Homeownership unaffordable

Homeownership unaffordable despite 95% mortgages, analysis shows https://t.co/ZXZ8pjnFue

— Property Hawk (@landlordnews) April 19, 2021

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The health of housing

Can house prices maintain their high annual growth rate? https://t.co/AtYsniaGT4

— Investors' Chronicle (@IChronicle) April 18, 2021

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UK property market outlook - KF

What happens in the UK property market when furlough ends?

UK Property Market Outlook: Week Beginning 19 April https://t.co/Ir0CMOBHNU

— Tom Bill (@TomBill_KF) April 19, 2021

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A flood of new BTL products

Buy-to-let investors looking to remortgage or expand their portfolios have been handed a boost, with lenders launching more than 200 new mortgage deals last month.
➡️https://t.co/NDlkRheLzJ pic.twitter.com/xC56XJSOrd

— Which? Money (@WhichMoney) April 19, 2021

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Leaseholders seek cladding repairs

"I'm taking my freeholder to court for my £4,000 remediation bill."

As Government funding falls short, desperate leaseholders are taking legal routes to tackle the cladding repairs crisis.@MelissaLawford hears from one of them https://t.co/hvoTASMRXs#EndOurCladdingScandal pic.twitter.com/A2DdUHCfkD

— Telegraph Property (@TeleProperty) April 15, 2021

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Zoopla's BTL investing tips

Thinking of investing in a buy-to-let? Here are our top tips on how to choose the right property > https://t.co/vJvq7Wpx4k pic.twitter.com/EJjv5eIHqJ

— Zoopla (@Zoopla) April 16, 2021

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Brokers optimistic about BTL business

Half of brokers are anticipating higher levels of buy-to-let mortgage business over the coming yearhttps://t.co/l0z4JMpeCd

— FTAdviser (@FTAdviser) April 14, 2021

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Covid: 700k ‘no-fault’ eviction notices

About 700,000 renters served with ‘no-fault’ eviction notices since start of pandemic https://t.co/baVkvFxLCB

— Property Hawk (@landlordnews) April 15, 2021

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Pepper adds new BTL product

Pepper adds new BTL product; reduces income requirementshttps://t.co/QTtKyh97CR

— Mortgage Strategy (@MortgageStrat) April 14, 2021

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House tour shows personal data

Estate agent's hi-tech house tour shows personal data - including insurance policy document and an invoice https://t.co/eq72vCi0RO

— BBC Business (@BBCBusiness) April 13, 2021

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Rightmove gets agents back

Many but not all of the agents who left during the height of the #SayNoToRightmove campaign have now taken the 'sweetener' deals on offer to return. @rightmove https://t.co/51GnoSKKGV

— The Negotiator (@TheNeg) April 14, 2021

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Coventry raises BTL rates

Coventry raises BTL rates by up to 20 basis pointshttps://t.co/QcOT5Z2JMe

— Mortgage Strategy (@MortgageStrat) April 14, 2021

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Central London: reduced rents

House hunting? 🏠 https://t.co/tYVAeVCCHx

— Homes & Property (@HomesProperty) April 14, 2021

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House prices: boom to boom

House prices: from boom to even bigger boom https://t.co/tPaeBlUAdN pic.twitter.com/ae6fYE5q7l

— MoneyWeek (@MoneyWeek) April 9, 2021

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TSB revises BTL affordability

TSB revises BTL affordability and raises maximum age to 80 - https://t.co/K9dKNi3lyp TSB has increased the maximum age for buy-to-let applicants from 75 to 80 and made changes to how it as... pic.twitter.com/LzQlZqyPWK

— Mortgage Solutions (@mortgagesols) April 7, 2021

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24 hour inspection notices

Can landlords rely on '24 hour' inspection notices if they don’t actually give any date or time? - The Landlord Law Blog : https://t.co/vlSestT8JN #landlordlaw pic.twitter.com/SnleoJ4lFO

— Tessa Shepperson (@TessaShepperson) April 7, 2021

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BTL investors seek larger loans

BTL investors seek larger loans as they look to diversify - client @SPFPrivClients comments https://t.co/yfoug5Wfgi

— Melanie Bien (@melaniebien) April 7, 2021

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Evictions mediation service plan

