Gov. home-ownership rates over-stated

Generation rent: official figures overstate home ownership, says study https://t.co/d57ZKYHsaZ

— Guardian news (@guardiannews) December 27, 2016

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Can a landlord take the deposit if they sell?

The latest The Welsh Landlords Daily! https://t.co/88vCU5PHo9 Thanks to @labour_zone @elfinkitchens @Bowerygals #landlords #property

— Welsh Landlords (@welsh_landlords) December 27, 2016

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Where to rent in London

Revealed: where to rent in London in 2017: https://t.co/5Z5uHaKNbs pic.twitter.com/YIIctjuLcu

— ES Homes & Property (@HomesProperty) December 27, 2016

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Landlord submits 140 planning applications

Landlord forced to submit 140 applications to prove flats are lawful #landlords https://t.co/pla6qshmkz

— Rynew Property (@RynewProperty) December 28, 2016

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Halifax's price forecast for 2017

UK house prices to rise marginally in 2017, says Halifax https://t.co/jZEcsWAi5n

— Guardian news (@guardiannews) December 28, 2016

House price growth 'to slow in 2017' https://t.co/o70bKtthjd

— BBC Business (@BBCBusiness) December 28, 2016

Annual house price growth expected to slow in 2017https://t.co/cWCrlZOPDP

— FTAdviser (@FTAdviser) December 28, 2016

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The house of the year

.@Kevin_McCloud reveals why this James Bond lair won the House of the Year award 2016: https://t.co/OOGUUbHh4i pic.twitter.com/XqMZdGI2Ea

— ES Homes & Property (@HomesProperty) December 22, 2016

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Have your say on the Spring Budget

Heres a gift for those of you who truly hate Christmas.

Crack open the Quality Street and get those fingers tapping.

Peace.

#HaveYourSay on the Spring Budget 2017 by filling in our short survey by Friday 20 January 2017. https://t.co/SeIL7KVq7W

— HM Treasury (@hmtreasury) December 22, 2016

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SDLT on second props boosts Gov tax receipts

Stamp duty land tax boosts tax receipts https://t.co/AcNqnDwF9i

— BBC Business (@BBCBusiness) December 21, 2016

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ONS rental data for November

The ONS have published their data on private rents for November 2016.

There data shows annual growth of private rents in Great Britain rose by 2.3% (the same growth rate recorded in October)

Annual growth of private rents are 2.4% in England, 0.1% in Scotland and 0.3% in Wales in the 12 months to November 2016.

Regionally, the South East still has the highest growth rate at 3.4%.

Read in full - the ONS Index of Private Rental Price November 2016

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Bexley Council consult on licensing scheme

Bexley Council are consulting on new landlord licensing schemes. Have you say https://t.co/jmZDoXMLDK @HMOKnowledgeHub pic.twitter.com/fR4Iakve2q

— LondonPropLicensing (@lplicensing) December 21, 2016

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A graph of housing policy changes

The year that was.... 2016 residential market round-up https://t.co/uWei7RjnIs @knightfrank pic.twitter.com/0G2duFohM8

— Gráinne Gilmore (@ggilmorekf) December 21, 2016

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The rise of generation rent

The rise of Generation Rent: number of young homeowners halved in the last 20 years https://t.co/Wb92X4HzVR

— Telegraph Property (@TeleProperty) December 22, 2016

Under-25s home ownership slides in past 20 years https://t.co/fAEPRnhRNk

— BBC Business (@BBCBusiness) December 22, 2016

Home ownership among 25-year-olds in England and Wales has halved in 20 years https://t.co/KlMYIwTydB

— Guardian Housing (@GuardianHousing) December 22, 2016

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Crossrail's house price boost already 22%

Crossrail boosts local house prices by 22% - before the new line has even opened https://t.co/MeL0OvmbPo pic.twitter.com/Ohl3n90BRp

— Zoopla (@Zoopla) December 20, 2016

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Gov calls to stop housebuilder's leasehold sales

Housebuilders must halt leasehold sale of new houses, says minister https://t.co/qto5dZahqA #property via @guardian

— NorthwoodUK (@northwooduk) December 21, 2016

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New build data from Savills

Are new build numbers in England on course to meet the government's target by 2020? Savills research takes a look: https://t.co/mDz1sX2qAm pic.twitter.com/q7srzdat1F

— Savills (@Savills) December 20, 2016

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RICS predicts 3% price rise in 2017

UK property will increase by 3% on average in 2017 predict RICS.

