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2014
-
October
- Vanilla properties losing flavour with landlords
- Treasury sidesteps Bank of England buy to let plans
- Tenant demand driving rental sector expansion
- Tackling the stresses of being a landlord
- Buy to let borrowers could need 40 per cent deposit warns Countrywide
- Student property yields reach 13 per cent in North West
- Savills claim rise in prime buy to let could impact on rental returns
- New CML data reveals August lending drop
- NLA provides landlord immigration check reminder
- House price growth of 30 per cent predicted
- Rents across all regions up year on year
- Rents reach new record levels
- Gross rental yields at five per cent
- South East set for house price boom
- Landlords reveal insights into portfolio growth limitations
- One in five UK properties owned by landlords
- Buy to let has north/south divide claims BM Solutions
- Annual house price growth reaches nine per cent in September
- ONS figures reveal rental growth slowdown
- Prime London three bed rental properties in high demand
- Majority of tenants see renting as long term option
- Landlords benefit from tumbling mortgage charges plus longer fixed rate deals
- Why rates will not go up this side of the election
- Innovation and legislation continue apace in buy to let
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September
- Paragon backs long term tenancy plan
- Buy to let market facing stricter regulation
- ARLA suggest tenant demand outnumbers available properties
- Sheffield tops the pile for buy to let gross yields
- New solution for landlords struggling to get finance
- Regulated buy to let mortgages could scare lenders away
- New 85pc LTV buy to let finance for purchases
- Landlords and letting agents should raise deposit claims AIIC
- Buy to let investors and first time buyers advised to look north
- House prices peaking across more parts of UK
- Record breaking rents boost landlord returns
- Five tenants pursue every rental property claims Countrywide
- Government proposes new buy to let regulations
- June
-
April
- Commercial property offers strong rents and capital growth in Q1
- London commercial property investment reaches new high in Q1
- BoE urged to show more support for business lending
- Capital values continue to rise for commercial mortgage holders
- Strong Bristol office trends could boost business mortgage demand
- The buy to let saga continues
- March
- February
-
November
- Positive outlook for UK buy to let market
- Buy to let loan volumes up 18 per cent
- Landlords set to benefit from faster eviction processes
- Renting could overtake homeownership claims Savills
- Cost of tenancy agreements rise year on year
- Buy to let tops property market activity as valuations dip in October
- Mortgages for Business announces rebrand
- House prices up 12 per cent annually, ONS claims
- One in six shared homes lacks a living room
- Residential rents reach record highs
- Gross rental yields stable in October while tenant arrears decrease
- October rents fall reveals Homelet Index
- Property prices up three to five per cent in 2015 predicts Halifax
- New tenancies increase by 20 per cent annually
- Generation Rent report showcases investment opportunities
- Buy to let lending gets interesting as end of year approaches
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December
- Warning for part-time landlords as numbers swell
- Buy to let yields higher in the north
- Mortgage brokers reveal increasing confidence
- New property tax rules to boost UK’s buy to let market
- Buy to let market is “healthy” according to Mortgage Market Review
- Over half of landlords expect to expand portfolios next year
- Stamp duty overhaul could offer buy to let investors £50 million saving
- Buy to let lending peaks to highest level since credit crunch
- Market for desirable London properties widens as renters put location before size
- October saw value and number of buy to let loans increase
- Strong growth in rental market across most of the UK
- Landlords favour intermediaries when sourcing buy to let
- Confidence in buy to let will mean high investment for 2015
- 10 per cent more rental properties are available on the UK market
- Rent prices in England and Wales drop for first time in eight months
- Property prices shift to more sustainable growth
- Investors from London buying northern properties
- Minor rental price increases predicted for 2015
- 40 per cent of landlords will increase rents in 2015
- New Year will witness increases in house and rent prices
- Pension changes boost buy to let market
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October
-
2015
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January
- Property prices in UK likely to increase in 2015
- Buy to let investors pushed to concentrate on UK
- Property market set to experience sustainable growth in 2015
- Extent of buy to let investment highlighted by £21.9 billion repayments
- Landlords flirt with short term mortgage deals
- Landlord arrears fall to their lowest level since 2008 as financial situation improves
- Profits for buy to let landlords totals £177 billion
- Prime properties in central London enjoy renewed rent rise
- The pros and cons of taking a 10 year fixed rate buy to let mortgage
- Property prices are rising in UK’s “forgotten” areas
- Private rented sector housing exceeds £1 trillion
- Latest data shows buy to let market grew in November
- Three per cent rent increase recorded in England and Wales over 2014
- Tenant arrears dropped over the last year
- Yields on larger rental blocks reach new high
- Leicester is UK rental hotspot, claims HomeLet
- Landlord confidence in buy to let has soared, says new report
- Latest report suggests house prices are steadying as regional differences contract
- Government confirms Mortgage Credit Directive legislation
- Landlords could achieve 2.5 per cent higher rents in the Capital this year
- London’s rental market will outperform property sales in 2015
- Rental voids match 2012 low
- House price inflation continues to slow
- Keystone Buy to Let Mortgages improves lending criteria
- Government clarifies new rules on mortgage lending in line with EU Mortgage Credit Directive
- Keep buy to let lending off the political agenda
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February
- Private rented sector experienced activity boost towards end of 2014
- Buy to Let Mortgage Surge Favours Cautious Landlords
- UK Government gives Bank of England new mortgage powers
- Stamp Duty Land Tax on Development Land Purchases
- 2015 is off to a flying start for British landlords
- Environmental ruling could limit what properties landlords can rent out
- UK property market will remain strong regardless of election outcome
- UK house prices experience biggest start of year increase since 2009
- Number of buy to let investors grew by eight per cent in 2014
- Better competition for landlords as buy to let rates are at their lowest ever
- Buy to let sector outstrips rest of property market in the UK
- UK rents up two per cent as tenant demand continues to outstrip supply
- Landlords benefit from rising property prices
- Buy to let market anticipates boom in April
- Keystone Buy to Let Mortgages reduces 5yr rates
- Whither interest rates?