Details of new evictions mediation service revealed https://t.co/dzTm8o1GIZ #ukhousing pic.twitter.com/6o6YpPCt5L

— Inside Housing (@insidehousing) April 8, 2021

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Sharp pick-up in UK construction

Sharp pick-up in UK construction amid rapid economic recovery https://t.co/FY7dOCQYk5

— Guardian Money (@guardianmoney) April 8, 2021

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House price dip in March

Data from Nationwide shows that house prices fell 0.2% month-on-month in March when accounting for seasonal factors, compared to a 0.7% rise in February. https://t.co/WYtvnrN1E1

— Property Matters (@PropMatters_) April 1, 2021

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How do we fix UK housing?

How do we fix the UK housing crisis? https://t.co/5jwf0Pvd8u

— Guardian Money (@guardianmoney) April 1, 2021

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11% sold over asking price

NAEA: 11% of properties sold over asking price https://t.co/oFnXaaOHqA

— Mortgage Introducer (@MortgageChat) March 29, 2021

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Green Homes Grant scheme axed

Green Homes Grant scheme to insulate houses axed https://t.co/bQ5gKAQL8U

— roger harrabin (@RHarrabin) March 28, 2021

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Lending reaches five-year high

Lending reaches five-year high in February: BoE https://t.co/qacQLNmZbj

— Mortgage Strategy (@MortgageStrat) March 29, 2021

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Govt failing to address rent debt

NRLA: Govt failing to address rent debt crisis https://t.co/3CbZR9pzGD

— Mortgage Introducer (@MortgageChat) March 26, 2021

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Renters Reform Bill proposals

In the latest article as part of our series taking a closer look at our Renters' Reform Bill proposals, campaigns officer Alexandra Williams writes about conciliation and court reform https://t.co/jiolMBhAkt #RentersReformBill

— NRLA - National Residential Landlords Association (@NRLAssociation) March 22, 2021

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Why are house prices so high?

Why are house prices so high? And what could make them more affordable? https://t.co/C6C25hraO3 pic.twitter.com/c1C0xUO7o8

— MoneyWeek (@MoneyWeek) March 23, 2021

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Landlords and Build to Rent

The latest Landlord & Lawyer Podcast featuring @TessaShepperson @BeadleBen and me.

Talking all things #BuildtoRent #BTR #Residential #Investment https://t.co/F8dHks6ONz

— Richard Berridge ♻️ (@ResiRichard) March 22, 2021

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Buyer demand - 80% higher

Buyer demand is now 80% higher vs the four-year average, spurred by Government measures, according to @Zoopla.

The market is also moving faster, with the average house selling 20 days quicker than flats last month 👇

🔓 Read more (free today) here: https://t.co/crlK4OKJBP pic.twitter.com/WmPOCJ4Eql

— Telegraph Property (@TeleProperty) March 23, 2021

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5 post pandemic city trends

What will the ‘new normal’ mean for our cities, and how can the post-pandemic city bounce back better than before?

One year on... here five emerging trends that will shape post-pandemic cities: https://t.co/bjbVf5kqKK pic.twitter.com/CEpfheEsMi

— Savills (@Savills) March 23, 2021

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New limited company BTL products

Foundation Home Loans add two limited company BTL products https://t.co/XMTwahl5YA

— Mortgage Introducer (@MortgageChat) March 23, 2021

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Scottish house prices up 9%

Scottish house prices up 9% in January https://t.co/wmbBmuvRj5

— Mortgage Strategy (@MortgageStrat) March 18, 2021

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Unlimited fines for fire safety

Home Office says #landlords or responsible persons will fall under the remit of the new #FireSafety Order, which follows the #Grenfell tragedy. #HMOhttps://t.co/y1rRZRJrkD

— The Negotiator (@TheNeg) March 18, 2021

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What next for house prices?

What is next for mainstream #residential house prices? Despite the economy contracting by -10%, house prices rose by 7.3% over the year, as the stamp duty holiday added a sense of urgency to a market that was driven more by behavioural change.