Surveyor's crystal balls believe 2017 will see -

• Transactions will stabilise, but fall short of 2016 
• Restrictive supply will pushing prices up by 3%
• Rents up by 2-3%

RICS guesstimate that transaction activity in 2017 will be between 1.15m and 1.2 m properties ( below the 1.25 m expected for 2016).

With UK house price growth of 3% predicted in 2017,  surveyors picked out  East Anglia, North West and West Midlands as their favourites to out perform the national average.

They believe Central London will stabilise after a poor 2016.

RICS Simon Robinson comments:

'Although recent announcements by the government on housing are very welcome, the ongoing shortfall of stock across much of the sales and lettings markets is set to continue to underpin prices and rents. As a result, the affordability challenge will remain very much to the fore for many. Meanwhile the lack of existing inventory in the market is impacting the ability of households to move and will contribute toward transaction activity over the whole of 2017 being a little lower that in the year just ending.'

UK housing forecast | Prices will see an average increase of 3% over the course of 2017. https://t.co/MvPSjq5kis #RICSresi #UKhousing pic.twitter.com/chp17YRdcK

— RICS (@RICSnews) December 21, 2016

UK house price growth will slow to 3% in 2017, say surveyors https://t.co/77zHdDqoYk

— Guardian news (@guardiannews) December 21, 2016

RICS: Housing supply is 'a major constraint' https://t.co/HqXc7t2kTk

— BBC Business (@BBCBusiness) December 21, 2016

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ARLA warns on extending HMO licensing

ARLA warns of unintended consequences of plans to extend the scope of mandatory licensing of HMOs https://t.co/0N7OV8qAfr

— ARLA (@arla_uk) December 21, 2016

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Agents see rents increasing in 2017

80% of letting agents expect rental growth to increase in 2017 following the Autumn Statement's announcement on a ban of letting agency fees for tenants.

ARLA agents also report seeing a fall in rental demand in November, as the rental market slows towards Christmas. The average number of prospective tenants per ARLA branch fell to 32, down from 34 in October.

The average number of rental properties managed per ARLA branch was up, at 185, compared with 182 in October's data.

63 % of agents believe 2017 will see a fall in rental property supply as a result of additional taxes for landlords: stamp duty, capital gains tax. 

ARLA's David Cox says: 

“The number of rent hikes reported by letting agents continued to decrease in November, and it’s a shame the ban on letting agent fees will have the opposite impact on rent prices when the measure comes into force. The BTL market is becoming less attractive for investors as the ban on fees, combined with the scrapping of mortgage interest relief and the stamp duty increase on second homes push costs up for landlords. So unfortunately, regardless of the uplift we saw in supply this month, we expect to see the number of properties available to rent fall next year.”

Read ARLA's November 2016 Private Rented Sector Report

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A gassy tale for landlords

Tis the season to be jolly. It's also that time of year when gas engineers are impossible to get hold of. ( unless you've got a service contract )

I thought this story might act as a seasonal warning to any desperate landlords tempted to get that spanner out for any gas emergencies this holiday.

'Don't ever be tempted to fiddle with gas repairs' ; underlined, and with bells on.


A Gassy Tale

Landlord, Paul Perry has just been found guilty at Plymouth Crown Court of making repairs to a gas pipe leading to a cooker at one of his rental properties without having any training or safety certificate.

The court heard how this misguided landlord's botched repairs caused a gas leak which was thankfully identified before any harm was done.

A qualified engineer identified the fault and reported the landlord's handiwork to the Health and Safety Executive (HSE).

Following an investigation it was discovered that Paul Perry had not had an annual gas safety certificates carried out on the property for seven years.

Perry was handed a sentence of 10 months in prison, suspended for 18 months, and ordered to pay £4,000 in costs.



