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Tuesday, December 06, 2016

PRICE BEATING INSURANCE - Property Hawks Early Christmas Present


To help landlords get into the Christmas spirit, our trusted insurance partner, Alan Boswell Group has a great offer for you: they’re guaranteeing to BEAT the price of your landlord insurance renewal.

Don’t worry if your renewal isn’t due yet. Even though this is a festive email, if you register your interest now they can hold the deal for you.

Ho Ho Humbug I hear you cry.... it's not just about the price.  You are right, what about the service? So I can say not only will you get a great deal on your insurance, but you’ll also benefit from their outstanding customer service and 30 years’ experience in the buy-to-let market.

Their expert advisers are able to quickly and easily find the right cover from a wide range of insurers, so you can be sure that your investment is protected. They can also provide additional rent guarantee, landlord legal expenses, home emergency, unoccupancy insurance and more – so you have complete peace of mind at an unbeatable price.

Of course there are some conditions: you must be a new customer insuring a residential property; you need to have been claim free for three years, and have no history of flood or subsidence. You can read the full conditions here.

To take advantage of the offer, give them a call on 01603 216399 and quote HAWK16. 

Alternatively fill in the short form online and the Alan Boswell team will call you back.

Merry Christmas,

Chris Horne
Property Hawk

To find out more about landlord insurance:

5 Star Landlord insurance 
How to find out the best rates 
Landlord insurance options
Landlord insurance risks assessed
Water damage who pays?

Blairs Mansion

Just in case you wondered how our illustrious former leader was doing after the global meltdown and his failure to get to grips with regulating the banks properly.

Nice man Tony...you know the regular guy who's persona was "I'm the kinda guy you could have a drink with down the local"

Well he's doing just fine. Look at his latest mansion.

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Investing in purpose built student accommodation

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Best BTL mortgages for a company


Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
Your home may be repossessed if you do not keep up repayments on your mortgages.  
The Financial Services Authority does not regulate some forms of mortgage.

Monday, December 05, 2016

London property hotspots for 2017

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5yr property forecast for Aberdeen

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New 5 year fixed BTL mortgages at 3.79%

Property Hawk Mortgages, the buy-to-let mortgage specialist has launched two new buy-to-let exclusives with Dudley Building Society. Both products are fixed at 3.79% for five years up to 70% loan-to-value and have a 130% at pay-rate rental calculation. The remortgage only version also has a free valuation and assistance with legal fees.

Jane Simpson, at Property Hawk Mortgages, says:

 “We are delighted to launch these new buy-to-let exclusives with Dudley Building Society and expect them to be popular with landlord clients. We have seen a growing interest in five year fixed rates over the last few months and the recent PRA regulations relating to income coverage ratios (ICRs) means that they are likely to be in increasing demand.

The PRA regulations effectively exclude five year fixed rates which means that lenders can set their own ICRs for these products. These buy-to-let exclusives with Dudley have a very achievable ICR of 130% at 3.79% and the Early Repayment Charges only apply for two years, which will make them very attractive to landlords especially as the market is so uncertain at the moment.”




Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
Your home may be repossessed if you do not keep up repayments on your mortgages.  

The Financial Services Authority does not regulate some forms of mortgage.

Nottingham's city wide PRS licensing


Nottingham Council are proposing the introduction of a city wide selective licensing scheme for landlords of PRS property.


If the plans are passed the scheme will be the biggest in the country, encompassing approximately 43,000 rental properties.


The proposed licences will cost £600 per rental property and last for five years.


The council proposes that accredited landlords would benefit from a £140 discount on the fee.

A consultation on the plans is due to start this month and finish in March 2017.

If the council then decides to go forward with its proposals they will be passed on to the Secretary of State to approve.


If passed, the council is proposing the scheme could be introduced by Spring 2018.

A north/south property divide map

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Thursday, December 01, 2016

Why do ground rents make such good investments?

Investing in ground rents

So landlords know that owning property makes sense.  Long-term return from residential property has outpaced all other investments over the last decades.  Freeholders are at the top of the tree when it comes to property ownership and investing in ground rents can offer attractive returns.  However, for many landlords who own their residential leasehold investment they can also suffer at the hand of unscrupulous ground rent businesses seeking to exploit their position at the top of the land ownership tree.

How to understand ground rents?

The essential thing for landlords and property investors is that they full understand the implications of ground rents and what it means in terms as a potential investment but also how it impacts on their rental yields and investment returns.

Landlord insurance - professional rates - online rates

Is 20 too young to invest in BTL?

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Airbnb puts 90 day limit on London landlords

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West Brom's profits hit by landlord action

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5 year regional price forecast from KF

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Immigration Act -offence comes into force today

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Slowing annual house price growth - 4.4%

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ONS latest immigration data

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JAMs struggle to pay for housing

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Wednesday, November 30, 2016

Onthemarket branded a failure by Zoopla

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Accord cuts BTL rates

Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
Your home may be repossessed if you do not keep up repayments on your mortgages.  
The Financial Services Authority does not regulate some forms of mortgage.