Read more: https://t.co/24amzv6GdE pic.twitter.com/z9YrT6mLAy

— Savills (@Savills) March 15, 2021

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Fixed BTLs go below 3%

Lenders slug it out on BTL fixes as rates go below three per cent - https://t.co/Ic6vu3FIcB Lenders Paragon and Landbay have slashed rates on their fixed buy-to-let mortgages as com... pic.twitter.com/85jhcH2xqc

— Mortgage Solutions (@mortgagesols) March 15, 2021

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Welsh Renting Homes (Amendment) Bill

The Renting Homes (Amendment) Bill recently passed stage four, and will now go to Royal Assent. In this blog @NRLAWales policy officer Calum Davies explains what landlords need to know https://t.co/5VgSH31PzH

— NRLA - National Residential Landlords Association (@NRLAssociation) March 13, 2021

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Rent hit record high: Hamptons

Pandemic stock squeeze pushes rent to record high: Hamptonshttps://t.co/HF0DMOCZuU

— Mortgage Strategy (@MortgageStrat) March 15, 2021

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Benefits freeze and rent arrears

Benefits freeze will leave tenants across Britain facing rent arrears of £1,000 https://t.co/pAY9tozlRH

— Guardian Money (@guardianmoney) March 13, 2021

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Paragon cuts rates on BTL range

Paragon cuts rates on BTL range https://t.co/cBoaxesY54

— Mortgage Introducer (@MortgageChat) March 15, 2021

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Strongest sellers’ market

Strongest sellers’ market for a decade: Rightmove https://t.co/l6xJ6yWclK

— Mortgage Strategy (@MortgageStrat) March 15, 2021

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UK Property Market Outlook: KF

There are still unanswered questions for the UK property market but few doubts that Q2 will be busy

UK Property Market Outlook: Week Beginning 15 March https://t.co/TYQyK0u7qI

— Tom Bill (@TomBill_KF) March 15, 2021

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Rise in asking price : Rightmove

@Rightmove reveals that number of buyer enquiries are at record levels and that sales agreed are 12% up on March last, before the first lockdown. #PropertyMarkethttps://t.co/EVOJNvSyfa

— The Negotiator (@TheNeg) March 15, 2021

Asking prices rise in March as market looks set for busy spring – Rightmove - https://t.co/F2LZ39AYH7 The average asking price for a property coming to market rose 0.8 per... pic.twitter.com/xas6CmmB5q

— Mortgage Solutions (@mortgagesols) March 15, 2021

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House prices tipped to rise

House prices tipped to rise by twice as much in Yorkshire as in London https://t.co/u6tekkzOJw

— Property Hawk (@landlordnews) March 9, 2021

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Savills housing market update

As the Budget announcement showed, the #Government is committed to supporting the #housing market. Read more in our latest housing market update here: https://t.co/fhdpPZDoYF pic.twitter.com/YpGDzmcS6Y

— Savills (@Savills) March 9, 2021

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House prices dip for second month

House prices dip for second month in a row https://t.co/YyzvrtP1nU

— Homes & Property (@HomesProperty) March 7, 2021

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Census day is approaching

Census day is fast approaching. Learn more: https://t.co/DUhoOcrtg8

— NRLA - National Residential Landlords Association (@NRLAssociation) March 7, 2021

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31% surge in lending: UK Finance

Stamp duty rush sees 31% surge in lending: UK Finance https://t.co/Pop8OZq9WF

— Mortgage Strategy (@MortgageStrat) March 4, 2021

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Not helpful for ‘generation rent’

If the government really wanted to help ‘generation rent’, it would not be acting to inflate house prices https://t.co/qdBw5jwVDo #ukhousing pic.twitter.com/xwq1gqBJUX

— Inside Housing (@insidehousing) March 4, 2021

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A post Budget house price surge

For a while, it looked like house prices might cool off a little this year. But after the Budget, that seems unlikely. Here’s why. https://t.co/vmtexrMTwj pic.twitter.com/z55TucDaO5

— MoneyWeek (@MoneyWeek) March 4, 2021

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Budget housing boom looms

Budget housing boom looms as millions of buyers hit agents’ websites - clients @jeremyleaf @SPFPrivClients comment in the Evening Standard https://t.co/1JKOY0oNpP

— Melanie Bien (@melaniebien) March 4, 2021

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Landlord ordered to pay back £740k