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Government fears a 'nimby' backlash

'Nimby' backlash fear for Cabinet ministers ahead of major new year assault on the planning system https://t.co/eZcHSLfv8A

— Telegraph News (@TelegraphNews) December 18, 2016

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Airbnb UK tax history questioned

Airbnb UK tax history questioned as income passes through Ireland https://t.co/w9WCorx77X

— Guardian news (@guardiannews) December 19, 2016

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The fallout from a rent rise

So much of what's wrong with housing summed up in this story from Bristol - looks like a former council house too https://t.co/FlWTqbxura

— Jules Birch (@jules_birch) December 19, 2016

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Misleading property investment firms

Property investment firms misleading customers, #Which? findshttps://t.co/p4ZEmKpkzC

— Property Matters (@PropMatters_) December 17, 2016

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London price growth falls to 3yr low

House price growth in London falls to 3 year low #property @HometrackGlobal https://t.co/SDjjXq6gU1

— FTAdviser (@FTAdviser) December 16, 2016

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BTL clampdown to cause plunge in sales

Clampdown on #buytolet will 'send home sales plunging' https://t.co/LAkhsTK0lT

— NLA (@nationalandlord) December 16, 2016

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Rent Smart Wales evaluated

Rent Smart Wales takes stock following PACEC report findings https://t.co/e3hTjanTF8

— ARLA (@arla_uk) December 15, 2016

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Falls in mortgage lending

Mortgage lending falls 11% in a year & BTL borrowing drops a fifth https://t.co/tat2tD2QTZ #property

— NorthwoodUK (@northwooduk) December 15, 2016

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Interest rate unchanged

UK interest rate left unchanged at 0.25% https://t.co/OW8CSZRYfv

— BBC Business (@BBCBusiness) December 15, 2016

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EON launches landlord service

E.ON has launched a new service for private landlords which helps them manage the energy accounts and costs of multiple properties through one easy to use online tool.

The launch follows direct feedback from landlord customers that they wanted to be able to manage the set up and switchover of energy accounts more easily, including ensuring meter readings are kept up to date so customers are billed accurately and appropriately.

Although it’s anticipated the ‘E.ON Landlord’ service will be particularly helpful for landlords with numerous properties in their portfolio, those with just one property should also find the service useful.

• Once they’ve registered, E.ON Landlord can help customers who are private landlords:
• access information about their property portfolio anytime, day or night;
• view at a glance the current status of each property;
• advise E.ON of changes in tenancy, update contact details, and submit opening and closing meter readings;
• input information about if and when gas safety checks are required at a property;
• register interest for self-reading smart meters at their properties to help tenants better manage their energy use.

As part of the new service, private landlords can also sign up to the E.ON Landlord tariff which is exclusively available through the online service. The tariff ensures landlords pay no standing charge for up to 30 days if a property is unoccupied between tenants1.

David Bird, Managing Director of E.ON’s Residential business, said: 

“Anyone who runs a household’s finances knows that there can be a lot of admin involved. We know this can be a huge challenge for landlords with multiple properties, so we’ve launched our E.ON Landlord online service and tariff to help make the whole process easier and to allow landlords to better control their property portfolios.

As well as being able to access the service whenever it suits them, landlords can now easily view and update the status of numerous properties through one easy to use tool.”


To find out more about E.ON Landlord or to sign up, visit landlords.eonenergy.co.uk

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HMO challenges in seaside towns

HMOs bring problems and solutions to the English coast https://t.co/vFyPEHDhOV

— Guardian Housing (@GuardianHousing) December 15, 2016

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Who are landlords?

Who are we? 

Well, its a good question, and the Council of Mortgage Lenders, with help from the London School of Economics have attempted to answer it from the responses of 2,500 landlords. 

Here's what they found out on

Mortgages

• Surprisingly, 49% of us own all our property outright. 
• 47% of us have a BTL mortgage.
• Of those with BTL mortgages, over half had portfolio LTV's below 60%.
• Only 1% had overall portfolio LTVs over 90%, ( they also sweat profusely at night. )

Portfolio size

• 62% of us own just one rented property, 
• The average size of  a BTL portfolio is 2.7 properties ( less than in 2004 )

Age

• We are getting older ( 24% were over 55 in 2004, now 61% of us are over 55 )

Profile

• Typically, we live close to our rental properties, over a third of us always self-manage, the a similar amount use an agent, the rest pick and mix.
• We have typically invested for both capital growth and income, as a way of supporting our retirement and current income.
• Two thirds of us earn less than 25% of our income from rent, with only1 in 20 of us making a full-time living from being a landlord.
• Nearly a quarter of us were accidental landlords who fell into renting out property.

Income

• The median average rental income was £7,500 per year.
• The mean average figure jumped to £17,300, (pushed up by some very high rental incomes). 

