Category: Buy to Let
The analysis published under this category are as follows.
Friday, July 29, 2022
The Challenges on the Horizon for UK Landlords / Housing-Market / Buy to Let
By: Boris_Dzhingarov
Climate change – it’s a phrase we’ve heard all too often in recent months, years, and decades. The UK government has begun to action aspects of its manifesto towards tackling the problem and as a result, there are stricter regulations coming into play that will begin to effect landlords across the country. With such changes in the not-too-distant future, many landlords might already start worrying about the cost. Fortunately, companies like Propp specialise in finding the best finance for any given property, especially short-term funding agreements that will assist in covering the costs incurred of getting a property to the standard it needs to be to meet upcoming laws and policies.
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Tuesday, April 05, 2022
How To Make Money As A Landlord: A Simple Guide / Housing-Market / Buy to Let
By: Steve_Barker
If it's done right, being a landlord can be a very profitable endeavor. However, it's not as simple as just buying a property and sitting back, collecting rent checks. There are lots of things to consider beforehand, and you need to know what you're doing. In this article, we'll discuss the basics of how to make money as a landlord and give you some tips on how to get started.
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Wednesday, September 15, 2021
Types of Investment Property to Become Familiar with / Housing-Market / Buy to Let
By: Submissions
Real estate offers the opportunity to make money through rental income, appreciation, and profits generated by business activities. Nevertheless, you have to be ready to put down a considerable amount of money to begin investing. Property can be expensive. Therefore, you should plan your acquisition carefully and take into account taxes, repairs, utilities, and other mandatory expenses. There’s more risk involved in owning an investment property as opposed to investing in the stock market. To set yourself up for success, make sure that you’re ready to take the leap. Real estate investing isn’t for the faint of heart.
There are three main types of investment property you need to know. You’ll need a team of professionals to guide you through the buying process. If something were to go wrong, you should be able to reach out to the apt contractors to help you solve the issue in a timely manner. It’s recommended to do your homework. Do some research when putting together the team. Read as many online reviews as you can and consider asking friends and family for recommendations.
Thursday, July 30, 2020
How to Finance an Investment Property / Housing-Market / Buy to Let
By: Sumeet_Manhas
If you have decided to invest in real estate, then you'll likely need to finance your new investment property.
Even if you have financed a personal property before, like your home, you'll discover that funding of an investment property is a bit different. Discussing your plans with a free online mortgage broker can help you better make sense of this process.
Finding the right financing option for you and your property doesn't have to be as overwhelming as it may first appear. There are a lot of things you can do to make the process easier on yourself. If you want to learn more about how to finance an investment property, continue reading.
Monday, June 10, 2019
UK Housing Market BTL Products at Highest Number Since October 2007 / Housing-Market / Buy to Let
By: MoneyFacts
Moneyfacts UK Mortgage Trends Treasury Report data, not yet published, shows that the number of buy-to-let (BTL) products available, currently 2,396 products, is the highest on record since the beginnings of the financial crisis in October 2007, when the total number of available products stood at 3,305. Since June 2018, the total number of available BTL products has increased by 21%, and in the past month alone it has risen by 143 products, from 2,253 to 2,396.
Meanwhile, average BTL mortgage rates have also risen over the past 12 months, with the average two-year BTL fixed rate mortgage increasing by 0.17% from 2.88% in June 2018 to 3.05% this month, while the average five-year BTL fixed rate has risen by 0.11% to stand at 3.54% (June 2018: 3.43%). Both rates still stand significantly lower than in October 2007 however, when the average two-year BTL fixed rate stood at 6.36% while its five-year counterpart stood at 6.39%.
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Friday, April 26, 2019
8 Tips for Choosing Your First Investment Property / Housing-Market / Buy to Let
By: Steve_Barker
If you’re looking for your first investment property, you’ve no doubt familiarized yourself with trends in mortgage and interest rates and have decided that now is the time. The process may seem daunting, at first, but you’ll find it’s more manageable than you might think.In choosing your investment property, you’re choosing to invest in your dreams. With this in mind, here are a few tips to help you out.
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Monday, February 25, 2019
Buy-to-let Mortgage Product Choice Reaches Post Financial Crisis High / Housing-Market / Buy to Let
By: MoneyFacts
While the tax and rule changes imposed on the buy-to-let (BTL) sector over the last few years have heightened the pressures felt by landlords – and even forced some from the market altogether – research from Moneyfacts.co.uk shows that the number of BTL products currently available is at a post-financial crisis high.
