A structural shift is underway in Britain's buy-to-let sector, as millennial and Gen Z investors—digitally native, data-driven, and increasingly impatient with legacy processes—begin to outnumber the baby boomer landlords who have dominated the market for three decades. Mortgage brokers report that this younger cohort is not simply replicating the strategies of their predecessors; they are demanding faster application turnarounds, more sophisticated portfolio modelling, and advice that treats property as one component of a diversified investment strategy rather than a standalone bricks-and-mortar bet. For an industry built on relationship-driven, paperwork-heavy processes, this represents a genuine reckoning.