FREE tenancy agreement
FREE landlord softwareTake advantage of our discounted landlord insurance ratesScottish charities become the latest bodies to call for a halt of Universal Credit roll-out - https://t.co/8nw6wvusJe #ukhousing pic.twitter.com/9INtotlCiH
— 24housing Magazine (@24housing) August 31, 2017
Thursday, August 31, 2017
Charities call for halt of Universal Credit
Avoiding 'out of hours' property emergencies
Take advantage of our discounted landlord insurance ratesHow to avoid out of hours property ‘emergencies’ and reduce costly contractor call-outs. https://t.co/wVd5R7vnVc @Adiuvo_UK pic.twitter.com/6BGw4r4aSK
— News on the Block (@newsontheblock) August 31, 2017
GOVUK property price paid search tool
Take advantage of our discounted landlord insurance ratesFind out how much a property sold for in England and Wales: https://t.co/h1XEbKIkRG pic.twitter.com/GB3A3Nk5YE
— GOV UK (@GOVUK) August 31, 2017
London second steppers face a big leap
Take advantage of our discounted landlord insurance ratesRevealed: the London borough with a 160% price gap between two-bed flats and three-bed houses https://t.co/9H8TcbhFwn
— ES Homes & Property (@HomesProperty) August 31, 2017
Strong Mortgage Approvals data - BofE
Strong Mortgage Approvals data for July just published by Bank of England. Data conflicts with much of the commentary on mkt #notaslump pic.twitter.com/i6feDIyo88
— Dan Cookson (@danc00ks0n) August 30, 2017
Take advantage of our discounted landlord insurance ratesCheap mortgage rates help lending hit nine-year high > clients @SPFPrivClients and @jeremyleaf comment https://t.co/DDrY2pyPTQ
— Melanie Bien (@melaniebien) August 31, 2017
Wednesday, August 30, 2017
BTL stamp duty doubles expectations
Take advantage of our discounted landlord insurance rates'Landlord tax' stamp duty changes raise £2bn a year from buy-to-let & 2nd home owners - double the amount expected https://t.co/p9Mkq2vgbI
— Jason Butler (@jbthewealthman) August 30, 2017
Gov review of fire safety regs
Take advantage of our discounted landlord insurance ratesGovt announces review of building and fire safety regs following the #GrenfellTower tragedy. https://t.co/jomKkHlpXG
— NLA (@nationalandlord) August 30, 2017
Shift toward commercial investment
Take advantage of our discounted landlord insurance ratesMore investors turn to commercial #property as residential sales dip https://t.co/vh1sSwqVN6 #Investment pic.twitter.com/LjDwNRtLa9
— Property PR (@propertypr) August 30, 2017
A house price crash - beware
Take advantage of our discounted landlord insurance ratesSome might pray for a house price crash, but be careful what you wish for | Patrick Collinson https://t.co/dmNn8cit6Z
— Guardian Money (@guardianmoney) August 29, 2017
London's 'Build to Rent' boom
Take advantage of our discounted landlord insurance ratesWhy, and where, developers are now building to rent instead of to sell: https://t.co/MK72dSorCr
— ES Homes & Property (@HomesProperty) August 30, 2017
Leytonstone tipped to be a landlord hotspot
Take advantage of our discounted landlord insurance ratesLondon’s Woodford, Leytonstone and Redbridge tipped to be landlord hotspots https://t.co/KCgDBtas3u pic.twitter.com/EUwRfwcSsg
— Mortgage Introducer (@MortgageChat) August 29, 2017
Tuesday, August 29, 2017
Uncertainty pushes landlords to sell
Take advantage of our discounted landlord insurance ratesLandlords make selloffs as political uncertainty hits market https://t.co/uhJ4GJzF8B
— FTAdviser (@FTAdviser) August 29, 2017
House prices to hit 15 times income
Take advantage of our discounted landlord insurance ratesEconomists: #HousePrices 'will hit 15 times the average income' https://t.co/VLbv7AHGG4
— Phil Stewardson (@PhilStewardson) August 28, 2017
DWP reissues Universal Credit landlord guidance
Take advantage of our discounted landlord insurance rates.@DWP have issued revised Universal Credit guidance to landlords https://t.co/StV1hBb6N9 pic.twitter.com/Pr1XPoMs3S
— ARLA Propertymark (@arla_uk) August 28, 2017
UK property growth slows - Nationwide
Nationwide's Robert Gardner reflects:
“The annual pace of house price growth moderated to 2.1% in August, from 2.9% in July. The slowdown in house price growth to the 2-3% range in recent months from the 4-5% prevailing in 2016 is consistent with signs of cooling in the housing market and the wider economy.
