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Friday, September 29, 2017

Most lenders don't allow Airbnb lettings

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Carney gives fresh hint rates will rise

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TSB adds new BTL deals

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Tel: 029 2069 5446

Welsh fee ban 'a dangerous move'

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Scottish rents mostly up


  • Average rents grow in four of five regions surveyed by Your Move 
  • Typical Scottish rent stands at £579, up 0.7% on July 
  • Landlords continue to enjoy returns of 4.9% 
  • The Glasgow and Clyde region is the only region to post a year-on-year fall

scottish rents september 17

Brian Moran of Your Move Scotland comments:

“Rental prices are increasing across much of Scotland thanks to high levels of demand and poor supply in many areas, with particular strain in Edinburgh which saw prices rise by 4.1% over the year.

Scottish landlords continue to see returns of close to 5%. It’s crucial that all landlords in Scotland start to prepare for the changes on
the horizon such as Letting Agent Code of Practice which is due to commence in early 2018.

Landlords should be talking with their agents now to make sure they are prepared for the changes and understand what it means for them, sooner rather than later.”

YourMove's latest BTL index


YourMove's BTL index for September shows-
  • Average rent across England and Wales is £904 this month 
  • Nine out of ten regions saw prices increase year-on-year 
  • Many areas see demand outstrip supply as tenant numbers rise 
  • Improvement in tenant finances 
Richard Waind from Your Move, comments:

“The strongest price growth continues to take place outside of London and the South East, with the East of England and the North West among the regions to grow faster in the last year.

However, despite rising rents, the yields achieved by landlords continue to be squeezed.

Following a drop off in new tenant enquiries after the Brexit vote last year and a resulting decrease in EU migration gures, we have started to see a resurgence in tenants coming to the market in recent months, particularly in London Figures are returning to the levels that we would expect around this time of year, with August and September being the busiest months for lettings as students, graduates and families working in the education sector look for new properties.”

This recovery in tenant enquiries, combined with continued subdued supply of new listings in the wake of recent tax changes affecting landlords, has been a key reason for price increases in the last year and could push rents up further in the coming months” 

yield and rent graph september

London property price fall: Nationwide's HPI


The Nationwide House Price Index for September is out, showing:
  • London's first price fall since 2005, down 0.6% year-on-year. 
  • UK annual house price growth stable at 2.0%.
nationwide house price index september 2017


Nationwide's Robert Gardner comments:

“The annual rate of house price growth remained broadly stable in September at 2.0%, compared with 2.1% in August.

Housing market activity, as measured by the number of housing transactions and mortgage approvals, has strengthened a little in recent months, though remains relatively subdued by historic standards.

Low mortgage rates and healthy rates of employment growth are providing some support for demand, but this is being partly offset by pressure on household incomes, which appear to be weighing on confidence. The lack of homes on the market is providing ongoing support to prices.

House price growth rates across the UK have converged in recent quarters. Annual growth rates in the south of England have moderated towards those prevailing in the rest of the country. London has seen a particularly marked slowdown, with prices falling in annual terms for the first time in eight years, albeit by a modest 0.6%. Consequently, London was the weakest performing region for the first time since 2005.
At its September meeting, the Bank of England’s Monetary Policy Committee (MPC) signalled that, if the economy evolves broadly in line with its expectations, an interest rate increase is likely in the months ahead. This would be the first increase in the Bank Rate since July 2007. 

Clearly, much will depend on how the economy evolves, but most economists and financial market pricing suggest that a small rise of 0.25% is likely at the MPC’s next meeting in November, which would take Bank Rate to 0.5%.

We would expect a modest rise in Bank Rate, by itself, to have only a modest impact on economic activity. Indeed, if rates are raised to 0.5%, monetary policy settings will still be a little more supportive than they were before Bank Rate was lowered to 0.25% in August 2016.

This is because the MPC is unlikely to reverse the other measures it put in place last year to support credit availability in the wider economy (such as the additional purchases of government and corporate bonds, which have helped to keep longer term borrowing costs low). Moreover, the MPC has signalled that it expects any increase in interest rates to be gradual and limited. Indeed, financial market pricing suggests that Bank Rate is only likely to rise by around one percentage point (to 1.25%) over the next five years."

nationwide regional house price september 17


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Tory MPs call for Universal Credit pause

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Central London rents rocket

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Thursday, September 28, 2017

Deregulation of English housing associations in 60sec

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Save on leasehold service charges

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Brokers 'uncomfortable' with portfolio lending changes

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Tel: 029 2069 5446

Swapping renting for shared ownership

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London build to rent pipeline booms

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BTL market braced for Corbyn's rent controls

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'Temporary landlord' tax guide from HMRC

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Corbyn's rent caps would damp investment

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Labour aim to become tenant's champion

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Central London Resi Development Report - JLL

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£5k fine for removing an owl from a barn

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Wednesday, September 27, 2017

Universal Credit is a social policy disaster

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Should interest rates go up pre-Brexit?

