Nearly four in 10 landlords plan to remortgage in the next 12 months, according to Q1 2026 Landlord Trends research from Pegasus Insight.
Landlords expecting to refinance said they would remortgage an average of 2.7 loans each, showing ongoing demand for buy-to-let (BTL) borrowing.
Larger portfolio landlords are set to drive activity, with 56% of those holding four or more mortgages planning to remortgage compared to 24% of landlords with one to three mortgages.
Separate research showed tenants have spent an average of 8.2 years in rented accommodation, including more than five years in their current property.
Two thirds of tenants said they intend to stay when their agreement ends, supporting consistent rental income for landlords.
Mark Long, founder and managing director of Pegasus Insight, said: “While much of the recent discussion around the private rented sector has focused on the potential negative impact of the Renters Rights Act and the threat of future rent controls, these findings highlight the continued scale of borrowing activity taking place across the landlord market.
“Landlords are not standing still – many are actively refinancing, restructuring borrowing and reviewing funding arrangements across multiple properties, creating continued demand for dedicated buy-to-let lending and expert advice.
“What also stands out is the stability underpinning the sector.”
Long added: “Tenant demand remains resilient and tenancies are often long term in nature, helping to provide landlords with relatively predictable rental income over extended periods.
“That combination of sustained refinancing activity and stable occupancy continues to make the buy-to-let market an important area of opportunity for lenders and intermediaries alike.”