The economy grew by c.0.3% per quarter in the first half of 2017, around half the pace recorded in 2016. The number of mortgages approved for house purchase moderated to a nine-month low of c.65,000 in June and surveyors have reported softening in the number of new buyer enquiries.
Nevertheless, in some respects the slowdown in the housing market is surprising, given the ongoing strength of the labour market. The economy created a healthy 125,000 jobs in the three months to June and the unemployment rate fell to 4.4% – the lowest rate for over forty years. In addition, mortgage rates have remained close to all-time lows.
It may be that mounting pressure on household finances is exerting a drag. Wages have been failing to keep up with the cost of living in recent months and consumer sentiment has weakened. While measures of housing affordability are not particularly stretched at a UK level, pressures are evident in some regions – especially London and the South of England.
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 rebound in the months ahead. While employment growth has remained robust, household budgets are under pressure. This suggests that housing market activity will remain subdued.
Nevertheless, constrained supply is likely to continue to provide support for house prices. The stock of homes on estate agents’ books remains close to 30-year lows and the number of new homes coming onto the market remains subdued. As a result, we continue to expect prices to rise by around 2% over 2017 as a whole.”
UK house price growth slows despite job market growth https://t.co/luMMs7A41t— BBC Business (@BBCBusiness) August 29, 2017
House price fall renews concern over cooling UK economy https://t.co/ZXQnwLwNfx
— The Guardian (@guardian) August 29, 2017
Take advantage of our discounted landlord insurance ratesHouse price growth slows amid slowdown in wider economy https://t.co/14ilhw3p4M
— Telegraph Property (@TeleProperty) August 29, 2017
A cut in stamp duty is highly unlikely
Take advantage of our discounted landlord insurance ratesA cut in UK stamp duty this autumn is highly unlikely, says Savills @LucianCook – new blog: https://t.co/QR3A6LrBcP pic.twitter.com/ak1J7Sm8Ht
— Savills (@Savills) August 29, 2017
Bank of Mum and Dad funding rents
Take advantage of our discounted landlord insurance ratesBank of Mum and Dad is not just buying homes - it's now funding rents too https://t.co/DTaPeZo1aN
— Telegraph Property (@TeleProperty) August 28, 2017
Monday, August 28, 2017
When an auction property is not such a bargain.
If things are too good to be true they normally are! Check out the details of buying a property at auction
— JT (@theoriginaljt) August 26, 2017Take advantage of our discounted landlord insurance rates
Sunday, August 27, 2017
Accord cuts BTL rates
Accord cuts BTL rates and adds new deals - https://t.co/dPxABc1n5S— Mortgage Solutions (@mortgagesols) August 25, 2017
Accord cuts rates and boosts support for landlords https://t.co/6b3iZkLYm1
— FTAdviser (@FTAdviser) August 29, 2017
Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
Rightmove's latest rental tracker
Take advantage of our discounted landlord insurance ratesWhat was your reaction to the big changes this quarter in rental property asking prices? #Renters pic.twitter.com/SNRgWIA3Uc
— Rightmove (@rightmove) August 25, 2017
Saturday, August 26, 2017
Sterling steers expat BTL investors home
Plummeting Sterling driving expat BTL investors to UK property - https://t.co/jo9cv03VpH— Mortgage Solutions (@mortgagesols) August 25, 2017
Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
The end of the bachelor pad
Take advantage of our discounted landlord insurance ratesHousing crisis spells the end of the "bachelor pad" https://t.co/iwKnjXaA98 #property
— Northwood UK (@northwooduk) August 25, 2017
London rents rise for the first time this year
Take advantage of our discounted landlord insurance ratesThe cost of renting in London rises for the first time this year as the number of rental homes drops by 18%... https://t.co/JSc3Noxvgw
— Rentr Ltd. (@the_rentr_app) August 25, 2017
Friday, August 25, 2017
London property prices 'bottomed out'
Take advantage of our discounted landlord insurance ratesLondon's house price slowdown has 'bottomed out' but outlook is sluggish https://t.co/2FQT6Q7K4Z
— Telegraph Property (@TeleProperty) August 24, 2017
Benefit cap blamed for 85% cut in homes for the vulnerable
Take advantage of our discounted landlord insurance ratesBenefit cap blamed for 85% cut in new homes for vulnerable people https://t.co/WABw6SKePg
— National Housing Fed (@natfednews) August 25, 2017
Landlords sting tenants to cover tax changes
Take advantage of our discounted landlord insurance ratesLandlords sting tenants to pay for tax changes https://t.co/gsp7EfZnbj
— FTAdviser (@FTAdviser) August 25, 2017
Housing completions highest since 2008
Take advantage of our discounted landlord insurance ratesLatest DCLG data shows that in Q2 2017 housing completions in England were at highest level since 2008.#ukhousing pic.twitter.com/UGX1eovQHk
— Lichfields ThinkTank (@LichfieldsTT) August 24, 2017
Thursday, August 24, 2017
Landlords turn to holiday lets due to tax
Take advantage of our discounted landlord insurance ratesPrivate landlords turning to holiday lets due "perverse incentives" from Govt on extra tax -https://t.co/mQi2nEc9yp #ukhousing pic.twitter.com/E88xbWmXoj
— 24housing Magazine (@24housing) August 24, 2017
Wednesday, August 23, 2017
A spotlight on BTL lending niches
Jane Simpson, managing director at Property Hawk Mortgages says:
At Property Hawk Mortgages we receive a diverse range of enquiries relating mostly to buy-to-let mortgages and have seen significant improvement over recent years in the product options available for landlords, which has increased the likelihood of us being able to find suitable solutions for buy-to-let clients. We are also in a better position to help prospective landlords looking to enter the buy-to-let property sector.
