As we move through 2025, many would-be landlords are asking the same question: is now really the right time to invest in buy to let property?
With interest rates still higher than they were just a few years ago, and a raft of regulatory changes affecting rental properties, it’s understandable that some investors are feeling cautious. But the reality is more nuanced — and for those who are well-informed and properly advised, buy to let remains a viable long-term strategy, particularly in sought-after areas like Hastings and across East Sussex.
At Connect Mortgage Services, we work closely with landlords, property investors and first-time buyers who want to understand the market and make confident decisions. Here’s what you need to know.
The 2025 Buy to Let Landscape: National Picture
The buy to let sector has evolved rapidly in recent years. Interest rates have settled somewhat after sharp increases in 2023–24, but they remain above the ultra-low levels that investors enjoyed in the previous decade. This means that monthly mortgage costs are higher — and so understanding affordability is key.
At the same time, there are new tax and regulatory pressures on landlords. From EPC (Energy Performance Certificate) requirements to changes in how mortgage interest relief is applied, the rules are more complex than they used to be.
However, these shifts haven’t reduced demand for rental property. Quite the opposite. Many parts of the UK are experiencing record-high demand, driven by long-term demographic changes and affordability issues for first-time buyers.
Why East Sussex Still Appeals to Property Investors
Despite wider market challenges, East Sussex continues to attract investment. Areas such as Hastings, St Leonards, Eastbourne and Bexhill offer a unique blend of lifestyle, coastline, transport links and relatively affordable property prices.
The rise in remote and hybrid working has drawn more people away from cities and towards the coast, especially professionals and families seeking a better quality of life. This change has helped strengthen the rental market in the region, with good yields possible in well-chosen locations.
Hastings in particular has seen a resurgence in interest from buyers. Its blend of period properties, cultural attractions, and improving infrastructure make it a compelling choice for landlords seeking growth potential.
What Landlords Need to Consider Before Buying in 2025
While opportunities exist, it’s vital to go into buy to let with a clear understanding of the numbers and the responsibilities.
You’ll need a larger deposit than with a residential mortgage — usually at least 25% — and lenders will stress-test your income against expected rental returns. You’ll also need to factor in stamp duty, legal fees, maintenance costs, and the potential for void periods when the property is unoccupied.
In 2025, there’s also an increasing focus on energy efficiency. While previous proposals to mandate a minimum EPC rating of C by 2025 have been delayed, many landlords are still upgrading their properties to future-proof their investments.
Choosing the Right Buy to Let Mortgage
The mortgage market for landlords is highly specialised, with products ranging from two-year fixed rates to longer-term interest-only deals. The right mortgage depends on your goals — whether you’re focused on monthly cash flow, capital growth, or building a property portfolio over time.
Lenders also have differing criteria around rental coverage ratios, property types, and borrower experience. This is where independent advice can make all the difference.
How Connect Mortgage Services Can Help
Based in Hastings, we understand the local property market and the specific challenges that landlords face — both in East Sussex and across the UK.
As whole-of-market mortgage advisers, we can access buy to let deals from a wide range of lenders, including those not available directly to the public. We also work with specialist lenders for portfolio landlords, first-time investors, limited company buyers and those with complex income.
Whether you’re purchasing your first buy to let or reviewing your current mortgage, we’ll take the time to understand your goals and guide you through the process clearly and efficiently.
Conclusion
Buy to let in 2025 isn’t without its hurdles — but for well-prepared investors, the opportunities are still there.
If you’re considering a property purchase in Hastings or the wider East Sussex area, we’re here to help you make sense of your options. With tailored advice and access to the latest mortgage deals, Connect Mortgage Services can support you in building a rental portfolio that works for the long term.
Get in touch today for a no-pressure chat about your buy to let plans.
