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Friday, August 18, 2017

Property prices - lies, damn lies and statistics

Looks like buyers are ignoring all the bad news on Brexit, etc.  If you believe the statistics...
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Thursday, August 17, 2017

London landlords fail to declare tax

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Wednesday, August 16, 2017

Skipton reduces BTL mortgage rates

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Tuesday, August 15, 2017

Mortgage market summary for June

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Residential property investors move focus North for UK rental yields


Property investors are moving their focus North away from London to Manchester in order to maximise rental yields as Stamp Duty and other regulatory changes bite.  Figures  show that investment in London by residential property investors has more than halved since the introduction of the Stamp Duty Surcharge in April 2016.  In the 1st quarter of 2017 there were just 1,126 mortgaged purchases by residential landlords compared to the average in preceding quarters of 2,500.  At the same time residential investment in Manchester has dipped far less.  Falling to 840 purchases by residential landlords compared to the average of 1000 in 2014 & 2015.

Many landlords are targeting rental yield over expected capital gains as the housing market in London slows after the introduction of much higher rates of Stamp Duty for investment properties.

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Monday, August 14, 2017

Regions leading student property investment

Student housing hotspots

Regional centres such as Southampton, Liverpool and Leicester are among the English cities to have seen the biggest growth in student housing owned by private landlords according to recent research.  Becoming a student landlord has been shown to have been a very profitable niche property investment over the last few decades as property prices continue to grow as student numbers have also continued to expand.

Student housing increasing

Countrywide has recently revealed figures that reveals that the number of homes lived in wholly by students has risen by 11,000.  Growth spots include Southampton (3,428), Liverpool (2,560) and Leicester (2,075). Other cities showing gains include Exeter, Brighton and Hove, Birmingham and Newcastle upon Tyne.

Landlords have been traditionally attracted to letting to students by the higher than average yields associated with multiple lets ( 2-3%).  The downside can be higher void periods in between lets and greater wear and tear associated with a multi let.

Room rents

The same research showed massive variations in average room rents from £280 in Sunderland and £414 in Southampton to £559 in Brighton and £752 in Tower Hamlets. Room rents reflect a degree the underlying capital values that landlords have to pay and the combination of the two translate into the overall property rental yield.

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Thursday, August 10, 2017

Drop in home repossessions

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House price growth flattest for 4 years - RICS

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Spanish Airbnbs to turn away tourists

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No landlords prosecuted over rubbish

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Natwest slashes BTL rates and fees

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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.

Airbnb not paying fair share of tax

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Sharp jump in ex-pat BTL interest

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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.

Wednesday, August 09, 2017

How to get your building listed

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Should social housing tenancies be time-limited?

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Castle Trust stress test BTL portfolios

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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.

£65m Gov support for largest Build to Rent site

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Graph of global property wealth

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22% of res sales incur 3% SDLT surcharge

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House price growth easing says Halifax

halifax july house price index 2017
  • Three month change (May-July) - down 0.2% than (February-April), a 4th quarterly fall. 
  • (May-July 2017) price up 2.1% from (May-July 2016)
  • Monthly price (July) up 0.4%.

Halifax's Russell Galley comments:

“House prices continue to remain broadly flat, as they have since the start of the year. Prices in the three months to July were marginally lower than in the preceding three months, while the annual rate of growth has edged down from 5.7% in January to 2.1% in July; the lowest rate since April 2013.

The rise in the employment level by 175,000 in the three months to May helped push the unemployment rate down to 4.5%, the lowest since June 1975. However, this improvement in the jobs market has not, as yet, boosted wage growth, resulting in earnings rising at a slower rate than consumer prices. This squeeze on spending power, together with the impact on property transactions of the stamp duty changes in 2016 now being realised, along with affordability concerns, appear to have contributed to weaker housing demand.

However, a continued low mortgage rate environment, combined with an ongoing shortage of properties for sale, should help continue to support house prices over the coming months.” 

Read in full -  Halifax House Price Index 

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Total UK wealth tops £10tn

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Monday, August 07, 2017

Calls for Torys to build more homes

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Nobody can solve this housing crisis

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Labour urge delay in universal credit rollout

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Outrage - tenants labelled 'household pests'

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Shapps calls for 2m new homes by 2022

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Trouble is brewing for the housing market

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The changing uses of a home annexe

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UK rental growth bounces back to 1.1%

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Thursday, August 03, 2017

Prime London Lettings Index - KF

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Leap in families affected by benefit gap

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BofE report on UK housing

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Landlords may dodge Energy Efficiency Standards

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Rents rise in home counties

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BofE keep interest rate at 0.25%

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How much can London landlords earn on Airbnb?

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This blog has been verified by Rise: Rbcce62c323fe5fecb655b7c4bbca4c47

No rent rise predicted



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UK house prices / mortgage rates graph

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Coventry BS reveals PRA friendly lending

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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.

Wednesday, August 02, 2017

Foundation unveils 2.99%, 5 yr fixed, BTL

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Brexit forecast to stall rate hike

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Five new rental apps to know about

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Belfast's first 'built to rent' block

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Per/m2 property prices soar 232%

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1 in 5 estate agents at risk of going bust

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Students accuse landlords of discrimination

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House price to rise 2% this year

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The most affordable cities in the UK

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The truth can hurt

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Tuesday, August 01, 2017

HMRC made to refund Stamp Duty surcharges

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Landlords reluctant to let to under 35s on HB

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Quick property overhaul tips

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Landlord Portfolio Management Past+Future

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Every flat sold to foreign investors

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Nationwide report little change in house prices

The latest Nationwide House Price Index - (July 2017) shows little change; annual property price inflation fell slightly, to 2.9%.

nationwide house price index july17


Nationwide's Chief EconomistRobert Gardner comments : 

“The annual pace of house price growth remained broadly stable in July at 2.9%, only a touch lower than the 3.1% recorded in June.

On the surface, this appears at odds with recent signs of cooling in the housing market. The number of housing transactions dipped to their lowest level for eight months in June, while in the same month the number of mortgages approved for house purchase moderated to a nine-month low of c.65,000, outside the 3-6% range, that has been prevailing for most of the past two years.

This pattern looks set to be maintained in the near term. Survey data point to relatively sluggish levels of new buyer enquiries, but at the same time surveyors report that relatively few properties are coming onto the market.

Ultimately, housing market developments will depend on wider economic performance. The UK economy slowed noticeably in the first half of the year and there has been little to suggest a significant departure from recent trends in the quarters ahead.

While employment growth has remained relatively robust, household budgets are coming under pressure as wage growth is failing to keep up with the rising cost of living.

This suggests that housing market activity is likely to remain subdued, with the balance in the market shifting a little further towards buyers in the quarters ahead. 

Nevertheless, constrained supply is likely to continue to provide support for house prices and, as a result, we continue to expect prices to rise by c.2% over 2017 as a whole - only modestly lower than the levels recorded in recent months.”


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FCA concerns over 'Rent to Own'

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Melton ups BTL LTV from 60% to 75%

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.