First-time Landlords
Although the recent tax and regulatory changes affecting the buy-to-let sector may have made investing in residential rental property a less attractive proposition for some, there are still people looking to make their first buy-to-let purchases, usually referred to as “first-time landlords”.
Most of the lenders on our panel will consider first-time landlord applications, providing they are currently owner-occupiers in the UK. Foundation Home Loans has recently launched a specific product range for first-time landlords requiring a minimum of 6 months residential ownership, but this minimum requirement does vary between lenders. Some lenders such as Kent Reliance and Mortgage Trust do not state a minimum period of ownership, providing the applicant’s name is showing on the title deeds.
Some aspiring first-time landlords are looking to set-up a limited company for their initial purchase to avoid the recent tax relief changes for buy-to-let. This is certainly an option with lenders who accept limited company applicants and can make financial sense for some new landlords, although it is always recommended for clients to seek qualified tax advice beforehand.
We have also noticed first-time landlord enquiries relating to higher yielding properties such as HMOs and multi-unit properties which may provide a better return for buy-to-let investors. However, the options for first-time applicants are limited to just one lender – Kent Reliance – as all other specialist lenders for HMOs require a minimum amount of previous experience as a landlord. For example, Vida Homeloans requires 12 months experience and Paragon Mortgages requires 3 years.
First-time Buyers
Although there are many options for first-time landlords who are owner-occupiers looking to purchase their first buy-to-let property, the case is quite different for first-time buyers without their own residential property.
At Property Hawk Mortgages, we currently have five lenders who will consider first-time buyers including Vida Homeloans, Natwest, Bank of China, Bluestone and Together Mortgages. The main difference for first-time buyers is that the lenders available normally apply an affordability test alongside regular rental calculations and criteria.
For example, Vida Homeloans applies the same affordability calculation as for its residential mortgages and has a minimum income requirement of £15,000. Natwest requires £25,000 minimum income and uses a multiplier of 4.99 to calculate the maximum loan available; so, for a first-time buyer on £25,000 the amount they can borrow may be quite restrictive in terms of the type of property they can afford to purchase, regardless of the expected rental income.
Bank of China has a minimum income of £18,000 and Bluestone has an affordability calculator, but both lenders will only offer mortgages on a repayment basis. Together Mortgages has no minimum requirement for first-time buyers, but the rates being offered are considerably higher.
Ex-council properties
We have also noticed an increase in enquiries about ex-council properties, which may be seen as an opportunity for some landlords. We have a good selection of lenders who will accept ex-council houses without too many restrictions, however most lenders are more selective about ex-council flats. This includes stipulating the maximum number of storeys in a block of flats – Accord has a maximum of 6, Shawbrook has a maximum on 10 and Leeds BS will only accept up to 4.
Some lenders will offer lower loan-to-values products for ex-council flats and others require that the block has a certain percentage of private owner-occupiers e.g. both Axis Bank and Virgin require 50 per cent to be privately owned.
Some lenders prefer not to lend on flats with deck access and other lenders may impose more restrictive minimum property values for ex-council properties, such as Aldermore and Fleet Mortgages with a minimum value of £150,000.
Although it can sometimes be more challenging to find solutions for niche buy-to-let finance needs, it is encouraging to see the diverse range of cases that can be solved with the right lender knowledge and a dose of perseverance for exploring different options.
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.
At Property Hawk Mortgages we receive a diverse range of enquiries relating mostly to buy-to-let mortgages and have seen significant improvement over recent years in the product options available for landlords, which has increased the likelihood of us being able to find suitable solutions for buy-to-let clients. We are also in a better position to help prospective landlords looking to enter the buy-to-let property sector.
First-time Landlords
Although the recent tax and regulatory changes affecting the buy-to-let sector may have made investing in residential rental property a less attractive proposition for some, there are still people looking to make their first buy-to-let purchases, usually referred to as “first-time landlords”.