Today, landlords have the choice of 2,162 buy-to-let mortgages, meaning the number of products has not been higher since October 2007, when 3,305 products were available.
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Tuesday, January 22, 2019
The 5 Rules of Real Estate Investment / Housing-Market / Buy to Let
By: OutreachMama
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Thursday, October 18, 2018
Average five-year Fixed BTL Mortgage Rate Lowest on Record / Housing-Market / Buy to Let
By: MoneyFacts
With significant change in the buy-to-let (BTL) market over the past few years, many landlords feel uncertain as to what the future holds for them and their investment. However, this nervousness has not deterred lenders, with the average five-year fixed rate falling to its lowest level on Moneyfacts.co.uk records this month.
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Tuesday, May 01, 2018
Number of BTL Mortgate Market Deals Breach 2,000 for the Firt Time / Housing-Market / Buy to Let
By: MoneyFacts
The past couple of years have been turbulent for both landlords and buy-to-let (BTL) providers, given the significant changes to regulations and taxation that have occurred. Yet despite this, the latest research from moneyfacts.co.uk shows that the number of buy-to-let products has reached an all-time high – passing the 2000 mark for the first time on record.
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Monday, April 23, 2018
Buy to Let Fixed Rate Mortgage Deals for Limited Companies At All Time High / Housing-Market / Buy to Let
By: MoneyFacts
Last year, the tax relief's for buy-to-let (BTL) landlords were cut, meaning that they had to start assessing their options – and becoming a limited company was one of them. With more demand for this type of company, research from moneyfacts.co.uk shows that providers have stepped into the breach and are now offering more fixed products to limited companies than ever before.
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Monday, September 11, 2017
Number of BTL Mortgage Deals Highest in Almost a Decade / Housing-Market / Buy to Let
By: MoneyFacts
Moneyfacts UK Mortgage Trends Treasury Report data, not yet published, shows that the number of buy-to-let (BTL) products has increased by 7% in just one month to reach its highest level since December 2007.
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Monday, July 31, 2017
Buy-to-let Mortgage Interest Rates Still Falling / Housing-Market / Buy to Let
By: MoneyFacts
Despite the increased scrutiny the buy-to-let (BTL) market has been facing, BTL mortgage competition is showing no signs of stopping. Research from moneyfacts.co.uk shows that the average two-year fixed BTL rate has fallen by 0.31% in one year, and even though the pace of the fall has slowed in recent months, the market has now recovered from the significant drop in products that was seen at the start of this year.
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Thursday, March 23, 2017
Trends to Look Out For as a Modern-day Landlord / Housing-Market / Buy to Let
By: Submissions
They say that property is always a sound investment, yet changes in the economy have led to some suggestions that life as a landlord is soon to get so much more difficult.
There is increased legislation, the markets are changing and in short, there's just a few more obstacles to contend with.
Monday, January 09, 2017
UK Mortgage Trends Treasury Report – Largest fall in BTL products since 2009 / Housing-Market / Buy to Let
By: MoneyFacts
Moneyfacts UK Mortgage Trends Treasury Report data, not yet published, highlights a significant drop in the number of buy-to-let (BTL) mortgage products, with 74 deals having been withdrawn from the market in just one month.
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Wednesday, September 21, 2016
Impact of Interest Rate Cut Pushes Buy-to-Let Mortage Deals Down / Housing-Market / Buy to Let
By: MoneyFacts
Potential Buy-to-Let (BTL) investors are continuing to enjoy a fall in mortgage rates, particularly those looking for a longer-term fixed rates. In fact, research from Moneyfacts.co.uk shows that not only have these deals fallen to all-time lows, the average fixed rate at 75% loan-to-value (LTV) has fallen by 0.49% in just six months and is the first time this rate has fallen below 4.00%.
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Monday, July 04, 2016
Fall in UK BTL Mortgages for First-time Landlords / Housing-Market / Buy to Let
By: MoneyFacts
Year-on-year, the number of buy-to-let (BTL) mortgages has increased, so it would be fair to assume that the availability of deals for first-time landlords has also expanded. However, research from Moneyfacts.co.uk shows that the proportion of mortgage deals for new landlords has actually shrunk to a record low.
