Buy to Let

Throughout this past week, lenders have continued to reduce their mortgage rates giving borrowers in the UK some welcome news following the change in global tariffs under US President, Donald Trump.

The UK government is introducing new rules for Energy Performance Certificates (EPCs) that will impact landlords. Here's a summary of the key changes

Helping you understand the upcoming changes in stamp duty (SDLT) from April 2025.

On 30^th October 2024 the Chancellor, Rachel Reeves delivered the Autumn budget which we had previously been warned would be “difficult”. Below we have summarised the main housing points.

Virgin Money and Hive Energy introduce new "green" mortgage product called Retrofit Boost Mortgage with the aim to help homeowners improve the energy efficiency of their home by offering cashback between £3,000 and £15,000

Should you overpay your mortgage? If you can put extra cash away you need to seriously consider whether you should pay more off on your mortgage or put it into a savings account.

If you are looking at remortgaging your property but you are unsure whether it’s the right decision, we have listed five reasons why it might be for you.

Purchasing a property and then letting it out to tenants is a great way to earn additional income and the more properties you own, the more you can earn.

From the 1st of April, Landlords are now obliged to have an electrician undertake an Electrical Installation Condition Report (EICR).

There are still many reasons why the UK property market could be considered one of the best investment opportunities in the world. Here are ten reasons why.

Flats, in particular, are usually owned leasehold because in very simple terms, to own the freehold of a property is basically to own the land below and the air above and, in the case of a flat, clearly this isn’t possible.

What can you do to improve your negotiating position? Here are a few simple tips that too many people ignore.

The chancellor has announced a temporary holiday on stamp duty up to £500,000 as part of a number of measures to help stimulate the economy. We have listed below the key facts following this announcement.

You must have an Energy Performance Certificate before you start marketing your property. Buildings that don’t need an EPC include...

If you can’t come to us we can quickly set up a video or phone appointment.

Here we look at just a few of the great books out there that might interest the buy-to-let landlord or property investor.

Almost all, if not all, lenders will either prohibit you from letting your home to a third party or they’ll set restrictions and have formal requirements around notification, etc.

The Ministry of Housing, Communities and Local Government have recently introduced new guidelines for HMO landlords.

The UK Government have been keen to discourage the small private buy to let investor. From April 2016, anyone purchasing an additional buy to let property must pay at least an extra 3 per cent in stamp duty land tax.

The Buy to Let landscape is changing. The government fully intends to collect more tax from landlords and the option to buy and rent out property may no longer be open to just anyone who can raise a deposit.

The 1st April 2018 will see any properties rented out in the private rented sector requiring a minimum energy performance rating of E on an Energy Performance Certificate (EPC). If you don’t have this rating, you are unlikely to be able to legally rent out your property after this date.

The Prudential Regulation Authority (PRA) is a part of the Bank of England and is responsible for the regulation and supervision of banks, building societies, credit unions, insurers and major investment firms. 

As Landlord you inherit several responsibilities around the need to secure your tenant’s safety. One of these includes the requirement for an annual Gas Safety Certificate.

The solution for some seems to be to set up a limited company within which to purchase the buy to lets.

From the 1st October 2015 regulations require smoke alarms to be installed in rented residential accommodation and carbon monoxide alarms in rooms with a solid fuel appliance.