Most of the lenders on our panel will consider first-time landlord applications, providing they are currently owner-occupiers in the UK. Foundation Home Loans has recently launched a specific product range for first-time landlords requiring a minimum of 6 months residential ownership, but this minimum requirement does vary between lenders. Some lenders such as Kent Reliance and Mortgage Trust do not state a minimum period of ownership, providing the applicant’s name is showing on the title deeds.
Some aspiring first-time landlords are looking to set-up a limited company for their initial purchase to avoid the recent tax relief changes for buy-to-let. This is certainly an option with lenders who accept limited company applicants and can make financial sense for some new landlords, although it is always recommended for clients to seek qualified tax advice beforehand.
We have also noticed first-time landlord enquiries relating to higher yielding properties such as HMOs and multi-unit properties which may provide a better return for buy-to-let investors. However, the options for first-time applicants are limited to just one lender – Kent Reliance – as all other specialist lenders for HMOs require a minimum amount of previous experience as a landlord. For example, Vida Homeloans requires 12 months experience and Paragon Mortgages requires 3 years.
First-time Buyers
Although there are many options for first-time landlords who are owner-occupiers looking to purchase their first buy-to-let property, the case is quite different for first-time buyers without their own residential property.
At Property Hawk Mortgages, we currently have five lenders who will consider first-time buyers including Vida Homeloans, Natwest, Bank of China, Bluestone and Together Mortgages. The main difference for first-time buyers is that the lenders available normally apply an affordability test alongside regular rental calculations and criteria.
For example, Vida Homeloans applies the same affordability calculation as for its residential mortgages and has a minimum income requirement of £15,000. Natwest requires £25,000 minimum income and uses a multiplier of 4.99 to calculate the maximum loan available; so, for a first-time buyer on £25,000 the amount they can borrow may be quite restrictive in terms of the type of property they can afford to purchase, regardless of the expected rental income.
Bank of China has a minimum income of £18,000 and Bluestone has an affordability calculator, but both lenders will only offer mortgages on a repayment basis. Together Mortgages has no minimum requirement for first-time buyers, but the rates being offered are considerably higher.
Ex-council properties
We have also noticed an increase in enquiries about ex-council properties, which may be seen as an opportunity for some landlords. We have a good selection of lenders who will accept ex-council houses without too many restrictions, however most lenders are more selective about ex-council flats. This includes stipulating the maximum number of storeys in a block of flats – Accord has a maximum of 6, Shawbrook has a maximum on 10 and Leeds BS will only accept up to 4.
Some lenders will offer lower loan-to-values products for ex-council flats and others require that the block has a certain percentage of private owner-occupiers e.g. both Axis Bank and Virgin require 50 per cent to be privately owned.
Some lenders prefer not to lend on flats with deck access and other lenders may impose more restrictive minimum property values for ex-council properties, such as Aldermore and Fleet Mortgages with a minimum value of £150,000.
Although it can sometimes be more challenging to find solutions for niche buy-to-let finance needs, it is encouraging to see the diverse range of cases that can be solved with the right lender knowledge and a dose of perseverance for exploring different options.
Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
People don't want conservatories
Take advantage of our discounted landlord insurance ratesConservatories no longer a part of Brit's 'dream home' https://t.co/D5BSHFnVe1
— Telegraph News (@TelegraphNews) August 22, 2017
Leeds expands BTL cashback range
Leeds expands buy-to-let cashback range https://t.co/KgEVW4OlA6— FTAdviser (@FTAdviser) August 23, 2017
Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
New DWP helpline for landlords of UC tenants
Take advantage of our discounted landlord insurance ratesDWP introduces new helpline for landlords whose Universal Credit tenants will not communicate with them https://t.co/dsY8XU2UtE
— RLA Landlord News (@RLA_News) August 22, 2017
Boom in basement developments
Take advantage of our discounted landlord insurance ratesGoing underground: number of Britons digging basements soars https://t.co/PI6WFPkMlH
— Guardian Business (@BusinessDesk) August 23, 2017
East London Crossrail hotspots
Take advantage of our discounted landlord insurance ratesEmerging Crossrail hotspots in east London lead house price growth: https://t.co/EN7yKWJ762
— ES Homes & Property (@HomesProperty) August 23, 2017
Tenants staying put for longer
Take advantage of our discounted landlord insurance ratesTenants now staying put for longer https://t.co/CBhuqO3pgN pic.twitter.com/v960TRdMuo
— Mortgage Introducer (@MortgageChat) August 22, 2017
Planning applications rise by a quarter
Take advantage of our discounted landlord insurance ratesPlanning applications soar by a quarter in five years as stamp duty leads to 'improve not move' trend https://t.co/rIk2CiJGPr
— Telegraph Property (@TeleProperty) August 22, 2017
£500 cash back on BTL conveyancing