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Monday, April 11, 2016
Buy-to-let Mortgage Providers Slash Interest Rates / Housing-Market / Buy to Let
By: MoneyFacts
The buy-to-Let (BTL) market has recently been under extra pressure thanks to stamp duty changes and recently-announced affordability tests, so a sudden rise in mortgage rates would not have been unexpected. However, research from Moneyfacts.co.uk can reveal that, in fact, the opposite has occurred.
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Monday, April 04, 2016
War on UK Buy to Let Property Market Sector Intensifies, Flats Particularly Perilous / Housing-Market / Buy to Let
By: Nadeem_Walayat
The latest bad news to hit the UK buy to let rental property investment sector was the announcement from the Bank of England to make conditions on buy to let mortgages much more stringent by going beyond the current norm of just mortgage interest being covered by the anticipated market rents, instead it has been proposed that at a minimum rent should be at 125% of mortgage interest payments, as well as taking into account all other costs incurred such as repairs, tax and voids, as part of a continuing trend to to make more properties available to first time buyers, that property investors have been busy buying up for well over a decade that has resulted in making it near impossible for first time buyers to step onto the bottom rung of the property ladder in many areas of the UK.
Wednesday, March 30, 2016
The Bank of Frankenstein is to Blame for UK Buy-to-Let Housing Bubble - Video / Housing-Market / Buy to Let
By: Mario_Innecco
Transcript Excerpt: I it's Wednesday March 30th 2016 I'll be talking today about the bank of
Frankenstein and he might wonder what's he talking about
while actually is the Bank of England's
the reason I call it Frankenstein and I assume most of you know the story
Victor Frankenstein written by Mary Shelley he was the guy who played God
and created a creature out to me and you know whatever you know science and he
created a creature which is usually called frankenstein but actually it was
Victor Frankenstein who created the monster or rich and he lost control of
that monster and you know we didn't didn't add up well that story the story
Tuesday, February 02, 2016
UK Buy-to-let Market Unfazed by Stamp Duty Changes / Housing-Market / Buy to Let
By: MoneyFacts
Yesterday saw the close of the Treasury’s consultation on higher rates of Stamp Duty on additional properties. However, data from Moneyfacts.co.uk can reveal that, despite all the talk surrounding the sector, buy-to-let (BTL) mortgage rates are continuing to drop.
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Thursday, December 10, 2015
U.K. Buy-To-Let King Liquidates Entire £250 million Property Portfolio - Video / Housing-Market / Buy to Let
By: Mario_Innecco
Excerpt: Just a little video here about the UK housing market
really an interesting article in The Daily Telegraph that the title is
Fergie's Wilson Britain's most iconic buy to let investor sells up all nine
hundred houses for 250 million pounds for people around the world by two lakh
basically is one you you buy a house just to rented to someone else as an
investment in its quiet quite popular in the in the UK the last ten fifteen years
the rules and regulations have been quite favorable for buy to let investors
Thursday, November 26, 2015
George Osborne's War on Buy to Let Sector Trending Towards Doomsday / Housing-Market / Buy to Let
By: Nadeem_Walayat
The clocks counting down to doomsday for Britain's buy to let sector as the latest announcement in a long list of measures such as the scrapping of mortgage interest tax relief are all aimed at whittling away the profits of buy to let landlords, and now a stamp duty tax hike is set to come in force from April 2016. That of an EXTRA 3% stamp duty tax charged on all additional owned properties i.e. all second homes that will hit buy to let sector investors when buying properties, a tax hike to raise an estimated £1 billion extra per year.
Monday, October 26, 2015
Buy-to-Let Property Boom Over Despite UK House Prices Grinding Higher / Housing-Market / Buy to Let
By: Nadeem_Walayat
Britain's 2 million strong army of buy-to-let private landlords with well over 5 million properties in their portfolios face a perfect storm of new regulations, tax hikes and benefits cuts that looks set to turn their and their tenants finances upside down, converting profits into losses, this despite UK house prices expected to continue to grind ever higher and thus increasing portfolio valuations.