The future

• Most of us see rental property as long term hold. There is a slight sentiment amongst us to sell up or reduce portfolio size as a response to tax changes.
• Most of us expect net income to remain the same, or increase slightly over the next five years. 16% of BTL landlords expect incomes to fall.

 Download - The CML Profile of UK Landlords 2016

The rise of the silver haired buy-to-let landlord https://t.co/jvYINxnYVV #property

— Property PR (@propertypr) December 15, 2016

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Only 4 regions above pre-crash peak

Real house prices since pre-crash peak of 2008

London: +42%
EE: 17%
SE: 16%
SW: 1%

EM: -1%
WM: -4%
YH: -11%
NW: -12%
NE: -20%#ukhousing pic.twitter.com/X1p6M1Hss2

— Joe Sarling (@joesarling) December 13, 2016

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Gov. consult on landlord banning orders

The Government are consulting on their planned 'banning orders for landlords and letting agents'.

As part of the Housing and Planning Act 2016, banning orders could be placed on rogues landlords or agents who commit an offence against their tenant, eg, breaches of health and safety regulations, an illegal eviction, failing to act on improvement notices, intimidation, renting to illegal immigrants, fraudulent HB claims, cannabis cultivation. 

Once placed, a banning order could be stop an agent or landlord from letting or managing property for a minimum period of 12 months, up to a maximum unlimited period. Alongside the ban, the name of the agent/landlord would be placed on a newly formed  national database of rogue landlords.

The government wants feedback on the specific offences that should result in a banning order.

This consultation period ends - February 10th 2017

Housing Minister Gavin Barwell explained: 

‘Banning orders will allow us to drive out the worst offenders and help make sure millions of hard-working private tenants across the country are protected from exploitation. While the vast majority of landlords are responsible we are determined to tackle the minority who abuse and exploit vulnerable people. As part of the government’s commitment to improving standards within the private rented sector, banning orders will protect tenants and target the small minority of poor landlords and property agents. They will also help local authorities to take robust and effective action against rogues who knowingly rent out unsafe and substandard accommodation.’

Give the DCLG your feedback on landlord / agent banning orders

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Homelet record slowing of rental growth

Homelet's Rental Index for November 2016 reports slowing rental growth.

• Average UK rental value now £898pcm, 3.1% higher than last year (£872pcm) 
• Lowest annual growth in Greater London (1.6%) and the East Midlands (1.6%) 
• Rents are 27.7% of average income. 

Read in full - Homelet's Rental Index for November 2016  

Year-on-year rents rose just 3.1% in November in the UK https://t.co/Ov2StuiZI1 pic.twitter.com/z7iqsv8RPS

— Landlord Lowdown (@landlordlowdown) December 14, 2016

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Check for sub-letting during the Xmas holidays

With many tenants, particularly students heading back to parental homes for Christmas, they might see their empty digs as a financial resource, left untapped.

'Let's Airbnb it?' a more resourceful tenant might suggest.

So for those landlords who haven't already underlined the terms of their lease, it might be worth doing so now, to prevent any unwanted sub-letting going on over the holiday period.

It may also be worth doing a fly-by of your rental properties over the Christmas holidays, to check your instructions are not ignored.

For in the right location, a decent holiday let might just well pay for the tenant's Christmas; a tempting prospect, what with all that present buying.

Baaaah humbug!

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BTL investor says Gov. is ruining his life

Buy-to-let investor, 28: The Government is ruining my life's workhttps://t.co/kaebgfbicN pic.twitter.com/9rRN4HDIYs

— Telegraph Money (@MoneyTelegraph) December 9, 2016

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Finding the right asking price

How to find the perfect asking price with 41% of home sellers getting less than they hoped for https://t.co/8Jg0QIRI73 @jeremyleaf #property

— Dorian - Belvoir! (@Dorian_Belvoir) December 13, 2016

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High property taxes crippling economy

My column -- Britain’s insanely high property taxes are crippling our economy. Cut them now.
https://t.co/vqVdVw4eXK via @telebusiness

— Allister Heath (@AllisterHeath) December 13, 2016

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House prices up by 0.1% - Land Registry

Land Registry October HPI data puts annual property price growth at 6.9%, following a rise of 0.1% in October.  The average UK property now costs £216,674.

October saw average property prices in: England rise 0.1%, Wales rise 1%, London fall 1.2%.

