Data from the CML has revealed older borrowers have higher levels of equity to debt with repayment rather than interest only mortgages.
As house prices rise Lenders have reintroduced interest only mortgages accessed only by wealthy homeowners with large amounts of equity.
UK buy-to-let landlords are at risk to booms and busts that could magnify a housing market crash the Financial Policy Committee warns.
The booming buy-to-let market and ease investors can secure mortgage loans could undermine the UK economy when interest rates rise.
A report by lender Kent Reliance shows the value of buy-to-let property owned by landlords is at £930.7 billion increasing 13.3% in the last year.