‘Rogue’ landlord ordered to pay back £740k in earnings from ‘overcrowded’ properties in #Brent: https://t.co/zC838gtxGD pic.twitter.com/RqT2DcjqOi

— Planning Magazine (@PlanningMag) March 3, 2021

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Govt backed 95% mortgages

Rishi Sunak says some of the largest lenders will be offering government backed 95 per cent mortgages from next monthhttps://t.co/z934mFdjX5

— FTAdviser (@FTAdviser) March 3, 2021

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The Budget and housing

Stamp duty holiday extended and 5% mortgage guarantee scheme introduced https://t.co/e2e9OLexgb #ukhousing pic.twitter.com/GojNroTUi1

— Inside Housing (@insidehousing) March 3, 2021

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Stamp Duty holiday extended

The £125k nil rate band will not return until the end of Septemberhttps://t.co/2OxkYtlqOn

— FTAdviser (@FTAdviser) March 3, 2021

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Business rates holiday for retail

Business rates holiday for retail, leisure and hospitality in England extended to June
#Budget2021 https://t.co/Jk52rOzrkK

— BBC Business (@BBCBusiness) March 3, 2021

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ARLA's Budget update

#Budget2021 includes measures to extend furlough to September, #Universalcredit uplift £20 for a further 6 months, maintain tax at 19% on businesses with profits under £50k, #apprenticeships funding £3k for each new hire, Stamp Duty ext to end of June. pic.twitter.com/e0XWt6df19

— ARLA Propertymark (@arla_uk) March 3, 2021

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Landlords face a double whammy

Landlords face a double whammy as the Chancellor is also looking to increase corporation tax from 19% to as much as 25% https://t.co/bGMDbT4oWx

— Telegraph Property (@TeleProperty) March 1, 2021

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Rental voids fall by three days

Rental voids fall by three days in February: Goodlordhttps://t.co/nTHtqLDM3q

— Mortgage Strategy (@MortgageStrat) March 2, 2021

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UK house prices rise: Nationwide

UK house prices see 'surprise' pick-up, says Nationwide https://t.co/ebnByZwkqR

— BBC Business (@BBCBusiness) March 2, 2021

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£5bn fund for High Street recovery

Budget 2021: £5bn fund for High Street to recover from Covid https://t.co/hObIltxyhE

— BBC Business (@BBCBusiness) February 28, 2021

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Cladding crisis price discounts

Rocketing fire safety costs are forcing leaseholders to accept up to £200,000 price discounts from cash buyers as the cladding crisis threatens the wider housing market, writes @MelissaLawford https://t.co/aQvq2gYrYf#EndOurCladdingScandal

— Telegraph Property (@TeleProperty) February 28, 2021

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Mortgage guarantee scheme

Mortgage guarantee scheme aims to boost high LTV loans https://t.co/tYXjnFlEKO

— FTAdviser (@FTAdviser) March 1, 2021

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Rightmove has record day

Rightmove has record day as more homeowners plan to sell post-lockdown https://t.co/zvrArISoVd

— Mortgage Introducer (@MortgageChat) February 26, 2021

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Planned CGT hike for landlords

Planned changes to corporation and capital gains tax could cost buy-to-let landlords almost £7,000 each, reports @MariannaHunt5 https://t.co/PNm9tMaXju

— Telegraph Property (@TeleProperty) February 26, 2021

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Commons defeat for cladding bill

Commons defeat leaves flat owners facing huge bills to fix cladding https://t.co/4L1XMeqKO2

— Property Hawk (@landlordnews) February 25, 2021

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Renters face supply crisis: NRLA

Is the stamp duty holiday set to be extended? We have called for the Chancellor to scrap the three per cent stamp duty levy on the purchase of homes to rent. Read more: https://t.co/CjSYv7c8qI #Budget

— NRLA - National Residential Landlords Association (@NRLAssociation) February 24, 2021

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Stamp duty holiday extension?