Take advantage of our discounted landlord insurance ratesLeeds launches £500 cashback for BTL conveyancing https://t.co/DGWosnOdjc #property
— Northwood UK (@northwooduk) August 22, 2017
Tuesday, August 22, 2017
Tax free BTL equity release products
Retirement Advantage unveils BTL equity release productshttps://t.co/mF54b3ulQN— Mortgage Strategy (@MortgageStrat) August 21, 2017
Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
PensionBee launches no-advisor drawdown
Take advantage of our discounted landlord insurance ratesPensionBee launches non-advised drawdown service https://t.co/TWTmHBsPjs
— FTAdviser (@FTAdviser) August 22, 2017
Property auction news - May, strong & stable
Take advantage of our discounted landlord insurance ratesDavid Sandeman from @AuctionProperty reports Auction new - May was strong and stable… https://t.co/TqwDD71s4I pic.twitter.com/7w6vfXi7di
— Together (@Together_Money) August 22, 2017
Property transactions nudge up - HMRC
Property sales confirm static market, HMRC data shows https://t.co/g6P9yEJsxM
— BBC Business (@BBCBusiness) August 22, 2017
Property transactions nudge up as housing market remains stable - HMRC - https://t.co/yuXHvMHWkj
— Mortgage Solutions (@mortgagesols) August 22, 2017
Property deals rise despite price wobbles https://t.co/DtodLwaFz7
— FTAdviser (@FTAdviser) August 22, 2017
Take advantage of our discounted landlord insurance ratesWhat will be more interesting is property transactions later in the year after UK real wages falls have fed through into housing demand. https://t.co/w6a1vsMfjb
— Noble Francis (@NobleFrancis) August 22, 2017
Rise in BTL remortgages ahead of PRA
Rise in re-mortgaging as tougher lending criteria for landlords approaches this October https://t.co/ljS5IAB5D7 #property— Northwood UK (@northwooduk) August 22, 2017
Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
Property affordability by postcode
Take advantage of our discounted landlord insurance ratesHow much do you have to earn per hour to buy a house in every UK postcode? https://t.co/sdu1Jzolwn
— Telegraph Property (@TeleProperty) August 22, 2017
London rental supply dropped 18%
Take advantage of our discounted landlord insurance ratesThe number of rental homes in London has dropped by 18% https://t.co/RCyJPUB9br
— ES Homes & Property (@HomesProperty) August 21, 2017
Monday, August 21, 2017
UK homemakers fall by 2 pc
Take advantage of our discounted landlord insurance ratesNumber of UK homemovers falls by 2pc - dampening market for first-time buyers https://t.co/qtZrpWniFB
— Telegraph Property (@TeleProperty) August 21, 2017
Rightmove house price data for Aug
So, what's changed in the housing market this month? Find out in our latest House Price Index: https://t.co/szq4h9x8Bs #property #news #HPI pic.twitter.com/F8MPvbl0c1
— Rightmove (@rightmove) August 21, 2017
House prices: Northants leads Midlands 'mini-boom', says Rightmove https://t.co/2geNijogaW
— Guardian news (@guardiannews) August 21, 2017
Take advantage of our discounted landlord insurance ratesCentral England enjoying above-average capital appreciation https://t.co/pDwtkPtyLF #property
— Northwood UK (@northwooduk) August 22, 2017
1 in 10 own second homes
One in ten British adults is now a second home owner https://t.co/luCu1RfIkb #property
— Northwood UK (@northwooduk) August 21, 2017
In case missed over the weekend, new @resfoundation analysis of the rise of multiple property ownership in Britain: https://t.co/DdCko94WiQ pic.twitter.com/vtecTvR9pr
— Laura Gardiner (@lauracgardiner) August 21, 2017
Take advantage of our discounted landlord insurance ratesMultiple property ownership up 30% as young squeezed out - https://t.co/Pav0w673O3
— Mortgage Solutions (@mortgagesols) August 21, 2017
BM Sol. unveils portfolio lending details
Take advantage of our discounted landlord insurance ratesBM Solutions unveils LTV and RCR limits for portfolio landlords - https://t.co/8r66d4erHi
— Mortgage Solutions (@mortgagesols) August 21, 2017
Boom in micro homes
UK sees boom in number of properties smaller than 37sqm: Would you buy a ‘micro-home’? https://t.co/CcAeSS8vIz
— Telegraph Property (@TeleProperty) August 21, 2017
Take advantage of our discounted landlord insurance ratesHow big - or in this case should we say small - is your house? 🏚 #microhousing https://t.co/FYgyKy1KDB
— BBC Business (@BBCBusiness) August 22, 2017
The Airbnb boost to property prices
Take advantage of our discounted landlord insurance ratesOur latest research on Airbnb covered in @Daily_Express https://t.co/eX8yMbQWSF
— RLA PEARL (@RLA_PEARL) August 21, 2017
Northants leads Midlands mini-boom
Take advantage of our discounted landlord insurance ratesHouse prices: Northants leads Midlands 'mini-boom', says Rightmove https://t.co/JOXYAR7OCq #Housing pic.twitter.com/zm9U6L7VT2
— Property PR (@propertypr) August 21, 2017
Gap in the Housing Act - possessions
Take advantage of our discounted landlord insurance ratesNo ground 8 possession claim possible on a 4 weekly rent period? Not come across this... https://t.co/eOvtt4C1y8
— Nearly Legal (@nearlylegal) August 21, 2017
Equity release boost for BTL market
Equity release boost for the buy-to-let market https://t.co/WNod3nAzfB pic.twitter.com/F5QMttpd7M— Mortgage Introducer (@MortgageChat) August 20, 2017
Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
House price growth to slow to 1.5%
Take advantage of our discounted landlord insurance ratesCountrywide: House price growth to slow to 1.5% in 2017 https://t.co/6UcIHY9dSD pic.twitter.com/gJ9rnKZWzA
— Mortgage Introducer (@MortgageChat) August 21, 2017
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...
