Buy-to-Let

Houses in Multiple Occupation (HMOs) are a popular investment choice for landlords looking to maximise rental yields. These properties house three or more unrelated tenants who share facilities like kitchens and bathrooms, creating higher income potential compared to standard buy-to-let properties. When financing an HMO, landlords typically need a 15-25% deposit, and must navigate special […]

Commercial buy-to-let mortgages help property investors purchase buildings for business tenants to rent. These specialised loans work differently from residential buy-to-let mortgages and require careful consideration before making an investment decision. Commercial BTL mortgages need a deposit of at least 20-25% of the property value, with better interest rates available for larger deposits. Many landlords […]

This video explains the role of a Commercial Finance Broker in the UK, the type of clients they work with and also the types of funding they secure for their clients. As well as working with Homeowners, Property Investors and Developers to provide things such as Bridging Loans and Development Finance, a Commercial Finance Broker […]

Buy to Let – Since the onset of COVID-19, investors have turned away from many of the asset classes whose presumed security and capacity for long-term value creation were once thought unimpeachable. With international lockdowns accelerating existing trends towards flexible working practices and e-commerce, investors have seen billions wiped off the value of commercial property […]

Paragon Bank has launched a range of buy-to-let mortgages with lower interest rates for energy efficient properties. The 80% LTV mortgages charge a market-leading 3.99% interest, fixed for five years, exclusively for rental properties which earn an energy performance certificate (EPC) of A to C. The loans can be used for the purchase and remortgages […]

CIA Landlord has revealed its annual ranking of the best UK cities to buy to let for 2021, with some areas proving to be more profitable than others. The analysis is based on the average property price, mortgage cost, average rent income, and the monthly costs of being a landlord to calculate the monthly profit. […]

Moneyfacts UK Mortgage Trends Treasury Report data, not yet published, reveals that there are glimmers of hope emerging for the Buy to Let mortgage market, following the significant initial impact of the Coronavirus pandemic. In welcome news to many landlords, the choice in products has increased, and some higher loan-to-value (LTV) average rates have reduced. […]

New research has identified Liverpool as one of the best places in the UK for buy-to-let investors, with yields as high as 10.30%. The findings are from analysis by Mojo Mortgages using the UK Land Registry, Zoopla, On The Market and property data portal, PropertyData.co.uk in a bid to find where the current investment hotspots […]

Nationwide has extended its repayment holidays to cover buy-to-let mortgages. The Housing Secretary and Prime Minister have both outlined plans to protect landlords and tenants against the impact of the coronavirus pandemic. Henry Jordan, Nationwide’s director of mortgages, said: “As the UK’s second largest buy-to-let mortgage provider we feel it is important to extend protection […]

Landlords are fearful the buy-to-let sector will be used as a political football in the upcoming election, with politicians competing with pledges that could “end the market”. A number of mortgage brokers said they have been contacted by their landlord clients with concerns about a Labour majority government and its potential ‘right to buy’ scheme. […]

Many landlords are employed in business or professions; private renting is an additional income, perhaps to provide an income in older age, so I am fully aware that many have successful additional careers. But if the main income source was from a business they were running themselves, would they survive if they used the same […]

Finding the right sort of property to rent can be a bewlidering time for many when faced with the choice of buy-to-let or build-to-rent or some other jargon-filled combination. However new research suggests the build-to-rent market will emerge victor and soon account for a third of the private rental market. But many believe the government’s […]

There were less buy to let investors registering to buy property in 2018 according to new data released by estate agent Haart. The number of landlords registering to buy property with the agent fell by 36 per cent year-on-year in November when compared to November 2017. London recorded the biggest fall in property investors registering, […]

Nottingham postcode NG1 is offering the highest rental yields in England, report from credit eligibility and comparison firm TotallyMoney has found. Nottingham properties provide a yield of 11.99%, with an average asking price of £152,631 and monthly rental value of £1,525. Other postcodes with strong yields include L7 in Liverpool (9.79%), TS1 in Cleveland (9.45%) […]

The trade body for the mortgage sector has warned that buy-to-let purchase lending is set to come in at below its forecasts for 2018. UK Finance had predicted £12bn of buy-to-let lending for house purchase this year, but Jackie Bennett, director of mortgages, has warned this is heading for around £9bn. Speaking at UK Finance’s […]

Southend tops the buy to let property investment market for rental yields according to recent research. New analysis from Private Finance reveals Southend-on-Sea is the UK’s number one buy to let hotspot for investment, offering average rental yields of 6.6 per cent once mortgage costs are taken into account. The analysis – which calculates rental […]

Almost one in five houses bought last year in Herefordshire were purchased as second homes or properties to rent out, figures show. According to HMRC data, second home buyers – including property investors and landlords buying houses to rent out – were undeterred by new taxes on extra properties. A second home is defined by […]

The number of UK buy-to-let investors in the market reached 2.5 million in the latest tax year, an increase of 5% year-on-year, research by London estate agent ludlowthompson has found. The number of investors in the market increased by 27% in the past five years, up from 1.97 million in 2011. Stephen Ludlow, chairman at […]

Complaints from residents living the Dales area of Liverpool have “reduced significantly” following the introduction of a ban on ‘To Let’ signs according to a new report. Liverpool City Council first introduced a ban on visible advertising for rental properties in 2015 amid worries the boards were having a negative impact on the sustainability of […]

A Crawley buy to let property investor has been fined after being found guilty of illegal eviction, having discarded his tenants possessions and changed the locks of her rental property. Mitesh Patel, 44, of Chanctonbury Way, Southgate, Crawley, was fined £1,700 for his offence. He had dumped the possessions of his tenants, a couple he […]