Buy to Let

Following recent changes in the Buy to Let market, some investors may find this product less appealing. However, if done correctly, building a buy to let portfolio can be very profitable.

We look at why mortgage rates increased following the Bank of England's choice to reduce the bank rate, and should you fix now?

With UK inflation remaining at 2.2% which is slightly above the Bank of England’s 2% target, the decision was made on Thursday 19^th September to keep the base rate at 5%.

The average seller’s asking price dropped by 0.4% in July, a bigger drop than we have typically seen. 

Does the time of year make a difference in house purchases? The answer is, yes and no.

The popularity of buying a house can vary depending on various factors such as regional trends, how the economy looks, and of course personal circumstances. 

If you’re a landlord & you’re unaware of the proposed upcoming legislative changes, see how this new bill could impact the UK rental market.

There are a few reasons why you might be buying a property with a tenant still in occupation (a sitting tenant).

Moneyfacts, the independent mortgage market monitor of all things ‘mortgage’ has reported that overall mortgage availability rose in January 2021, to 3,215 products!

Here we list 10 things you should consider doing to enhance your return on capital.

The process of obtaining a buy to let loan usually takes between 4 - 6 weeks, although, as with all purchases, there are a variety of steps to the process which will delay or even stall the process.

The regulations apply to new tenancies commencing on or after 1 July 2020 and inspections relating to properties subject to existing tenancies must be undertaken before 1. April 2021.

Applying for a mortgage can seem an intimidating and complicated process. Thankfully this is something we do every single day, so we can do much of it for you. Simple.

Generally referred to as ‘the base rate’, when it falls it is usually (but not always) an indication that lending rates generally will also fall.

Whether you are an owner-occupier or a private landlord, the most important thing is not to panic or put your head in the sand.

To minimise the risk when investing in property there are a variety of measures you should take and precautions you can make. Here are just a few...

The simple answer is no. At least, you can, but it’s a very bad idea.

More recently, the UK government introduced a relatively complex scale of tax bands aimed in large part at discouraging the purchase of second homes and property used for buy-to-let investment.

As part of a portfolio of measures aimed at cooling demand from the buy-to-let market, the UK’s Government have recently introduced several fiscal measures aimed at achieving a reduction in those interested in entering the private buy-to-let market.

There have been so many changes in the Buy to Let sector, that I thought it was time for a general round up.

Capital Gains Tax (CGT), as the name suggests, is charged upon the increase in value of an asset held by an individual. It is payable only when the gain is realised (i.e. a property sold or, in many cases, transferred) by that individual.

Once you have made the decision to invest in a residential Buy to Let property, it’s worth sticking to a few basic rules. This is likely to make the whole process simpler and easier to manage further down the line.

With banks offering tiny returns on cash savings and ISAs and the fairly recent stock market volatility still fresh in people’s minds, investing in property is still considered by many to be the best way to invest their money.

Borrowing money for a ‘buy to let’ investment is different to borrowing for your own home. The interest rate is usually higher in comparison and the deposit required is usually between 20% and 40% of the property’s value.

If you are looking to rent out your property in Maidenhead after 1. February 2016 the UK will require Landlords to undertake ‘Right to Rent’ checks on all tenants.

Buying property as an investment has proved to be a successful and lucrative investment decision for some and here we will address some of the benefits and pitfalls those new to the market should consider.