Oli Williamson, co-founder and chief underwriting officer, Aspect Insurance, explores how rising economic pressures, regulatory changes, and property vacancies are increasing risks for...

Funding included five-year fixed, interest-only mortgages at up to 75% LTV.

Average rents in England rose by 2% year on year in February, down from 4% a year earlier.

Pricing at 75% LTV has dropped from 1.00% pm to 0.90% pm.

Complaint enquiries increased by 47% in 2025, with lettings remaining the largest source of disputes.

Limited companies accounted for 43% of mortgaged buy-to-let purchases in 2025, up from 35% in 2024.

Total housing transactions in 2025 were 10% higher than in 2024.

Rent growth for new tenancies slowed to just 1.9% in the year to November 2025, the lowest rate in four years.

Service charges have risen 55.6% over the past decade, outpacing CPI inflation, which grew 39.8% over the same period.

The new deal secured a lower rate than the client’s previous lending arrangements.