Take advantage of our discounted landlord insurance ratesEngland prices up 5% YoY, Scotland 3.5% - how about Wales & NI? #property @checkproperty https://t.co/lJhdj1tGIp pic.twitter.com/HkiiN8ti7T— katefaulkner (@katefaulkner) August 17, 2017
Thursday, August 17, 2017
London landlords fail to declare tax
Naughty ...Naughty! Remember landlords avoiding tax is perfectly legal. Tax evasion is against the law!
Take advantage of our discounted landlord insurance ratesHalf of landlords in one London borough fail to declare rental income https://t.co/OY44viJzKF
— Darren Woolsey (@DarrenWoolsey1) August 16, 2017
Wednesday, August 16, 2017
Skipton reduces BTL mortgage rates
Take advantage of our discounted landlord insurance ratesSkipton reduce BTL rates ... https://t.co/hC9scc0lQY pic.twitter.com/Rw4m7osOvQ— Innov8 Estates (@Innov8estates) August 15, 2017
Tuesday, August 15, 2017
Mortgage market summary for June
Take advantage of our discounted landlord insurance ratesMortgage market summary for June. Worrying trend is falling house purchase approvals, likely to lead to fall in transactions #ukhousing pic.twitter.com/eNYaWu4B8L— Mohammad Jamei (@mjjamei) August 15, 2017
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.
Take advantage of our discounted landlord insurance rates
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.Student Landlord insurance - specialist providers
Friday, August 11, 2017
Brokers hike portfolio landlord fees
Take advantage of our discounted landlord insurance ratesBrokers forced to hike fees for portfolio landlords https://t.co/MyMg2vDSm7
— FTAdviser (@FTAdviser) August 10, 2017
Thursday, August 10, 2017
Drop in home repossessions
Take advantage of our discounted landlord insurance ratesHome repossessions drop amid low interest rates https://t.co/GbWLIefmSx
— BBC Business (@BBCBusiness) August 10, 2017
House price growth flattest for 4 years - RICS
News | Today's #RICSresi Market Survey shows activity in the UK #housing market faltering. https://t.co/jYRRIoVjcP pic.twitter.com/oHqQrPKFpM
— RICS (@RICSnews) August 10, 2017
House price growth at flattest level in four years: RICS - https://t.co/Ia1vLVD0Vb
— Mortgage Solutions (@mortgagesols) August 10, 2017
'Political uncertainty' blamed for slowdown in UK property market https://t.co/GriJcgmALk
— Guardian Business (@BusinessDesk) August 10, 2017
House price growth weakest in four years https://t.co/nGeo2Zorx6
— FTAdviser (@FTAdviser) August 10, 2017
Take advantage of our discounted landlord insurance ratesLatest Rics index points to ‘subdued’ UK housing market – analysts https://t.co/GCIg1UX5MZ #property
— Property PR (@propertypr) August 10, 2017
Spanish Airbnbs to turn away tourists
Take advantage of our discounted landlord insurance ratesBritish tourists face being turned away from Airbnb apartments in Spain https://t.co/i8JQ1RnT72
— Telegraph News (@TelegraphNews) August 10, 2017
No landlords prosecuted over rubbish
Take advantage of our discounted landlord insurance ratesNot one landlord of a student house has been prosecuted over rubbish - https://t.co/IovytIk5ys
— Welsh Landlords (@welsh_landlords) August 10, 2017
Natwest slashes BTL rates and fees
NatWest slashes BTL rates and fees - https://t.co/DHHbTuZp5j— Mortgage Solutions (@mortgagesols) August 10, 2017
Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
Airbnb not paying fair share of tax
Take advantage of our discounted landlord insurance ratesAirbnb faces EU clampdown for not paying 'fair share' of tax https://t.co/HwK2iqznTP
— Guardian news (@guardiannews) August 10, 2017
Sharp jump in ex-pat BTL interest
Sharp jump in expat buy-to-let interest at Skipton International - https://t.co/MUiYk5TLfk— Mortgage Solutions (@mortgagesols) August 9, 2017
Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
Wednesday, August 09, 2017
How to get your building listed
Take advantage of our discounted landlord insurance ratesDoes your home make the grade? How to get your building listed by Historic England https://t.co/FqT2UOk69S
— Telegraph Property (@TeleProperty) August 8, 2017
Should social housing tenancies be time-limited?
