20 Days to a Stronger Landlord Finance Strategy

Why NetRent Is Your Starting Point for 2026

From the start of next week, there will be just 20 working days left in 2025.

For most people that means winding down.
For serious landlords, it’s the perfect moment to gear up.

Over the next 20 working days, NetRent will publish a daily, in-depth article to help landlords across the UK get fully prepared for 2026 finance decisions – whether you own one buy-to-let or a portfolio of hundreds of properties.

This is Day One: your introduction to why NetRent is the place landlords turn to when they want the right finance, from the right experts, at the right price.

Why We’re Focusing on Finance Now

2025 has reminded landlords of a simple truth: finance can make or break your portfolio.

• Interest rates and product options have moved quickly

• Lenders have tightened and tweaked criteria

• Stress tests and rental cover calculations have become more important

• Remortgage timing has become critical, not optional

Trying to keep on top of all that on your own, while running properties, dealing with tenants and planning your next move, is a big ask.

That’s exactly why landlords have relied on NetRent for more than 20 years: not just for information about being a landlord, but for help accessing the best available mortgage and property finance solutions through trusted experts.

This 20-day series is designed to give you:

• A clear understanding of the current and emerging finance landscape for landlords

• Practical guidance on mortgages, remortgages and bridging finance

• Real-world examples of how we’ve helped landlords structure their finance

• A simple, realistic action plan for 2026

By Day 20, you’ll have a much clearer idea of how to finance your next step – and who to lean on to get it done properly.

Who’s Actually Doing the Finance Work? NetRent + DNA Financial Solutions

NetRent is not a lender. We’re not here to push you towards one particular bank or product.

Instead, our job is to make sure landlords can access specialist, landlord-focused mortgage advice from people who do nothing else all day.

For the last three years, we’ve worked closely with DNA Financial Solutions. They’ve built a superb in-house team dedicated to landlord finance – whether you’re funding your first rental or a portfolio of hundreds of properties.

When a landlord comes to NetRent about finance, this is what really happens:

1. You talk to us first
   You tell us about your situation in plain English: the properties you own or want to buy, the structure you use, your income, and your goals for 2026.

2. We match you to the right DNA specialist
   We don’t just pass your details into a general inbox. We route you to the right person inside DNA – whether it’s a standard buy-to-let, an HMO, a portfolio refinancing, or a bridge for a refurb or auction purchase.

3. You get tailored advice and proper options
   DNA explore lenders and products across the market to find suitable options for your circumstances – not just the first deal that fits. They explain the trade-offs so you can make an informed decision.

4. We stay involved
   NetRent remains in the loop, ensuring communication is clear, expectations are managed and service standards stay where they should be.

We’re now committed to working with DNA throughout 2026, because we’ve seen first-hand that this combination delivers what landlords want:

Best price, best product, best service – consistently, not just once.

Why Landlords Don’t Want to “Go It Alone” Anymore

If you’ve been a landlord for a while, you’ll know the old pattern:

• Call one or two lenders you’ve heard of

• Compare a couple of headline rates

• Skim through some paperwork

• Hope it all stacks up

That approach simply isn’t enough any more.

Here’s why landlords are increasingly turning to specialist teams like NetRent + DNA instead of doing it all themselves:

• Criteria complexity: It’s not just about “Can I get a mortgage?” but about stress tests, rental cover, portfolio exposure, property type, and ownership structure.

• Time pressure: You’re juggling viewings, tenants, maintenance and your own life. Digging through dozens of lenders’ criteria and small print isn’t realistic.

• Portfolio impact: One poorly chosen product can limit your options for future purchases or remortgages.

• Changing rules: What worked for you in 2020 might be totally inappropriate in 2026.

By contrast, when you come through NetRent and our partners at DNA:

• Your overall strategy is discussed up front, not as an afterthought.

• You get eyes across the market, not just whichever product happens to be on a lender’s homepage.

• You benefit from experience with thousands of landlord cases over the last two decades.

What This 20-Day Series Will Cover

Today is about the big picture: why this matters and who we are.

Over the next 19 working days, we’ll go deeper into topics such as:

• The landlord finance landscape for 2026 – and why it’s changing

• Getting finance right for your first few properties

• Scaling up to 5, 10, 50 or 100+ properties without hitting a finance wall

• Remortgaging proactively rather than drifting onto expensive SVRs

• When and how to use bridging finance safely

• Funding HMOs, multi-unit blocks and specialist properties

• Borrowing in your own name vs limited company/SPV (from a finance perspective)

• Funding refurbishment and smaller development projects

• Real-world case studies of landlords we’ve helped

• How we’ll enhance our already strong offer throughout 2026

Each article will build on the last so that, by the end, you’ll have a joined-up view of:

• How your current finance fits together

• Where the weaknesses and opportunities lie

• How NetRent and DNA can help you fix problems and take advantage of opportunities in 2026

What You Can Do Today

You don’t have to wait for Day 20 to start getting organised.

If you’re a landlord and any of the following applies…

• You’ve got fixed rates ending in 2026

• You’re thinking about buying more properties next year

• You’re worried your current mortgage structure is holding you back

• You’re curious about bridging, refurb, HMOs or portfolio finance, but unsure where to start

…then now is a good time to get a clear, honest view of your options.

You can:

1. Gather the basics

   • A simple list of your properties

   • Who each mortgage is with

   • The current rate and when it expires

2. Share your 2026 goals

   • Grow? Consolidate? Release equity? Improve cash flow?

3. Talk to us
   We’ll connect you with the right DNA specialist to explore the finance options that actually fit your plans.

Talk to NetRent About Your 2026 Finance Plans

If you’d like to start that conversation now, you can reach us here:

Telephone: 01352 721300
Email: support@netrent.co.uk

Tell us a little about your properties and what you want 2026 to look like. We’ll help you connect the dots between your goals and the finance that can make them happen.