Average rental yields reached 7.7% across England and Wales in Q4 2025.

Average rental yields across England and Wales reached 7.7%, rising 0.3% annually and 0.2% quarterly in Q4 2025.

The LTV increase forms part of the society’s broader focus on specialist lending.

First-time landlords at Accord Mortgages can now use top slicing with a minimum household income of £75,000, excluding rental income.

Expat BTL now allows lending up to 80% LTV, increasing borrowing options for overseas clients.

Fixed rates start at 5.29% and 5.39%, both up to 75% LTV.

Rates for the 2-year BTL Prime range start at 3.89% for 75% LTV with a 3% fee and free valuation.

More than 500 brokers provided feedback and submitted business on the new platform.

Following the reductions, the lowest rate now available is 3.39% on Premier two-year fixed products.

The new holiday let range expands Vida’s specialist BTL offering.