deals available in the early 4% range – presenting a good opportunity to review your current lending arrangements.

What factors impact your mortgage rate?

Several key factors influence the rates available to landlords:

  • Loan-to-value (LTV): A lower LTV often means access to better rates.
  • EPC rating: More energy-efficient properties could offer more favourable terms.
  • Rental income & property type: Lenders assess how much rental income the property generates and the tenancy structure.
  • Ownership structure: Whether you hold properties in your personal name or through a limited company impacts your mortgage options.

Since changes to mortgage interest rate relief in 2017 (known as Section 24), landlords have faced a continual reduction in tax relief through investments held in personal names. Under a limited company buy-to-let, landlords can typically offset 100% of their interest payments against their tax bill, potentially leading to substantial savings. This tax change has driven demand for limited company buy-to-let mortgages, transforming them from a niche product for large investors into a mainstream financing option.

Find an edge in today’s mortgage market

Carter Jonas is committed to helping our landlords’ investments work for them, from delivering excellent customer service, to ensuring we partner with the best financial services to help you save money on your rate and maximise your investment.

Understanding what influences mortgage rates—and structuring your portfolio accordingly—is key to optimise your property investments. With the right mortgage strategy, you could reduce interest costs and improve long-term profitability.

That’s why working with a mortgage expert you can trust is essential. We work with Private Finance who combine in-house expertise with first-hand landlord experience, giving them unique insight into the challenges you face. With access to the whole mortgage market and use of over 180 lenders, they ensure you get the best deal tailored to your circumstances.

Get expert advice today

To qualify for a free review of your investment and funding strategy, please contact your local Carter Jonas head of lettings and they can arrange to introduce you to our dedicated Private Finance representative for your area.

If we can assist with anything else, including an up to date market appraisal for sales or lettings, please do let us know.

Please note, Private Finance is not a tax advisor, and this page does not constitute tax advice. Should you like us to introduce you to a specialist in this area, please let us know.

