The Property Podcast Mortgage Predictions for 2026
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Jan 22, 2026 Mortgage experts Kelly Rule and Nick Shepard join the discussion to unveil their predictions for the market in 2026. They analyze current buy-to-let mortgage rates and suggest where they might head, while revealing the purpose behind rising arrangement fees. Expect insights on which lenders are sharpening their competitive edge and whether stress tests will continue to ease. They also debunk common myths that could mislead property investors, ensuring listeners stay informed and prepared for the upcoming market changes.
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Five-Year Fixes Are The Market Benchmark
- Buy-to-let five-year fixed all-in rates are currently around mid-4% range for fee products and about 5% for no-fee products.
- Brokers expect rates to drift lower toward the mid-4% area by year-end, improving investor cashflows.
Choose Five-Year Fixes To Cut Refinance Risk
- Prefer five-year fixes for most buy-to-let investors to reduce refinancing, valuation and cost risk.
- Avoid frequent remortgaging every two years unless you can absorb extra fees and valuation risks.
Fee Explosion After 2022 May Reverse
- Fee levels ballooned after the 2022 rate spike with some products reaching 5–9.99%.
- Kelly expects extreme fees to recede and hopes high-fee products become rare again as rates normalise.