Take advantage of our discounted landlord insurance ratesIf social housing is precious, tenancies should be time-limited | Josh Crites https://t.co/exmS1S763x
— Guardian Housing (@GuardianHousing) August 9, 2017
Castle Trust stress test BTL portfolios
Castle Trust to stress test portfolio buy-to-let with tiered ICRs https://t.co/xw4l5Yteg2 pic.twitter.com/zArWP5dkSB— Mortgage Introducer (@MortgageChat) August 8, 2017
Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446
£65m Gov support for largest Build to Rent site
Take advantage of our discounted landlord insurance rates£65 million government support for UK's largest Build to Rent site https://t.co/2vPxIDUn4j pic.twitter.com/tB9eRydCRM
— ARLA Propertymark (@arla_uk) August 7, 2017
Graph of global property wealth
Take advantage of our discounted landlord insurance rates10 countries hold 70% of global commercial & residential real estate value – new blog from Savills World Research: https://t.co/XMjh6oWdE1 pic.twitter.com/BENrgEdOig
— Savills (@Savills) August 9, 2017
22% of res sales incur 3% SDLT surcharge
Take advantage of our discounted landlord insurance rates22% of residential sales in the past 12 months incurred 'the 3% SDLT surcharge for Additional homes #dataloftInform pic.twitter.com/dk91a0lPnJ
— Dataloft (@dataloftuk) August 9, 2017
House price growth easing says Halifax
- 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%.
“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
Take advantage of our discounted landlord insurance ratesHouse price growth continues to ease, but prices are still 2.1pc higher than last year https://t.co/SvgNJoOum4— Telegraph Property (@TeleProperty) August 7, 2017
Total UK wealth tops £10tn
Take advantage of our discounted landlord insurance ratesTotal UK wealth tops £10tn thanks to City and property boom https://t.co/VFNu91hPlR
— NLA (@nationalandlord) August 8, 2017
Tuesday, August 08, 2017
£195k prefab homes - the future of new-build
Take advantage of our discounted landlord insurance ratesAre £195k prefab homes the future of new-build housing? https://t.co/POqZjqOH0J
— ES Homes & Property (@HomesProperty) August 5, 2017
Cheap mortgages already coming to an end
Take advantage of our discounted landlord insurance ratesEnd of TFS signal end to cheap mortgages https://t.co/WtZEaruCLN
— Property Matters (@PropMatters_) August 6, 2017
Monday, August 07, 2017
Calls for Torys to build more homes
Take advantage of our discounted landlord insurance ratesThe view that the Conservatives should build more houses is at last filtering through to the party https://t.co/6DMXbULXSd
— The Economist (@TheEconomist) August 6, 2017
Nobody can solve this housing crisis
Take advantage of our discounted landlord insurance ratesNo political party in the UK can realistically solve the housing crisis https://t.co/8Xpisp5hsB #ukhousing
— Dorian - Belvoir! (@Dorian_Belvoir) August 6, 2017
Labour urge delay in universal credit rollout
Take advantage of our discounted landlord insurance ratesLabour MPs urge government to delay universal credit rollout https://t.co/W6blFgcomW
— Guardian news (@guardiannews) August 6, 2017
Outrage - tenants labelled 'household pests'
Take advantage of our discounted landlord insurance ratesOutrage at eviction company advert calling tenants ‘household pests’ https://t.co/QBAMlZHTcz
— Guardian news (@guardiannews) August 5, 2017
Shapps calls for 2m new homes by 2022
Take advantage of our discounted landlord insurance ratesFormer housing minister @Grantshapps says 2m homes must be built by at least 2022 to solve housing market crisis. https://t.co/nb16sGrDqz pic.twitter.com/dQWwMquduv
— The Negotiator (@TheNeg) August 7, 2017
Trouble is brewing for the housing market
Take advantage of our discounted landlord insurance ratesHouse prices have avoided a post-referendum slump. Poke beneath the surface, however, and trouble is brewing https://t.co/NygPDVkyl1
— The Economist (@TheEconomist) August 7, 2017
The changing uses of a home annexe