A stamp duty holiday extension would come after months of pressure from the industry and a 150,000-strong online petition https://t.co/m92n61vzFw

— Homes & Property (@HomesProperty) February 24, 2021

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Welsh: Renting Homes (Amendment) Bill

The Renting Homes (Amendment) Bill passed stage four yesterday, and will now go to Royal Assent. NRLA Wales policy officer Calum Davies explains what landlords need to know, in this blog https://t.co/5VgSH31PzH

— NRLA - National Residential Landlords Association (@NRLAssociation) February 24, 2021

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Paragon predicts BTL surge

Paragon predicts BTL surge and adds pair of remortgage deals - https://t.co/hfhkAwnFn7 Paragon has introduced two remortgage only products into its buy-to-let range as the ... pic.twitter.com/wIDU90okTD

— Mortgage Solutions (@mortgagesols) February 23, 2021

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More renters will lose their homes

‘More renters will lose their homes in the coming months’ without Government action, warn housing charities https://t.co/MbvGuZx3Ek

— Homes & Property (@HomesProperty) February 21, 2021

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The PRS energy efficiency clock

Comment: The PRS energy efficiency clock is ticking - from @Paragon_Mtgs Richard Rowntree https://t.co/vRNMovFf3y

— Mortgage Strategy (@MortgageStrat) February 17, 2021

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Reasons for landlords to be optimistic

Comment: Reasons for landlords to be optimistic in 2021https://t.co/rlRBczwTWw

— Mortgage Strategy (@MortgageStrat) February 18, 2021

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Students wasted £1bn on rents

'I'm paying £3,400 for student housing I can't use' https://t.co/AKwwlGcX4h

— BBC Business (@BBCBusiness) February 18, 2021

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House prices rose by 8.5% last year

UK house prices rose by 8.5% last year amid stamp duty holiday https://t.co/AzjomGA6lI

— Guardian Money (@guardianmoney) February 17, 2021

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Prime city rental data: Savills

How has prime #rental growth performed across the 30 cities in our index and where are the most expensive locations to rent? Savills research takes a look: https://t.co/UtYjTeRuSL pic.twitter.com/UGzpugGd12

— Savills (@Savills) February 18, 2021

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Annual house price growth 8.5%: ONS

UK average house prices increased by 8.5% in the year to December 2020, up from 7.1% in November 2020 https://t.co/2aZjGSRP6L pic.twitter.com/rJ3isKBFVL

— Office for National Statistics (ONS) (@ONS) February 17, 2021

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PRS rents up 1.3% : ONS data

Private rental prices paid by tenants in the UK rose by 1.3% in the 12 months to January 2021.

This is down from 1.4% in December 2020 https://t.co/wOOgthALJJ pic.twitter.com/6AhE8dYOFb

— Office for National Statistics (ONS) (@ONS) February 17, 2021

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First 3D printed home goes own sale

First 3d Printed #home goes for sale in #NewYork https://t.co/6W2Qvnolhz

— Estate Agent Networking (@EAUKNetworking) February 15, 2021

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New hydrogen heated homes

First UK homes with hydrogen boilers and hobs to be built by April https://t.co/x7tCrt78h4

— Guardian Money (@guardianmoney) February 16, 2021

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Return of bumper sized mortgages

A couple with a combined income of £60,000 can now borrow up to £330,000, instead of £240,000 https://t.co/KPvXyeu6Dn

— Telegraph Money (@MoneyTelegraph) February 16, 2021

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Buy-to-let is ageless

The size of the buy-to-let mortgage sector has been pretty stable over the last couple of years at around £36 billion. However, IMLA is forecasting an optimistic £283 billion for the total amount of mortgage lending in 2021 and some industry pundits are predicting growth in the buy-to-let sector, perhaps beyond £40 billion.

There are certainly reasons to support the continued viability of buy-to-let property as an attractive investment strategy, particularly in the current economic environment. With interest rates at near zero and the unpredictability of the stock market, the yields associated with tangible bricks and mortar are a serious contender.

The buy-to-let mortgage sector may also see new interest among larger mainstream lenders looking to widen their propositions with products that provide a good margin, so specialist lenders may experience some additional competition for market share.

All of this bodes well for landlords as lenders are demonstrating an appetite for business, providing an increasing number of products to choose from and widening criteria options to suit most buy-to-let mortgage requirements.

Buy-to-let finance has never been a one size fits all product. Some lenders focus primarily on ‘vanilla’ cases, whilst others such as Paragon Mortgages, Zephyr Homeloans or Foundation Home Loans have a more specialist proposition. What it does mean is that landlords from an ever-widening demographic make up the population of property investors in the UK.