The fantasy sales pitch of seminars of buying properties to rent out at huge potential returns had convinced many thousands of investors over the past decade to become buy-to-let landlords, especially given the abysmal rates of bank interest of the past 6 years. However, reality has never matched expectations for many buy to let investors who soon realise that buy to let is actually a second job rather than an invest and forget exercise, as they tended to face a string of problems at the top of the list are problem tenants, a situation greatly worsened by mass migration from eastern europe and the myriad of scams they tended to pull on unsuspecting landlords, leaving behind wrecked properties that will cost far more to rectify than any rental income gleaned from such properties.
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Tuesday, August 25, 2015
UK Buy-to-let Mortgage Deals hit a seven-year high / Housing-Market / Buy to Let
By: MoneyFacts
Pensioners’ new-found ability to access their whole pension pots combined with the promise of high returns has seen activity in the buy-to-let (BTL) market surge.
In light of this increasing demand, product numbers have soared, so much so that data from Moneyfacts.co.uk has revealed that the number of BTL deals has hit 1,000 for the first time since April 2008.
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Thursday, April 23, 2015
Advantages And Disadvantages Of Buy To Let Property Investment / Housing-Market / Buy to Let
By: Boris_Dzhingarov
Although there is still a crisis that is visible when referring to the housing market all around the world, money can still be made in this industry. The houses do not sell, usually because of the fact that many cannot actually afford the costs. Living costs are high and families are currently focused on rented housing. For the renters, the situation is not that great since there is not a high supply available for properties that can be rented. However, this is a good thing for the investors, according to what was mentioned by dzhingarov.com: real estate investors can take advantage of buy to let properties in order to get a guaranteed profit on the long run.Read full article... Read full article...
Tuesday, April 21, 2015
Cheap Buy-to-Let Mortgage Deals Increasing Threefold / Housing-Market / Buy to Let
By: MoneyFacts
Charlotte Nelson, Finance Expert at Moneyfacts.co.uk, comments: “Buy-to-let mortgages are experiencing a renaissance, becoming not only more widely available but cheaper, too.
“With more five-year fixed rate deals charging below 5% than ever before, it is little wonder that the newly emancipated pensioners are genuinely considering buy-to-let as a retirement option.
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Monday, April 20, 2015
Why a Buy-to-let property may not be as suitable as a student property / Housing-Market / Buy to Let
By: Submissions
Pure Student Property writes: The new pension changes will mean that anyone over the age of 55 will be able to access their pension and will not have to buy an annuity. This leads to the belief that the buy-to-let market in the UK could offer high returns for those who are newly retired, however, this may not be true for everyone as student property could be more suited to others.
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Thursday, February 12, 2015
A Tax "Loophole" That Will Help You Pay for Your Dream Holiday Home / Housing-Market / Buy to Let
By: DailyWealth
Dr. David Eifrig writes: I bet you've never heard of this...
It's a special government loophole... that allows you to earn extra cash, totally tax-free. It's 100% legal and simple to use. It can even help you pay for a dream vacation home.
This loophole is not for everyone. But if you qualify, you should start collecting this income right away.
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Monday, February 09, 2015
UK Lowest Ever Average BTL Mortgage Interest Rates / Housing-Market / Buy to Let
By: MoneyFacts
The average cost of both fixed and variable buy-to-let (BTL) borrowing is falling confirms research from Moneyfacts. The average fixed rate BTL is currently at the lowest level ever recorded at just 3.82% across all terms. The number of deals in the BTL sector has also risen from 757 to 811 in just one month.
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Wednesday, August 13, 2014
Door Closes to First-time Buy-to-Let Mortgage Landlords / Housing-Market / Buy to Let
By: MoneyFacts
The choice of products available in the buy-to-let (BTL) market is in a period of what would appear to be unhindered growth.
Removed from the majority of regulation, the Mortgage Market Review and income multiples, the number of BTL mortgages has increased by 237 (52%) deals in just one year.
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Wednesday, July 23, 2014
Buy-to-let Mortgage Deals Grow by 43% / Housing-Market / Buy to Let
By: MoneyFacts
The number of products on the market to service the growing interest in Buy-to-let (BTL) mortgages has risen to highs not seen since 2008, reveals Moneyfacts.co.uk.
Research into BTL product numbers show that the number of products on offer in July 2013 increased to 466, but that today the number has risen by 42.7% to 665.