Take advantage of our discounted landlord insurance ratesFrom multi-generational living to Airbnb, how has the role of the home annexe changed? New Savills blog: https://t.co/vNmF9pnJRa pic.twitter.com/cq6NN6y2gX
— Savills (@Savills) August 4, 2017
UK rental growth bounces back to 1.1%
#HomeLet #RentalIndex reveals the highest annual UK rent increase since December 2017: https://t.co/h7lb0Cd7QX pic.twitter.com/NFNBPNz2yy
— HomeLet (@HomeLet) August 7, 2017
#HomeLet's July #RentalIndex reveals that rents increased in nine of the 12 UK regions covered in the research https://t.co/yOXNNODGUV pic.twitter.com/P13v7AzO3Q
— HomeLet (@HomeLet) August 7, 2017
Rents bounce back as analysis suggests talk of slowing market could be overplayed https://t.co/x3Mo7BuZuy
— Telegraph Property (@TeleProperty) August 6, 2017
Take advantage of our discounted landlord insurance ratesUK rental growth bounces back to 1.1% https://t.co/nOUqgqh66D pic.twitter.com/cQVVmnsNmJ
— Mortgage Introducer (@MortgageChat) August 6, 2017
Thursday, August 03, 2017
Prime London Lettings Index - KF
Take advantage of our discounted landlord insurance ratesPrime Central London Lettings Index: July 2017 https://t.co/kXQuazS9WI @TomBill_KF pic.twitter.com/LXEJqKdU5k
— Knight Frank (@knightfrank) August 3, 2017
Leap in families affected by benefit gap
Take advantage of our discounted landlord insurance ratesBig jump in number of families affected by the benefit cap after limit is lowered. 7/10 are single parents. @DWP pic.twitter.com/yNzVtJFPBd
— Mark Easton (@BBCMarkEaston) August 3, 2017
BofE report on UK housing
The Bank of England Inflation Report on the UK housing market's current state & outlook going forward.#ukhousing https://t.co/5rrkTLffDQ pic.twitter.com/ff4XkULRq8
— Noble Francis (@NobleFrancis) August 3, 2017
Take advantage of our discounted landlord insurance ratesWe've published our latest quarterly #InflationReport https://t.co/DXpoYeEi8y #SuperThursday
— Bank of England (@bankofengland) August 3, 2017
Landlords may dodge Energy Efficiency Standards
Take advantage of our discounted landlord insurance ratesEnergy efficiency standards: are landlords about to be let off the hook? https://t.co/hRX8Nt14yV
— NLA (@nationalandlord) August 3, 2017
Rents rise in home counties
Take advantage of our discounted landlord insurance ratesRents rise in home counties as commuters move east - https://t.co/y2brMwDSSo
— Mortgage Solutions (@mortgagesols) August 3, 2017
BofE keep interest rate at 0.25%
MPC holds #BankRate at 0.25%, maintains government bond purchases at £435bn and corporate bond purchases at £10bn. pic.twitter.com/ccUHh8b2IG
— Bank of England (@bankofengland) August 3, 2017
Bank of England vote 6-2 in favour of 0.25pc interest rate https://t.co/sG18RvP2vF
— The Telegraph (@Telegraph) August 3, 2017
Watch the #InflationReport press conference live at 12:30pm: #SuperThursday https://t.co/HytRYwmB9Z
— Bank of England (@bankofengland) August 3, 2017
Monetary policy summary and minutes of the MPC meeting ending on 2 August 2017 https://t.co/bXyE4rrnmZ #BankRate #SuperThursday
— Bank of England (@bankofengland) August 3, 2017
Take advantage of our discounted landlord insurance ratesBREAKING: Bank of England cuts forecasts for economic growth and holds interest rates by 6-2 https://t.co/jeTOaqjWSX pic.twitter.com/3Ww5Vsux2T
— Bloomberg Brexit (@Brexit) August 3, 2017
How much can London landlords earn on Airbnb?
Take advantage of our discounted landlord insurance ratesHow much could you earn on #Airbnb? Find out in 60 secs with @PorticoProp #valuation tool https://t.co/apMJEEHkab #landlords pic.twitter.com/3pJlolqHjc— Portico Property (@PorticoProp) July 31, 2017
This blog has been verified by Rise: Rbcce62c323fe5fecb655b7c4bbca4c47
No rent rise predicted
'No rate rise' predicts former MPC member https://t.co/80W4pjdrLa
— BBC Business (@BBCBusiness) August 2, 2017
Take advantage of our discounted landlord insurance rates
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