- Buy to let lending increases 18 per cent in one year
- Student accommodation provides lucrative opportunity to British landlords
- Landlord opportunities grow as number of new build properties increases
- House price growth extends to UK’s North
- UK rental prices up in first month of 2015
- Average rents up 16 per cent in five years
- Number of privately rented houses in England doubles in last decade
- Two fifths of British landlords own more than one property
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March
- Buy to let landlords increase their equity as house prices grow
- Landlords fill properties with long-term renters as home ownership levels hit new low
- Rental demand continues to outstrip supply
- Prime London rental values grow for twelfth consecutive month
- The Mortgage Works reduces buy to let early repayment charges
- NLA supports government changes to landlord licensing
- Bank of England record strong end of year results for buy to let
- Landlords reap strong returns from outer London properties
- Cutting interest rates would be “extremely foolish”: Carney issues stark warning
- Property prices grow 0.5 per cent in England and Wales
- UK countryside matches growth in city property prices
- Property market prepares for influx of 'silver landlords'
- Buy to let sector reports only lending increase for past year
- Tax-saving opportunity for landlords ends on 6 April 2015
- Residential rents up 1.7 per cent on year but down 0.8 per cent month on month
- English and Welsh rents rise at fastest rate since May 2013
- Buy to let landlords enjoy strong yields and big returns
- Mortgages for Business crowned best buy to let broker for 4th year running
- CML predicts mortgage lending will increase over coming months
- PDR affecting development finance borrowing
- ARLA reports rise in prospective tenants and rents for landlords
- Landlords bolstered as tenants struggle to buy homes
- Void periods at lowest for 13 years
- Homelet index reveals widespread UK rental variations
- Landlords could benefit from slackening house price growth
- New buy to let lenders welcome
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April
- Better tracking of buy to let returns needed from landlords
- Report showcases diversity of rental sector
- Mortgages for Business launches exclusive BTL pilot for Axis Bank
- High tenant demand and strong rent continue into Q2
- Buy to let market prepares for greater regulation and monitoring
- Importance of inventories highlighted as landlords struggle with rules
- Buy to let landlords earn 1,400 per cent returns on investment
- March property valuations at eight year high for buy to let
- Landlords remortgage at twice rate of new purchases
- Gross buy to let lending up 11 per cent annually
- Competitive lending options for full-time landlords with larger portfolios
- Risk factor puts homeowners off peer-to-peer lending
- More than half of over 40s consider buy to let in retirement
- Buy to let investors must register deposits within two months
- Property investors enjoy increased rents for newly-let properties
- Buy to let mortgage prices begin to even out
- London landlords enjoy 27.4pc higher rents than five years ago
- Index reveals strong growth in rents and returns for buy to let
- Commercial property investment hit record high in Q1
- Landlord confidence soars as buy to let mortgage repayments reduce
- House building pledges in the Conservative Party manifesto
- Important costs for buy to let landlords to consider
- Your landlords’ tax affairs are STILL your affair
-
May
- Fixed rate buy to let mortgages are best bet for landlords
- Buy to let mortgage deposits could prove hurdle for silver landlords
- House building pledges in the LibDem Party manifesto
- Commuter regions offer strong potential for buy to let
- House building pledges in the Labour Party manifesto
- House building pledges in the Green Party manifesto
- House building pledges in the UKIP Party manifesto
- April sees buy to let mortgage market consolidated
- Long-term renting could be reality for Brits as home purchases require double the average salary
- Landlords vulnerable to potential buy to let mortgage rate rises
- Buy to let landlords are attracted to semi detached homes
- LendInvest outlines plans to enter buy to let market
- Rental value of new tenancies up 10 per cent on last year
- Low entry costs drive buy to let activity in the North
- Fleet Mortgages increases end term max age to 85
- Paragon Mortgages reveals strong 2015 growth
- CML confirms more buy to let mortgages advanced in March
- Buy to let mortgage arrears down in Q1
- House building completions up 11pc
- Rent arrears cause landlords the most stress
- Mortgage products up 19 per cent in UK
- Two-thirds of landlords now planning to buy new BTL properties
- London property market suffers from low housing supply
- Private rented sector value to top £1 trillion
- Axis Bank completes first 2 BTL deals with Mortgages for Business
- London returns are high but buy to let future is heading north
- HSBC lists UK's buy to let hotspots
- FCA issues another buy to let gaming warning
- 49 per cent of students think renting is good value
- Buy to let returns could drop by 60 per cent, experts warn
- Aldermore slashes two year buy to let deals
- Business as usual?