Certainly, age is no barrier to residential property investment. For older landlords, those approaching retirement age or beyond, there is a wide range of lenders and products to choose from catering for most finance needs. There are providers with a maximum age at application of 75, 80, 90 and some with no maximum age requirement at all.

Buy-to-let property may also become more popular among the younger demographic and most buy-to-let lenders have a minimum age of 18 or 21, providing other lending criteria is met. Career expectations for young adults have changed considerably in recent years and the pandemic has inspired many to set up their own business ventures during lockdown.

A recent poll for ISP GoDaddy showed that 1 in 10 people in the 16-24 age bracket had set up their own businesses during the last year, and 1 in 5 have developed concrete plans to start up a new venture. With such entrepreneurial spirit being demonstrated by the younger generation, could buy-to-let property be an attractive option for those aspiring to have a self-employed lifestyle?

Being able to work from anywhere, travel and set your own work schedule is a potential perk of being a landlord, although it does take time and commitment to build up a property portfolio that provides a suitable income to become a professional landlord.

For people looking for an alternative to pensions, buy-to-let property is a worthy consideration for medium to long term investment at any age. Buy-to-let property is also a leveraged investment, with lenders typically offering 75 per cent loan-to-value on their product ranges, which is another good reason for its popularity.

During the last 12 months, with household spending being curtailed by the pandemic, there has been the opportunity for some to save up significant sums of money, which could provide the deposit for a first buy-to-let property or portfolio expansion for those already in the market.

There is certainly plenty of opportunity in the buy-to-let sector for landlords, so there is reason to be optimistic about your prospects this year.

Property Hawk Mortgages is a specialist in the buy-to-let mortgage market. We have a wealth of knowledge and are dedicated to helping UK landlords find the best financial products and services available to them.

Use our free online mortgage search tool at Property Hawk Mortgages

Please let us know how we can support you, we are here to help.

Call us now on 029 2069 5446

Visit www.propertyhawkbtlmortgages.co.uk

450,000 more renters in arrears

450,000 families ‘behind on rent because of Covid’ https://t.co/JSuIZ5khpx

— BBC Business (@BBCBusiness) February 16, 2021

The number of households in rental arrears in Jan jumped by 450,000 vs pre-pandemic levels – a 150% increase, according to @resfoundation.

The jobs crisis has disproportionately hit renters and younger workers, it found 👇@MelissaLawford has more here: https://t.co/kEKQmMnPMc pic.twitter.com/BLGIr3RqyE

— Telegraph Property (@TeleProperty) February 16, 2021

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Fewer landlords buying

Fewer landlords use cash to snap-up properties ahead of stamp duty deadline – Hamptons - https://t.co/peGyC0gfFn Fewer landlords are purchasing buy-to-let inves... pic.twitter.com/HJxEX2LasL

— Mortgage Solutions (@mortgagesols) February 15, 2021

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Online property auction tips

As you effectively exchange contracts when the gavel comes down, & complete within 28 days, auction can be a good option if you are looking to buy a property quickly and without a chain...https://t.co/oj5YSnycI9

— Essential Information Group (@AuctionProperty) February 16, 2021

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Landlord fined £336,000

Landlord ordered to pay £336,000 or face 18 months in jail after failing to comply with enforcement orders dating back to 2013: https://t.co/YYwFOo7AR8 pic.twitter.com/dXpRzpSZS1

— Planning Magazine (@PlanningMag) February 16, 2021

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Can the Govt fix the cladding crisis?