UK monthly #houseprices rose 0.1% since September 2016, average #propertyprice now £216,674 https://t.co/kMUPyNX7Qs pic.twitter.com/sCkS4dy5ep

— Land Registry (@LandRegGov) December 13, 2016

House price inflation slows again, ONS says https://t.co/pAvhgM4HLU

— BBC Business (@BBCBusiness) December 13, 2016

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Is shared ownership cheaper than renting?

Is shared-ownership cheaper than renting? https://t.co/DG6ebJWDDr pic.twitter.com/SI5yl6Q9yg

— ES Homes & Property (@HomesProperty) December 12, 2016

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Housing policies driving up prices

Housing policies just drive up prices, government warned https://t.co/7nDFwR3I1V #property

— NALScheme (@NALScheme) December 12, 2016

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House price growth slows again - LSL

Novembers 2016 House Price Index from LSL Property Services for England and Wales has -

• Prices up 0.1% in November
• London has the lowest annual house price growth in the country 
• Value areas experience strongest growth 
• Annual growth now at 3.1%
• Average house prices up £380 over the month to £295,276

Transaction levels show a slight improvement on established low levels, with an estimated 77,500 sales in November.

Your Move and Reeds Rains director, Adrian Gill  says,

“House price growth has slowed again, but in London, as elsewhere, there’s still appetite to continue driving up prices where buyers see value.

For all the talk of Brexit uncertainty, the main factor driving up prices in the housing market is still supply and demand. That imbalance remains even after the Government announcements in the Autumn statement.”

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House prices forecast to rise 2% in 2017

House prices to rise 2% in 2017 – Rightmove https://t.co/9RyJzX4KGg

— Guardian news (@guardiannews) December 12, 2016

UK house prices tipped to rise by two per cent in 2017 says @rightmove: https://t.co/sVPE15hlbX pic.twitter.com/0d8HLANmjb

— ES Homes & Property (@HomesProperty) December 12, 2016

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Why house prices haven't fallen

For some Remainers, the prospect of a slump in property prices was one of Brexit’s few silver linings. No such luck https://t.co/aTaYqDdQQM

— The Economist (@TheEconomist) December 12, 2016

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London rents fall

London's Generation Rent can breathe a sigh of relief as rents fall https://t.co/GKJFnIrqLb

— Telegraph Property (@TeleProperty) December 12, 2016

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Demolition crew destroy wrong house

Demolition crew destroy wrong house while owner is out at work https://t.co/3ZfhDL2nnT

— Telegraph News (@TelegraphNews) December 8, 2016

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Landlords charge for passport checks

LLs really never miss a way to improve their public image, do they? https://t.co/2EC4SDEP1W

— Nearly Legal (@nearlylegal) December 7, 2016

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Is it worth divorcing to reduce stamp duty?

Is it worth divorcing to reduce our stamp duty bill? https://t.co/nlV6GaD9xg

— Guardian Money (@guardianmoney) December 8, 2016

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Avoid fraud -register with Land Registry

Our free Property Alert can help detect fraudulent activity on your property https://t.co/NiFh1kpxsh. Join the 50,000 who have signed up. pic.twitter.com/nKHHslndHJ

— Land Registry (@LandRegGov) December 8, 2016

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Victory for landlords over agent commission

Victory for landlords over agents’ commission claim https://t.co/RLHeSdKZP5

— RLA Landlord News (@RLA_News) December 6, 2016

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The collapse in BTL purchases

Revealed: the extent of the buy-to-let market collapse https://t.co/HvOGznk71t

— Telegraph Property (@TeleProperty) December 9, 2016

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L&G build to rent fund attracts £170m

Legal & General's build to rent (BTR) fund has attracted £170m in investment, bringing its total value to £1bn.https://t.co/5BeoroD2yF

— UK Apartment Assoc (@TheUKAA) December 8, 2016

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Sluggish housing market starved of supply

Britain's sluggish housing market remains starved of new supply https://t.co/ukkO9ySzi9

— Telegraph Property (@TeleProperty) December 8, 2016

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Paragons stricter BTL affordability tests

BTL lender Paragon have updated their affordability calculations to accommodate the increased financial burden of the coming changes to mortgage interest rate tax relief for landlords paying the higher tax rate.

Paragon's Interest Cover Ratio (ICR) for any higher rate tax payers is to rise from 125% to 140% when assessing an applicants affordability.

Those landlords not in the higher tax rate, or those using limited companies will see no change, with ICR staying at 125%.

