The UK property landscape has been fundamentally reshaped. Gone are the days of 2% fixed rates and negligible product fees. Today, landlords face a stark new reality: interest rates hovering between 5-7%, punitive product fees reaching up to % of the loan, and a dizzying array of mortgage products where the wrong choice can cost tens of thousands of pounds. For the amateur investor, this environment is a minefield. The old, simplistic approach of just picking the lowest headl