Buy-to-Let Aspirations Remain Strong Among UK Adults, New Research Reveals

Despite ongoing pressures in the property market, a new study by Market Financial Solutions (MFS) has revealed that one in three UK adults still aspire to own a buy-to-let (BTL) property. The ambition is particularly pronounced among younger demographics, with 54% of those aged 18–34 expressing a desire to become landlords, compared to just 14% of over-55s.

The findings come at a time when the BTL sector faces significant headwinds, including rising house prices, increased borrowing costs, and stricter regulatory requirements. However, MFS CEO Paresh Raja believes these challenges have not diminished the enduring appeal of property investment. “Despite the obstacles, many people continue to view property as a secure and stable investment vehicle,” he commented.

Indeed, the survey underscores a broader confidence in real estate. Sixty percent of respondents believe property is an effective way to build long-term wealth, while 37% would prefer to invest in a BTL property over stocks and shares. This preference for tangible assets highlights the continuing trust in bricks-and-mortar investment, even in a changing economic landscape.

The appeal of property ownership is further evidenced by how respondents would spend a large windfall. More than half (58%) indicated they would use lottery winnings to purchase property, with this figure rising to 68% among 18- to 34-year-olds. This suggests that property remains a top financial priority, particularly among younger adults planning for their future.

However, the study also reveals growing frustration among aspiring young investors. Fifty-seven percent of 18- to 34-year-olds feel disadvantaged compared to previous generations, citing the rising cost of entry and more restrictive lending conditions as key barriers to entering the BTL market.

Looking ahead, optimism remains. With potential reductions in BTL mortgage rates expected in the near term, conditions may improve for first-time landlords. For many, the goal of owning an income-generating property remains a central component of their financial aspirations signalling that buy-to-let remains a relevant and resilient part of the UK investment landscape.