The Reference Interest Rate used for their affordability calculation is also set to change; rising from 4% to either 2% above product rate or 5.5%, whichever of the two figures is higher. ( this will not effect some long term fixed rates )

John Heron, Director of Mortgages, said, 

“Government policy towards the Private Rented Sector will increase costs for landlords and it is clear that this will need to be reflected in lender affordability assessments.

The PRA’s supervisory statement released in September this year is helpful in ensuring that lenders approach this in a consistent fashion.

The changes that we’re announcing today are designed to tailor affordability to each landlord’s individual circumstances, whilst keeping the application process straightforward for brokers and their customers.”


PH - Leeds BS have just followed suit; expect more lenders to do the same.

Search the whole BTL mortgage market free 

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.

RICS predict slow start to 2017

News | #RICSresi survey shows increase in sales activity. Slow start to 2017 expected due to lack of stock. https://t.co/jyhiGh1mZP #housing pic.twitter.com/iEVCK9FKwc

— RICS (@RICSnews) December 8, 2016

Surveyors warn housing market faces slow start to 2017 @RICSnews #mortgages https://t.co/81jFQtGGeh

— FTAdviser (@FTAdviser) December 8, 2016

Housing market faces slow start to 2017, says Rics https://t.co/tR8gPHvJBB

— BBC Business (@BBCBusiness) December 8, 2016

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Tenant evictions graph - 37,000 in 15/16

#MPSE16: Insecurity for renters - evictions by landlords rose from 23,000 in 10/11 to 37,000 in 15/16. @jrf_uk https://t.co/3Lao7CvEFZ pic.twitter.com/kNAbpUEdkA

— New Policy Institute (@npi_research) December 7, 2016

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BTL lending through Ltd companies hits 100,000

Buy-to-let lending through limited companies hits 100,000 in nine months - Mortgage Solutions https://t.co/vzIhXYE0jM

— Black Book Finance (@BlackBookFin) December 3, 2016

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What is Local Housing Allowance (LHA)?

NEW explainer: The #rentgap: what is the local housing allowance? https://t.co/Y15qmUwPIT #ukhousing #benefitscap

— Guardian Housing (@GuardianHousing) December 7, 2016

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RICS call for a database of renters

Government should set up a database of renters, says Rics https://t.co/R5aYKak7Uf

— Telegraph Property (@TeleProperty) December 7, 2016

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Where can you get the biggest BTL mortgages?

Buy-to-let crackdown: Where can you still get the biggest mortgages?https://t.co/LyArLzos7b pic.twitter.com/OjyzGh3ajN

— Telegraph Money (@MoneyTelegraph) December 7, 2016

Search the whole BTL mortgage market free 

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.

Annual house price growth 6% - HalifaxHPI

Halifax's House Price Index from November 2016 data has been published.

UK House November 2016 prices (seasonally adjusted)

• Annual change +6.0% 
• Quarterly change +0.8% 
• Monthly change +0.2% 
• Average Price £218,002 

Martin Ellis, Halifax housing economist, said:

“House prices in the three months to November were 0.8% higher than in the previous quarter. This increase followed little movement in prices on this quarterly measure in both September and October. The annual rate of growth also increased, rising for the first time for eight months, from 5.2% in October to 6.0%.

Despite November’s pick-up, the annual rate has been on a steady downward trend in recent months since reaching a peak of 10.0% in March. Heightened affordability pressures, resulting from a sustained period of house price growth in excess of earnings rises, appear to have dampened housing demand, contributing to the slowdown in house price inflation. Very low mortgage rates and an ongoing, and acute, shortage of properties available for sale should help support price levels although annual house price growth may slow over the coming months.” 

House prices rise for first time since March, but market is 'losing momentum' https://t.co/E1deGv65MN

— Telegraph Property (@TeleProperty) December 7, 2016

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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.

Landlord Insurance - internet rates

Investing in purpose built student accommodation

Mail on Sunday article https://t.co/T6Lql6LYWO featuring @AllsopLLP and @Prideview

— Richard Adamson (@RichardAdamso15) December 5, 2016

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Best BTL mortgages for a company

Buy-to-let: best-buy mortgages if you set up as a company https://t.co/ELcrSXLfjm

— Collected News (@CollectedN) December 5, 2016

Search the whole BTL mortgage market free 

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.

