“At the same time, lower average LTVs show a continued focus on sensible risk. The growth in regulated refinances and re-bridging tells us borrowers are using bridging more strategically, not just as a last resort. Overall, it feels like a more mature, outcome-driven market.”
Shane Chawatama, sales director at Knowledge Bank, added: “The increase in searches around planning permission and splitting title deeds is a strong signal that property investors are becoming more creative and strategic with their portfolios.
“Rather than stepping back, advisers are clearly working through more complex asset structures, value-add opportunities and alternative exit strategies. This sits alongside continued interest in adverse credit criteria, suggesting that while some investors are navigating credit challenges, the focus remains on restructuring and optimisation rather than distress.”
Raphael Benggio (pictured right), bridging director at MT Finance, stated: “It is encouraging to see that investors and landlords seem to be returning to the market.
“November’s Budget wasn’t as disastrous for the property sector as many feared and instead it has largely been a case of business as usual.