REITS 'oversold and mispriced'

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Scotland's Letting Code of Practice - 2018

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The secret life of a landlord

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BTL is far from dead

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Khan sets 35% affordable home target in London

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Tuesday, November 29, 2016

BofE latest mortgage figures

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Top European rental hotspots

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£3.2bn affordable housing boost for London

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Gov. promises to stop ground rent abuse

But why invest in ground rents?
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Industrial unit turned into two flats

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A bounce in First Time Buyers

The National Association of Estate Agents (NAEA) Housing Market Report for October 2016 shows a 'bounce back' in sales to First Time Buyers.

Their October data shows -
  • A third (32%) of sales were made to FTBs.( the highest on record )
  • Supply of homes on the market increased to the highest level since March 16.
  • Demand for housing also rose in October
  • Sales averaged - 9 per branch.
  • Properties for sale averaged - 43 per branch.
  • Registered buyers per branch increased to 440.

national association of estate agents data october 2016

NAEA's Mark Hayward, comments : 

“This month’s report paints a positive picture for the UK housing market. Our findings over the last few months indicated mild uncertainty immediately following Brexit – and last month we even saw sales to FTBs fall. After shrugging off the uncertainty, we have seen an increase in supply and a rise in the number of sales to FTBs this month – proof the market is beginning to bounce back.

“Clearly what we need now though is a clear plan as to how the Government is going to tackle the chronic shortage of homes that we are facing. During the Autumn Statement, the Chancellor announced a boost to house-building which is a start but sadly nowhere near enough. We have high hopes for the Housing White Paper as this will set the housing strategy and intent for this Government going forward.”

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Lenders pressured to rein in BTL lending

Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
Your home may be repossessed if you do not keep up repayments on your mortgages.  

The Financial Services Authority does not regulate some forms of mortgage.

Net change in UK housing supply - chart

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Monday, November 28, 2016

Letting Agent Fees - how to avoid them?

Avoiding letting agent fees

Landlords are faced with legislation changes proposed in the Autumn Statement bringing changes that will result in landlords having to bear the full brunt of letting agent fees.  This follows from the Chancellors Philip Hammond's first Autumn statement 2016 in which the incoming Chancellor marked himself out as no friend of landlords and a hero of the tenanted classes.

His proposed ban on letting agent fees means  that in a single stroke 4.3 million renting households will be removed from the obligation of having to pay letting agents fees such as:

1. Production of a tenancy agreement
2. Set up fees
3. Guarantor application fees
4. Pet deposit
5. Registering deposit fees
6. Vetting tenants and credit checks

This follows a letting agent fee ban put in place in Scotland which were tightened in 2012.  But can landlords avoid having to pay for these additional costs when they use a letting agent to let their property?

What are the likely affects of the letting agent fee ban?

The reality is that letting agents still need to charge fees for many of the actions that they carry out in their duties.  It will continue be an expense in administrative time and effort to register tenants for tenancies and to carry out the required checks for landlords to be happy that the tenants is a reasonable credit and letting risk.  This means that many letting agents will just pass these charges on to the landlord or try to avoid doing the appropriate letting checks in the first place exposing landlords to additional risks of letting particularly if they inexperienced landlords unaware of the potential pitfalls.  The additional costs as you can see about if these letting agent fees are passed on to a landlord could amount to many hundreds of pounds to a landlord for each letting so can letting agency fees be avoided?

Letting agent fees - how to avoid them?

The reality is that all landlords can avoid letting agent fees simply by managing their own rental properties.   It really is entirely possible not to use a letting agent at all.  Now with online property marketing such as Lettingaproperty and similar marketing virtual letting agents and marketing websites a landlord can market their property to the whole world by getting their property on the likes of Rightmove and Zoopla giving them maximum marketing exposure.  Then having secured their marketing leads an individual landlord is free to do all the checks and essential letting administration that the letting process requires.  It's perfectly possible for a landlord to do the credit check on line for a few quid.  We have told landlords how they can do the vetting of a tenant far more effectively than any letting agent and save a fortune in the process.  Who needs a letting agent to prepare the inventory?  Landlords can manage their property  with our online software and avoid the fees that will now have to be paid to letting agents.  This legislation could be a game changer for many landlords determined to avoid unecessary letting costs.  Other landlords will just conclude that it is another necessary expense that they will try where possible to pass on to their tenants by raising the rent.  The experience from Scotland where the introduction of similar restrictions has been that the added costs have not been translated into inflated rents.


Landlord insurance costs - professional rate - online brokers

Friday, November 25, 2016

Re-mortgage now to shield against new BTL rules

Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
Your home may be repossessed if you do not keep up repayments on your mortgages.  

The Financial Services Authority does not regulate some forms of mortgage.

Rightmove House Price Index for November

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Thursday, November 24, 2016

ONS reports UK rents remain static

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The Autumn Statement's impact on property

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Landlords pay £3.1bn for stamp duty hike

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