The Property Franchise Group says tightening regulation in the rental sector is creating new opportunities for buy-to-let advice as the firm looks to expand mortgage and protection activity across its landlord client base.
In its final results for 2025, the AIM-listed group said its Financial Services division completed a record 25,000 mortgages during the year, with management highlighting significant scope to grow lending volumes further – particularly in the buy-to-let market.
The company, which operates one of the UK’s largest franchised estate agency networks, manages around 149,000 rental properties, giving it a substantial pool of landlords who could require refinancing, portfolio lending or protection advice as regulation becomes more complex.
AREA FOR EXPANSION
Chief executive Gareth Samples said the group sees buy-to-let as a natural area for expansion as the business develops its platform model across franchising, financial services and licensing.
He said: “The remortgage market presents a further opportunity in FY26 as fixed-rate maturities drive refinancing activity. We are also developing a more targeted buy-to-let financial services proposition tailored specifically to landlords within our managed portfolio, representing a strategically aligned and underpenetrated opportunity.”
The group said the upcoming Renters’ Rights Act and wider regulatory change are likely to increase demand for professional advice and structured lending, rather than reduce activity.
LANDLORD SUPPORT
Samples said the company does not see new legislation as a threat to the business, but as a factor that reinforces the value of professional support for landlords.
He said the group’s scale, compliance infrastructure and franchise network put it in a strong position to help landlords navigate the changing market while increasing mortgage and protection penetration.
Financial Services revenue rose 26% to £24.2m in 2025, while the division delivered £4.4bn of lending across the year.
TPFG said the combination of remortgage demand, landlord refinancing and improved cross-selling across its agency network provides a clear growth opportunity for 2026.