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Saturday, May 24, 2014
UK Buy to Let Property Investing Business Top 12 Tips / Housing-Market / Buy to Let
By: Nadeem_Walayat
Investing in buy to let properties is nothing new for this is a near 3 decades old trend that began as a consequence of the Thatcher government introducing the policy of selling off council houses that continues to this day despite the emergence of the housing associations sector, today private rental properties out number social housing with some 10 million people in private rental properties more than triple the number 20 years ago as rising property prices and cost of living is pushing home ownership out of the reach of those on average earnings.
Wednesday, September 25, 2013
UK Housing Market Falling Buy to Let Mortgage Fixed Interest Rates / Housing-Market / Buy to Let
By: MoneyFacts
News of West Brom building society’s pending 2% rate hike for its 6,700 buy-to-let (BTL) tracker mortgage borrowers, so soon after the customer class action against the Bank of Ireland’s similar move, will make for a nervous time for the BTL tracker market and will leave many landlords searching for an escape route.
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Thursday, July 28, 2011
Buy-to-Let Sector Sees Surge in Mortgage Products to Highest Level Since September 2008 / Housing-Market / Buy to Let
By: MoneyFacts
The number of buy-to-let (BTL) mortgages available has today hit 505, the highest level since September 2008.
The size of the BTL market has steadily increased since July 2009, when the number of products fell to just 189.
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Wednesday, July 13, 2011
How to Find the Best Market for Rental Real Estate Investing / Housing-Market / Buy to Let
By: Money_Morning
Martin Hutchinson writes:
The weak U.S. housing market and high inflation, despite their negative effects on the economy have actually created a promising opportunity for rental real estate investing.
Truth be told, we're not going back to 69% homeownership rates anytime soon. With mortgages steadily harder to obtain, more would-be homeowners are renting.
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Tuesday, May 10, 2011
UK Buy to Let Sector Mortgages Bounce Back / Housing-Market / Buy to Let
By: MoneyFacts
The number of buy-to-let mortgages has risen to the highest level since October 2008.
There are currently 463 buy-to-let mortgages available, compared to 312 six months ago and 299 in May 2010.
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Monday, October 11, 2010
Buy to Let Borrowers Offered More Mortgage Options / Housing-Market / Buy to Let
By: MoneyFacts
Today there are 306 mortgages available to buy-to-let (BTL) landlords, which is just one tenth of what it was at its peak (3,648) in July 2007, but at its worst just over a year ago the number of mortgages available had fallen by 95%.
Although the market remains difficult for BTL investors, we are seeing real signs of improvement with rates falling and the number of lenders and products increasing.
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Thursday, February 28, 2008
Buy to Let Landlords Start to Feel the Mortgage Rate Pinch / Housing-Market / Buy to Let
By: MoneyFacts
Results from the Council of Mortgage Lenders this week have shown an increase in the number of loans taken by buy-to-let landlords in 2007. With first time buyers finding it increasingly difficult to get onto the property ladder, it might be expected that private landlords are having it easy. Alan Harper, Senior Analyst at Moneyfacts.co.uk looks at the availability of buy-to let mortgages:Read full article... Read full article...
Wednesday, April 18, 2007
Will Buy to Let landlords say 'no' to housing benefit tenants? / Personal_Finance / Buy to Let
By: Submissions
Amy Watson writes: Private sector landlords are being advised to refuse tenancies to housing benefit claimants.The Residential Landlords Association – which represents members owning over 100,000 private rented properties throughout the UK – is advising them to remove their homes from that market.
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Sunday, April 01, 2007
Landlords warned to pay tax as UK property lettings boom / Housing-Market / Buy to Let
By: Submissions
A new trade and national advertising campaign launched in February advising landlords who let a room in their home or run a business, of the need to declare their earnings and pay tax on any profit.Read full article... Read full article...
Wednesday, March 21, 2007
UK Housing Market - Could CCA 2006 cause the downfall of Buy to Let ? / Housing-Market / Buy to Let
By: MoneyFacts
Lee Tillcock, Editor of Business Moneyfacts comments: “The last year has seen a raft of legislation impacting on the buy-to-let sector, with more new rules and regulations still to be implemented. So far the new regulation has covered areas to protect both the landlord’s and tenant’s rights. However lenders and borrowers should also be aware that The Consumer Credit Act 2006 (CCA 2006) presents potentially far more serious issues when its provisions begin to take full effect next April.“As a general rule, buy-to-let (BTL) lending is unregulated. However, it risks becoming CCA regulated once the £25,000 financial limit is removed in April
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