Can the government's proposals fix the residential cladding crisis? https://t.co/cUTKC7smre pic.twitter.com/hHMkoRQTHO

— MoneyWeek (@MoneyWeek) February 13, 2021

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House price boom slows

The UK house price boom of 2020 show signs of slowing in 2021 https://t.co/rMv0B6u6z9 pic.twitter.com/hZoscdkgsi

— MoneyWeek (@MoneyWeek) February 12, 2021

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Hodge relaunches portfolio BTL range

Hodge relaunches portfolio BTL range and adds specialised investment product - https://t.co/dftakc9Zxz Hodge has relaunched its standard portfolio buy-to-le... pic.twitter.com/K9qLyHV0Mp

— Mortgage Solutions (@mortgagesols) February 11, 2021

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Repossessions tumble by 37% in pandemic

Landlord repossessions tumble by 37% in pandemic: Ministry of Justicehttps://t.co/HXcntqeJ2A

— Mortgage Strategy (@MortgageStrat) February 11, 2021

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Property market running hot and cold

Britain's property market is starting to polarise between cold and hot, with demand higher than ever in some places and homes snapped up within days 👇

Read @MariannaHunt5's analysis of the top five counties in England for sellers https://t.co/jtjv7swCSO pic.twitter.com/mSK3mzlgsk

— Telegraph Property (@TeleProperty) February 11, 2021

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No surge in evictions: Govt data

Warnings of a surge of evictions following the partial lifting of the repossessions ban last September have proved to be unfounded according to new gov't data https://t.co/ZYD8ldTutY A financial support package must be developed to support those facing rent arrears due to Covid19

— NRLA - National Residential Landlords Association (@NRLAssociation) February 11, 2021

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What are the options for a joint tenant wanting to move out?

What are the options for a joint tenant wanting to move out? - https://t.co/7agjnqNQJ9 #landlordlaw pic.twitter.com/pm5aetb25c

— Tessa Shepperson (@TessaShepperson) February 10, 2021

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Glasgow landlord loses deposit tribunal

Glasgow students win deposit tribunal case against Glasgow landlord https://t.co/vO62av3o72

— Property Hawk (@landlordnews) February 11, 2021

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The forgotten victims of cladding

The forgotten victims: the leaseholders the government’s cladding proposals do not help https://t.co/Wc6OVnSrHq #ukhousing pic.twitter.com/lB63jgG3gv

— Inside Housing (@insidehousing) February 11, 2021

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£3.5bn more for cladding fund

Housing secretary Robert Jenrick has announced £3.5bn more funding to remove dangerous cladding from high-rise buildings in England, but it will still leave leaseholders paying thousands for other related costs.https://t.co/50wEGKReA5

— Which? Money (@WhichMoney) February 10, 2021

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Govt to pay for cladding on 18m+ blocks

Housing minister #RobertJenrick says remediation will be paid but only for properties that are over 18m or six storeys tall. #cladding #claddingcrisis https://t.co/qKb2wJxJmK

— The Negotiator (@TheNeg) February 10, 2021

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Flashing red for the property market

Signs are flashing red for the property market.

Agreed sales, buyer inquiries, new instructions and three-month transaction expectations all plunged in Jan, according to @RICSnews 👇@MelissaLawford takes a closer look at the numbers here: https://t.co/JXpk4t7cd2 pic.twitter.com/vrdfGyzugQ

— Telegraph Property (@TeleProperty) February 11, 2021

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Weak start to 2021market -RICS

Housing market starts 2021 on weaker ground – RICS - https://t.co/9ZZh3ExfUl The housing market started 2021 on a weaker footing, with falling numbers of new sales, buyers and listings, surveyors ... pic.twitter.com/PbDNhH94jT

— Mortgage Solutions (@mortgagesols) February 11, 2021

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Zoopla: Rental demand up 21%

Zoopla: Rental demand up 21% https://t.co/equVtb7KqI

— Mortgage Introducer (@MortgageChat) February 9, 2021

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Decade-low central London rents

Decade-Low Rents Lure Tenants to Central London https://t.co/6k8faqrHXH via @MansionGlobal

— Tom Bill (@TomBill_KF) February 9, 2021

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Major city rents have fallen

Rents have fallen in major cities across the UK.

London suffered most of all with a fall of 8.3% – the largest since the great financial crisis of 2007 and 2008, according to @Zoopla 👇@MariannaHunt5 has the full story here: https://t.co/Z5XfCsrEqX pic.twitter.com/TumbUmoCd2

— Telegraph Property (@TeleProperty) February 9, 2021

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Will the squeeze on BTL continue?