London property hotspots for 2017

London #property hotspots for 2017 https://t.co/4FlL2cP0bs

— NorthwoodUK (@northwooduk) December 5, 2016

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5yr property forecast for Aberdeen

What's the outlook for Aberdeen's residential property market compared to the whole of Scotland? New analysis: https://t.co/blsXO7P8g8 pic.twitter.com/KKrcZhkBfG

— Savills (@Savills) December 5, 2016

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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.”

Search the whole BTL mortgage market free 

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.

Read in full, Nottingham City Council's - Proposal for a Scheme of Selective Licensing for Privately Rented Houses
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A north/south property divide map

This map shows how stark the North-South #property divide is https://t.co/gjIa9SDZ84

— NLA (@nationalandlord) December 4, 2016

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The growth of limited companies in PRS

Landlords scramble to avoid higher buy-to-let taxes, report finds https://t.co/yglc6Lobxx

— Guardian news (@guardiannews) December 2, 2016

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Newham licensing scheme consultation

Will extending Newham's rented property licensing scheme help tackle anti social behaviour? Have your say https://t.co/ESINXxMJEk @4_Walls pic.twitter.com/9jsoyoggWK

— LondonPropLicensing (@lplicensing) December 1, 2016

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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?

At 20, am I too young to invest in buy-to-let property? https://t.co/UMrg0sq3LT

— NLA (@nationalandlord) December 1, 2016

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Airbnb puts 90 day limit on London landlords

Airbnb introduces 90-day annual limit for London hosts https://t.co/yDfjsCEpCh

— hilaryosborne (@hilaryosborne) December 1, 2016

Airbnb agrees to enforce rental limits in Europe https://t.co/cCd6bK9itC #property

— Property PR (@propertypr) December 1, 2016

Airbnb to crack down on hosts renting their homes for more than 90 days https://t.co/TwMHp3UIKr

— Telegraph Property (@TeleProperty) December 1, 2016

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West Brom's profits hit by landlord action

West Brom’s profits hit by court ruling https://t.co/LBMpspHqpH

— FTAdviser (@FTAdviser) December 1, 2016

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5 year regional price forecast from KF

Britain's housing market is defying Brexit doom forecasts - a 5 year price forecast from one analyst: https://t.co/12quKiWsn3 #uk #property pic.twitter.com/OALEFLuf2z

— Dorian - Belvoir! (@Dorian_Belvoir) November 30, 2016

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Immigration Act -offence comes into force today

Immigration Act 2016 - New offence come into force from today #righttorent https://t.co/b3ZfvaE2Wf

— ARLA (@arla_uk) December 1, 2016

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Slowing annual house price growth - 4.4%

UK house price growth slowed in November, says Nationwide https://t.co/pmImhvRFBJ

— BBC Business (@BBCBusiness) December 1, 2016

House price growth slows in November @AskNationwide https://t.co/qwyTbeICgU

— FTAdviser (@FTAdviser) December 1, 2016

House price growth lowest for 10 months, says Nationwide > client @jeremyleaf comments https://t.co/QJGl1b3pkx via @MailOnline

— Melanie Bien (@melaniebien) December 1, 2016

Nationwide: Further slowing annual growth in UK house prices in November. 4.4% growth vs 4.6% in October.#ukhousinghttps://t.co/vHNzUupfhu pic.twitter.com/5OhTZOMPYK

— Noble Francis (@NobleFrancis) December 1, 2016

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ONS latest immigration data

Immigration of non-EU citizens 289k, EU citizens 284k, and British citizens 77k (year to June 2016) https://t.co/ctHj8W1Q3g pic.twitter.com/OrkWNb4CQz

— ONS (@ONS) December 1, 2016

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JAMs struggle to pay for housing

A Housing Jam: More than 1 in 4 'just managing' households now spend at least a third of their income on housing, up from 14% in the mid-90s pic.twitter.com/xGZA8DWvj6

— ResolutionFoundation (@resfoundation) November 30, 2016

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Onthemarket branded a failure by Zoopla

Zoopla wins back customers from online property rival https://t.co/Nz0U02XJa9 #property

— Property PR (@propertypr) November 30, 2016

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Accord cuts BTL rates

Accord cuts buy-to-let rates https://t.co/WyQ7MXV1gP

— FTAdviser (@FTAdviser) November 30, 2016

Search the whole BTL mortgage market free 

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.

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