Landlords Face a Game of Two Halves -

As I have been saying in various posts and articles the one sure thing about the current buy-to-let game is that it's a game of two halves.

One half is the established landlord / property investor who has evolved a property portfolio during the last seven or more years, has refinanced sensibly and not over geared across their property portfolio. (less than 60% LTV).

For these landlords the future of buy-to-let remains strong, if maybe a little choppy over the short to medium term. A reasonably balanced article from Assetz frameworks many of the basic fundamentals for these landlords going forward.

The other side of the pitch ( I'll keep with the lazy, over used football analogies - it's still early in the morning) or the second half ( I'm confusing myself with the football analogies now ) are the new to the 'game' property investors.

These poor 'late substitute' landlords could be caught with well ' a kick in the nuts '. Those landlords who have invested in fraudently (in my opinion) valued new property ( city centre apartments) and have geared highly, as in 80% or more LTV are going to face the harsh decision as to whether to score a big financial home goal now, or continue to pay for their poor property investment decisions for many seasons to come. More on the second half in this FT Adviser article.

Up the reds - go on you blues!

Your darling Margo