Will the squeeze on buy-to-let returns continue? https://t.co/tENg9CNrmc

— Investors' Chronicle (@IChronicle) February 9, 2021

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Almost a quarter of Londoners rent

Almost a quarter of London population rent https://t.co/QAShUHUrvP

— Mortgage Introducer (@MortgageChat) February 9, 2021

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Ikea’s recycling scheme

Will Ikea’s recycling scheme really make it greener? https://t.co/8n8lNWbV66

— Guardian Money (@guardianmoney) February 6, 2021

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Tenant demand hits 5 yr high

Tenant demand for properties hits five-year high: Paragonhttps://t.co/7ShZg4GwlD

— Mortgage Strategy (@MortgageStrat) February 3, 2021

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Landlord told staff to kill themselves

Fergus Wilson 'told staff to kill themselves during decade of harassment' https://t.co/y9Fy7MD55D

— Property Hawk (@landlordnews) February 3, 2021

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Further losses for commercial landlords

Commercial landlords brace for further income losses as strain intensifies https://t.co/VpbDwbElOR

— Investors' Chronicle (@IChronicle) February 2, 2021

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UK house prices fall

UK house prices fall as end of stamp duty holiday nears https://t.co/rRTcBBiT8x

— Guardian Money (@guardianmoney) February 2, 2021

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Stamp duty cliff edge for buy-to-let

After a successful e-petition, MPs debated extending the stamp duty holiday on 1st February, so we eagerly await the outcome.

The stamp duty holiday announced in July 2020 for properties up to £500,000 in England provided a welcome boost to the housing market allowing it to make a recovery from the effects of the coronavirus pandemic. The cost saving incentive has certainly had an impact and resulted in increased activity in the purchase market, including buy-to-let properties.

However, the surge in mortgage applications is not without its problems, with some lenders being overwhelmed with new business and delays occurring with conveyancing work as solicitors try to deal with the increased demand on their services.

The deadline of 31st March 2021 when the stamp duty holiday is due to end means that time is running out for anyone looking to take advantage of it. Recent research by Legal and General Mortgage Club found that the average time for a property purchase, from finding a property to completion is taking at least 14 weeks as processing times have doubled due to the high demand.

At Property Hawk Mortgages, we only deal with buy-to-let mortgage applications, but we have heard warnings from the home moving industry that some purchase transactions are taking up to 5 months to complete, which means that the window of opportunity of getting a mortgage for property purchases that avoid paying stamp duty may well be closed.

There has been concern throughout the industry that having a hard deadline for property purchases to complete may cause some transactions to fail at the last hurdle, especially as the current Help to Buy scheme is also due to end on 31st March.

For example, prospective first-time buyers may not have enough savings to cover the 3 per cent stamp duty charge if it was suddenly payable when they are due to exchange contracts on their new home. This could then cause a breakdown in the property chain, causing unintended but drastic knock-on effects in the housing market.

There have been calls by the home moving industry for the stamp duty holiday to be extended by another 6 months and to have a tapered ending to avoid creating a cliff edge scenario for buyers. This would then release the pressure on all parties involved in property purchase transactions and encourage the housing market to continue its recovery beyond the 31stMarch deadline.

After a successful e-petition, MPs debated extending the stamp duty holiday on 1st February, so we eagerly await the outcome.

Whatever happens with the stamp duty deadline, it is important for mortgage lenders and brokers to be supportive of each other during this period of increased demand for finance. It may seem sensible to submit cases to lenders as quickly as possible, but it is just as important to make sure that they are fully packaged, with all the required documentation, in order to ensure the application can be processed without unnecessary delays. Equally it is vital that lenders are transparent about their current turnaround times so that brokers and their clients have realistic expectations for offer and completion dates.

After all, we’re all in this together.

Property Hawk Mortgages is a specialist in the buy-to-let mortgage market. We have a wealth of knowledge and are dedicated to helping UK landlords find the best financial products and services available to them.

Use our free online mortgage search tool at Property Hawk Mortgages

Please let us know how we can support you, we are here to help.

Call us now on 029 2069 5446

Visit www.propertyhawkbtlmortgages.co.uk

Investing in warehouses

My view in the @DailyMailUK @thisismoney here: https://t.co/HCaN7qDA4c on the explosion of interest in warehousing/logistics from property investors in light of COVID and the concurrent rise of online shopping across all retail categories.

— Jonathan De Mello (@DeMelloRetail) January 30, 2021

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