New 5 year fixed rates from Saffron

Saffron Building Society has expanded its buy-to-let mortgage range to include the following new products:

Standard BTL 5 year fixed rate

4.87% fixed until 31/08/2019 up to 80% LTV
- For loans up to £500,000 there is a £995 arrangement fee
- For loans over to £500,000 there is a £1995 arrangement fee

BTL light refurbishment product 5 year fixed rate

5.07% fixed until 31/08/2019 up to 80% LTV
- For loans up to £500,000 there is a £995 arrangement fee
- For loans over to £500,000 there is a £1995 arrangement fee

Search the whole BTL mortgage market free

Email: info@propertyhawkbtlmortgages.co.uk 

Tel: 029 2069 5446

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.

Most popular BTL mortgages

Max LTV	Initial Rate	Term	Completion fee	Booking fee	Incentives	Lender
85%	4.99% Fixed	2 Years	2.5%	£130.00	No	Kent Reliance Semi Exclusive
85%	5.99% Discount	2 Years	2.5%	£130.00	No	Kent Reliance Multi Let & Ltd Co. Semi Exclusive
80%	4.09% Discount	0 Years	£499	£100.00	No	Hanley Economic Exclusive
80%	4.47% Fixed	2016-11-30	2%	£0.00	No	Saffron BS Semi Exclusive
80%	4.87% Fixed	2019-08-31	£995	£0.00	No	Saffron BS Semi Exclusive
75%	2.84% Fixed	2016-04-30	£2495	£130.00	No	Accord Exclusive
75%	2.99% Fixed	2016-04-30	£2495	£130.00	Free valuation	Accord Exclusive
75%	2.84% Tracker	2 Years	2.5%	£0.00	No	Precise Mortgages
75%	3.79% Fixed	2016-03-31	£995	£0.00	No	Precise Mortgages
75%	3.5% Discount	0 Years	0%	£0.00	No	Hanley Economic Exclusive
75%	3.69% Fixed	2019-05-31	2.5%	£250.00	No	Hinckley & Rugby Exclusive
65%	5.27% Fixed	2016-11-30	2.5%	£0.00	No	Saffron BS Ex-Pat Semi Exclusive
60%	2.45% Discount	2 Years	£1950	£250.00	One free Valuation on properties valued up to £1,000,000	Hinckley & Rugby Exclusive

Search the whole BTL mortgage market free

Email: info@propertyhawkbtlmortgages.co.uk 

Tel: 029 2069 5446

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.

Landlords home office expenses

Every landlord has a home office when it comes to claiming expenses for their rental business.  This is because if you manage your business, even if you only have one buy-to-let, you will administer your lettings, organise the maintenance and have to make phone calls and send emails.  This is not withstanding calculating your rental profits at the end of year as part of the dreaded self assessment tax return.

Unless you have your own office associated with your rental business then landlords are entitled to include an expense allowance.  The new guidance for how to calculate your home office expenses are available on the Government website under home office expenses.

Landlords win licensing reprieve

If it were a football match the score would read Landlords 1 The Council 0.

Attempts by Milton Keynes council has floundered in the face of strong opposition from landlords to the imposition of a city-wide licensing scheme.  We have spoken before about landlord licensing through the back door.

Under pressure the council has admitted it is abandoning plans to introduce a city wide scheme.  At the same time they are cutting the cost of the licensing fee on all HMOs by £500, reducing it from £800 to £300.

It looks like if we landlords shout loud enough even the Council is forced to listen.

Landlord insurance - professional rates - online quotes

Property manager improvements

It's time to make things better, so please help us.


We are about to set sail on another re-vamp of the Property Manager, our free property management software - let's call it version 4.

So, if there are things you want adding,  improving, or changing in Property Manager 3.0, let us know now.

We already have a list of user feedback that we will be working through, but we welcome any other bright ideas.

Now's the time to share.

Leave your comments and thoughts below.

Crossrail extension to boost property prices

A property price boost is predicted for the towns along the newly announced extension of the crossrail out to Reading.

Read details of the planned crossrail extension