BTL mortgage current rates

Max LTV	Initial Rate	Term	Completion fee	Booking fee	Incentives	Overall Cost for Comparison
85%	5.49% Discount	2 Years	2.5%	£130.00	No	6.9% APR
85%	5.79% Discount	2 Years	3%	£130.00	No	7% APR
80%	4.79% Discount	2 Years	£2999	£130.00	No	8.2% APR
80%	6.09% Fixed	2 Years	3%	£130.00	No	7.1% APR
75%	3.85% Discount	2 Years	£2450	£250.00	No	5.4% APR
75%	4.89% Fixed	Aug 31 2014	£995	£0.00	No	5.1% APR
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
70%	3.74% Discount	Jul 31 2014	£899	£0.00	No	5.9% APR
60%	3.25% Discount	2 Years	£1750	£250.00	No	5.3% APR
60%	5.49% Fixed	2 Years	2.5%	£130.00	No	6.9% APR

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Email: info@propertyhawkbtlmortgages.co.uk

Tel: 029 2069 5446

IMPORTANT! Due to current market conditions, lenders are withdrawing and replacing products with little or no notice. Please check our website regularly to see the most up-to-date products available.

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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Buy-to-let doesn't add up?!

I read with interest a recent piece on msn about buy-to-let.  The poor unfortunate landlord claims that after 5 years of being a landlord he was actually out of pocket by £3500.  Was he an inept landlord or is it just impossible to make buy-to-let work these days?  I have sympathy with his travails.  It ain't easy being a first time landlord and it's a steep learning curve.  Inevitably you make mistakes and sometimes these can be costly.  However, the key message that comes out from his experience is that your pay back for being a landlord isn't likely in the short and even medium term.  The reality is that you should work on a at least a 15 year time frame.  If he stuck at it for another 10 years then he would have been able to answer the question more accurately and possibly come up with a different conclusion.  Have a read and see whether you agree.

Mortgage Search - best online rates

Problems with squatters?

Are you a landlord with squatters or have you had a recent problem with squatters in your buy-to-let property?  If so this could be your chance to voice your views on the subject.

A company making a documentary for TV are looking for landlords to give their side of the story.  As landlords should be aware.  The government is bring in a new law relating to squatting this September making it a criminal offence.  Is this law long overdue or just down right draconian?

To air your views on TV send details of your experience to : squattersproject@gmail.com

I look forward to seeing some Property Hawk landlords putting in their 'penneth worth'.

Landlord insurance - 5 star landlord insurance

Sandwell landlord fined

A landlord has been fine £5,723 for not maintaining a rental property in Smethwick.
Sukraj Singh Barham pleaded guilty to failing to comply with an improvement notice served by Sandwell Council after the discovery of dangerous electrics, an inconsistant supply of hot water or heating, damp and mould growth and loose and uneven paving.

The council brought the case following complaints about the  disrepair of the rental property.

Come on landlords we can do better than this.

For free legal advice join our Landlord Legal Forum

Rental sector predicted to grow to 2025

Renting is set to increase according a study from Cambridge University, that predicts that
home ownership will fall to 27% by 2025, compared with 43% in 1993-94 and 35% now.

The prediction is that more families will be forced to remain in rented accommodation because home ownership will be increasingly unaffordable.

The report predicts that more than a third (36%) of British households will be renting by 2025.

Scots propose changes to stamp duty

The Scottish Government are on the march, bag pipes are blaring and the pants are off ( underneath kilts anyway).

Read through their full proposals for the changes to the Scottish Building and Transactions Tax

The Scots are set to take control of their taxation in 2016.

Get expert legal advice on our landlord legal forum