The buy-to-let market in 2026 continues to evolve under the influence of shifting interest rates, regulatory adjustments, and changing rental demand across many regions. For landlords and investors, understanding how financing works and what factors affect affordability has become increasingly important when evaluating long-term returns https://smartcitymortgages.co.....uk/buy-to-let-mortga . A buy-to-let mortgage is a type of loan designed specifically for individuals who purchase property with the intention of renting it out rather than living in it. Unlike residential mortgages, these products are assessed primarily on the expected rental income rather than solely on personal earnings. Lenders typically require a higher deposit, often starting from 20–25%, and interest rates can be slightly higher due to perceived investment risk.