Get in touch
Lisa Simon heads up our Residential Division, which includes sales, new homes, BTR, lettings and property management across our national network. She joined Carter Jonas in 2011 and has over thirty years' experience largely in London and the Home Counties working with Landlords and Tenants. Lisa oversees the day to day running of our residential offices and acts as a key contact for our Christies International Real Estate Affiliates and some of our lettings portfolio clients. She also oversees our corporate services department liaising and promoting our properties to companies and their relocation agents.
Aileen lives locally and knows the Barnes area very well, having grown up over the bridge in Hammersmith. She has worked in the property industry for over 20 years and enjoys all aspects of the job; including client relations, and liaising with landlords and tenants from the beginning of the tenancy process to the end.
Having amassed nearly 20 years experience in the industry following a career in the city, Wayland's knowledge and experience is second to none. He is a keen 5 a-side footballer and supports Fulham. He can regularly be seen cheering the home side with his sons at Craven Cottage. He also enjoys jogging and cycling, even completing a few marathons.
Igor gained experience at two large estate agencies before joining Carter Jonas in August 2015. He speaks fluent Russian and lives in Barnes. In 2019 Igor was named Best Letting Agent in SW6 for the All Agents Peoples Awards for Customer Experience.
Tessa joined Carter Jonas in 1994, initially working in Wandsworth and subsequently in Fulham. Prior to this she worked for the Foreign Office. She has lived 'between the commons' for 25 years and has an extensive knowledge of the area.
Have worked in prime central London estate agency since 1998. Started at the bottom and worked my way up in Residential Lettings & Property Management and have worked at three companies including Carter Jonas in that time and now also Sales. Genuine passion for property and providing knowledgeable, comprehensive advice.
Samuel joined Carter Jonas in 2011, for two years prior to that he was working in the Surrey property market. In addition to Estate Agency, Samuel also has experience working in the London construction and property development industries. Samuel spends much of his spare time either with his young daughter or playing golf.
David brings extensive experience in the London lettings market, having worked with some of the city's largest estate agencies. He joined Carter Jonas in 2015 to lead the Fulham office, before transitioning to head the prestigious Marylebone office in 2019. In his current role, David manages a diverse portfolio of private clients and estates, including high-profile entities such as The Portman Estate and The Howard de Walden Estate.With a dynamic and client-focused approach, David is dedicated to fostering strong, lasting relationships. His deep industry knowledge, coupled with a keen understanding of the increasing regulatory landscape, enables him to provide expert guidance and exceptional service to his clients, ensuring their needs are always met with the utmost care and professionalism.
Kim has been an estate agent in the Mayfair lettings market for over 20 years and advises on all aspects of lettings, including appraisals, refurbishment and furnishing of rental properties. She can provide advice on the Landlord services we offer, including property management and super prime.
Victoria joined Carter Jonas following a very successful placement at our Winchester office. Victoria has been with the company for the past eight years and brings a wealth of knowledge to our new Southfields team, as well as her enthusiasm and desire to build a career in the property industry.
Isabelle advises on all aspects of buying and selling property across Wandsworth, working closely with buyers, developers and investors in acquisitions. Experienced in business development, negotiation and structuring deals, Isabelle, a Business graduate of Stirling University, is a long term Wandsworth resident, living near Wandsworth Common with her husband and their two children and dog.
Fiona has been running Wandsworth lettings since 1999 having previously worked in central London. Her vast experience covers residential letting and management for both private/investor and portfolio clients. Prior to this Fiona worked for Sotheby's with modern and contemporary prints. She lives in Bellevue village and has an enviably short commute to work.
David opened the Bath Office in 2011, having worked in Bath since 2000, covering Bath and the surrounding counties of Somerset, Wiltshire and South Gloucestershire. David specialises in the sale of a wide range of properties in both the city and countryside and in all price ranges. Clients range from private individuals to large corporations, charities and local councils.
Sharon has run the lettings department in Bath since its opening in 2011, having been in the residential agency business, both sales and lettings, since 2000. Sharon helps her clients maximise their rental potential, and advises on city flats, town houses and country houses.
Tony has been with Carter Jonas since 1996 and has over 30 years experience in the industry. Handling the sale of a wide variety of property throughout the Yorkshire area, Tony has a vast experience and expertise in the sale of period houses, town houses and apartments in Harrogate as well as new developments.
David is the Lettings Manager in the York office covering all aspects of the business including advice on pre-letting prospects, market rent, market appraisals, viewings, let progression and property management. David is also a member of ARLA to ensure both the business and landlords comply with all legislative requirements, policies and procedures.
Rupert has lived and worked in the Newbury area for over 25 years and has experience of advising home owners on the sale of their properties both in the town and the villages.
Fiona has worked in the lettings industry for over 20 years, and has run the lettings department in Newbury for the past 17 years, advising both private and corporate clients on a wide range of residential tenancy matters. Having grown up in the area and spent most of her life here, she has extensive local market knowledge. She really enjoys the outdoor life with her dogs and is a keen athlete, having completed a few triathlons in recent years.
Simon began his career in property in 1988 and has been based in Abingdon on Thames, Oxfordshire for 20 years. During this time, Simon has built up many relationships with both private clients and businesses including developers and law firms. Simon is very happy dealing with all types of residential property and also has a large amount of experience in dealing with new homes for private developers and national house builders.
Chris is a partner and manages the Oxford lettings team who specialises in the letting of a wide range of properties from village houses to modern apartments. He has over 21 years of experience of letting properties in Oxford and the county.
Sophie is a partner and Head of Sales at our Winchester Jewry Street office, and has 22 years experience in the property industry. She has experience in advising clients, carrying out market appraisals and negotiating and progressing property sales. Sophie lives in Hampshire and has an extensive knowledge of the area.
With over 20 years as a valuer and Sales Director, David leverages extensive property knowledge to lead the York office sales team. His experience spans both sales and lettings, enabling full consultancy services. When not at work, David enjoys family time and erratically failing at golf.