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Remortgaging takes big share of the market

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Tel: 029 2069 5446

Fine owners of draughty homes

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Tuesday, September 26, 2017

Property rental company launches 6% retail bond

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TMW under fire for BTL rule

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Tel: 029 2069 5446

The different faces of UK landlords

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ARLA's latest PRS report

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Brexit deal could push London prices up 20%

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Housing benefit claimants falling

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Rogue agents crackdown by London Trading Standards

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August mortgage approvals up... a bit

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£1m+ properties failing to sell

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Prime Housing Markets - Savills' report


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Monday, September 25, 2017

Tangled web of stamp duty

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Property Hawk is EVOLVING


Property Hawk is evolving to meet the needs of our mobile users and also we thought it was time for a freshen up.  You might notice a few cosmetic changes to the way it looks.  But the same quality content will all be there.  I hope you like it and we appologise in advance if there is the odd technical glitch over the next couple of days.  We will get it sort if you can bear with us.  On the software front there will be no change so you will still be able to use PM3.0s and PM2.0 in the same way.  Your data also remains safe.

Chris Horne
Founder
Property Hawk



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Tories to clampdown on foreign property buyers

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Can timing help you buy property cheap?

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Landlords refusing Universal Credit tenants

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Buy a forest to avoid stamp duty

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The best university towns for BTL

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Fire door safety week

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The university towns with 22pc property price growth

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Landlords told not to use agents

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Example loft conversions

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Friday, September 22, 2017

Camden landlord fined 40k for unlicensed HMO

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Together updates portfolio BTL lending

Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446

Portfolio landlords braced for tougher rules

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Down-valuations hitting property transactions

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Paperwork avalanche to hit portfolio landlords

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Scotland house price growth reaches 4.7%

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Thursday, September 21, 2017

Housing market update from KF

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Do not buy a 'fire risk' fridge

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London estate agents nervous over Brexit

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The UK's most expensive beach huts

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Oxford landlord fined £7,000

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Housing tenure - from 1961 to now

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Property transactions up 6.6% on the year

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£300 council property now for sale at £1.9m

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More PRS renters than homeowners by 2025

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Size matters to downsizes

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Wednesday, September 20, 2017

London landlords less confident

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New student block is Europe's tallest modular building

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Leasehold legislation needs to be right

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BTL tumbles in European ranks as yields fall

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Pension freedoms set to start a BTL boom

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Rental Repair Survey 2017 published

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London landlord handed record fine



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London's top co-working hubs

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Price fixing amongst estate agents

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Sajid Javid - give councils free reign to tackle rogue landlords

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Housing costs trebled for Millennials

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Housing across the generations -RF report

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Tuesday, September 19, 2017

Private rents 'propped up' by tax payers

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'Rate rise likely in coming months' says Carney

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Tax advice for landlords who rent out inherited property

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Collective ICR of 135% for BTL portfolios

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Tel: 029 2069 5446

House disguised as a garage to be torn down

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Urban oasis: development by a lake

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The next financial crisis is coming

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Homelet's rental data from August

Homelet's rental data for August has been posted; it shows
  • Annual rental growth is now at 2.4%
  • UK average monthly rents are £939.
  • Rents in London rose, following three successive months of decline.
  • The average monthly rent in London now at £1,609
  • 11 out of the 12 regions of the UK saw rents rises in August.
HomeLet’s Martin Totty comments:

“Whilst we’ve often observed a seasonal uplift in average rents at this time of year, there’s evidence of a trend now emerging which points to a reversal of the declines seen over the early part of this year. This will be welcome relief to Landlords who have been battered by the perfect storm of tax changes and post-Brexit uncertainties. Whether the trend continues or represents only temporary relief from the headwinds faced by property owners, the remaining months of 2017 should provide the answer.

Whether the recent strengthening in rents achieved, seen generally across all regions of the country, is driven by more robust demand or by some restriction of supply is hard to judge. Either way, landlords will only be encouraged to invest in property over other assets if they’re convinced they can achieve reasonable returns. If not, then the supply of rental properties could become constrained. Many landlords still face further increases in their costs and so will need to find a new equilibrium between their legitimate required returns and affordability for tenants. It seems the elements in solving that particular equation become ever more complex.”

HomeLet’s regional data is available in more detail via an online interactive infographic.


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Where house price inflation might go next

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Monday, September 18, 2017

1 in 5 landlords set to flee the market

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Hampshire Trust prepares BTLs for PRA

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Tel: 029 2069 5446

London's 'asking prices' fall by 2.9%

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Is this London's most unusual rental?

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Let's end buy-to let

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Universal Credit send rent arrears soaring

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Rightmove's latest house price index

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Interest rates will rise 4 times in 2018

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The problem with Universal Credit...

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Universal Credit is a train wreck - LibDems

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Secret Millionaire property developer jailed

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Parliament to debate rents and BTL affordability

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Saturday, September 16, 2017

Friday, September 15, 2017

Landlords must prepare for fee changes

Email:info@propertyhawkbtlmortgages.co.uk
Tel: 029 2069 5446

A rate rise is coming, says ratesetter


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HMO restrictions in Bath

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