Most popular BTL mortgages

Max LTV	Initial Rate	Term	Completion fee	Booking fee	Incentives	Overall Cost for Comparison	Lender
85%	4.99% Fixed	2 Years	2.5%	£130.00	No	6.8% APR	Kent Reliance Semi Exclusive
85%	5.99% Discount	2 Years	2.5%	£130.00	No	7% APR	Kent Reliance Multi Let & Ltd Co. Semi Exclusive
80%	4.59% Discount	2 Years	2.5%	£130.00	No	6.7% APR	Kent Reliance Semi Exclusive
80%	4.99% Fixed	Feb 28 2015	£1800	£199.00	Free valuation up to £335 for purchases and remortgages and free legals on remortgages only.	6.1% APR	Leeds Exclusive
80%	4.47% Fixed	May 31 2016	2%	£0.00	No		Saffron BS Semi Exclusive
75%	3.25% Discount	2 Years	£995	£250.00	No	4.9% APR	Melton Mowbray BS Exclusive
75%	3.35% Fixed	May 31 2015	£995	£250.00	No	4.9% APR	Melton Mowbray BS Exclusive
75%	4.09% Fixed	May 31 2016	£995	£0.00	Free valuation and free legals for remortgages (properties valued up to £500,000).	5.6% APR	Skipton Semi Exclusive
75%	4.75% Fixed	Jun 30 2015	0%	£150.00	Free valuation	5.4% APR	Mortgage Trust ltd Edition Exclusive
75%	3.99% Variable	2 Years	£1495	£250.00	No	5.1% APR	Melton Mowbray HMO Exclusive
70%	4.25% Discount	2 Years	0%	£199.00	Free valuation up to £335 for purchases and remortgages and free legals on remortgages only.	6% APR	Leeds Exclusive
65%	3.79% Fixed	May 31 2016	£995	£0.00	Free valuation and free legals for remortgages (properties valued up to £500,000).	5.6% APR	Skipton Semi Exclusive

Search the whole BTL mortgage market free

Email: info@propertyhawkbtlmortgages.co.uk 

Tel: 01622 844187

Your home may be repossessed if you do not keep up repayments on your mortgages.  

The Financial Services Authority does not regulate some forms of mortgage.

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House prices on the rise

Temperatures may be Winter like but at least house prices are showing signs of a thaw.  The latest figures released by the Halifax show that despite the continued malaise in the wider economy, house prices jumped by 1.1% in April across the country.

LSL Property Services separate survey show that average prices are up by £6726 over the last 12 months.

All this bodes wells for landlords as credit crunch conditions thaw and the availability of buy-to-let finance continues to improve.

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Rents and inflation

From March this year private rental officer rental information will be used in the calculation of both the Consumer Price Index and the Rental Price Index. To have a look at the latest private rental market statistics for different types of property complied by the Valuation Office Agency follow the link.

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More landlords choosing to fix their costs

Unsurprisingly, as the cost of fixed rate buy-to-let mortgages has fallen more landlords are choosing these products over less predictable variable rates. In Q1 2013, 48% of applications received by Property Hawk Mortgages were for fixed rates, up from 41% in the previous quarter.

Search the whole BTL mortgage market free

Email: info@propertyhawkbtlmortgages.co.uk 

Tel: 01622 844187

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.

BTL sector a third of what it once was

The latest figures from the Council of Mortgage Lenders shows the buy-to-let sector now accounts for  13.4% of all outstanding mortgages. Up from 12.9% a year earlier.

A total of £4.2bn of buy-to-let mortgage lending in the first three months of this year. 

BTL lending is still way down from its peak period back in 2006, where the third quarter saw property investors borrowing a total of £12.7bn. Which makes current borrowing approximately a third of what it once was.

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George Osborne gambles on property

George Osbornes 'Help to Buy Scheme' could well be a sign of the Government's desperation.

The Telegraph reports on some heavy criticism coming in from Economists.

I have to agree. The property market was used by New Labour as a way of levering out some kind of growth in the economy during Blairs reign, and despite their best efforts, it seems politically George has realised that he has no other option, but to do the same.

The unfortunate inevitability that this house of cards is going to fall down at some point, is rather frightening. But for our political leaders whose only true ambition is to get in power every four years, it's something they are prepared to risk.

Long-term views are not something the political elite can afford to hold, but it is something landlords should be focused upon. Be ready for the storm, that will no doubt hit. Whether it be a year, or four, or ten - one thing is certain, it will come, and it will blow the house down.

More info - Savills predictions of the results of Help to Buy

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