-
June
- Precise Mortgages boosts max buy to let loan size
- Attention shifts to buy to let markets
- London plans 1,000 new rental properties
- Four in five tenants satisfied with current landlords
- Buy to let boom leads to fewer houses on sale
- House purchase lending experienced 16 per cent monthly growth in March
- Are HMOs the answer to mortgage woes?
- Private sector rents hit new high
- Should landlords sacrifice buy to let tax breaks?
- UK rents are on the rise, but so are tenant incomes
- First time landlords benefit from more buy to let deals
- Number of elderly landlords on the increase
- Scotland offers some of the best buy to let returns
- Is buy to let being used to avoid financial regulations?
- New Foundation product includes pay rate in rental calculation
- Keystone’s buy to let contract with Aldermore ends
- Keystone launches New Classic Range with Landbay
- Yields slide as loan to value ratio cools
- Is 18% too much?
-
July
- How the restriction of relief on BTL mortgage interest will affect landlords
- Summer Budget 2015 and the implications for landlords
- Summer Budget - Should buy to let mortgage holders panic
- FAQs on buy to let mortgages for limited companies
- How Private Rental Property Licences affect landlords applying for a buy to let mortgage
- Buy to let - from personal to limited company ownership
- First 3 cases offered with Keystone’s New Classic Range
- Over 100 different mortgage products for limited companies to greet Budget BTL tax clampdown
- Is George limiting buy to let?
- Councils to deliver local plan by 2017
- August 2015
-
September 2015
- Keystone launches Short Term Finance Range
- 78% of home owners on variable rate mortgages fail to budget for rate rise
- Rapid growth of buy to let lending puts sector in spotlight
- Aldermore improves let to buy lending criteria
- Bank of England maintains Bank Rate at 0.5%
- NatWest targets professional landlords with new buy to let offering
- Construction industry experiences sudden decline in output
- Front Events brings popular Financial Services Expo to Cardiff
- Keystone launches range of commercial owner-occupier mortgages
- New housing development plans face opposition from local councils
- Aldermore expands bridging offering
- Expert urges landlords to seek regular advice from mortgage brokers
- Heavyweight lender, Jerrold Holdings Group, announces new brand identity
- Council of Mortgage Lenders urges government to consider impact of proposals on buy to let sector
- Rental market grew steadily in Q3
- Expert believes current housing market mirrors that of 1998
- Buy to let sales up by 54%
- House prices rise by 4.2% year on year
- Remortgage approvals jump 29% in a year
- Aldermore lowers buy to let and residential mortgages rates
- Landlords’ mortgage options jump to new record even as yields stall
- Important compliance deadlines for landlords
- Vince Cable comes out in support of Chancellor’s crackdown on Buy to Let market
- Still recommending 5-year fixed rate buy to let mortgages
-
October 2015
- Shawbrook introduces new regulated bridging mortgage products
- Council of Mortgage Lenders reports drop of 16% in interest-only loans
- Developers look to align themselves with lenders ahead of MCD
- September house sales strongest since 2007
- Bank of England votes to leave interest rates unchanged at 0.5%
- Precise Mortgages loosens lending criteria, while peer to peer lender Landbay joins CML
- Clampdown on councils failing to build new homes as Government introduces new housing bill
- Bridging finance up by 33% in Q3
- Paragon launches enhanced product for professional landlords
- Tipton BS unveils new buy to let offering
- Temporary permitted development rights allowing the conversion of office buildings into dwellings to be made permanent
- HMRC organises Twitter Q&A for landlords
- HMRCs Twitter event fails to rouse landlords
- Report predicts growth of private rented sector, despite government imposing greater restrictions on buy to let sector
- TfL land to be used to develop 10,000 homes in London
- New index tracks Ltd Co buy to let mortgage sector
- Osborne to grant FPC powers to intervene in buy to let market
- September figures show mortgage approvals up by 24%
- InterBay introduces new fixed rate buy to let range
- Boost to development offering as Dragonfly cuts rates
- Equity release experiences biggest quarterly rise since 2004
- Fee free BTL products increase
- Mortgage Trust updates buy to let range
- October sees house prices rise by 0.6%
- Advisers urge lenders to provide ‘more interest-only equity release solutions’
- What happens when the leaseholder owns the freehold?
- Leaseholder and freeholder – what’s the problem?
-
November 2015
- Accord cuts rates on 75% LTV products
- Contrary to rate rise speculation, mortgage rates drop to record low
- Bank Rate unchanged as Bank of England maintains record low of 0.5pc
- New year will see rebrand for Dragonfly Property Finance
- Buy to let mortgage rates fell in October (1)
- Past decade has seen one million owner-occupied homes switch to lettings
- Stricter buy to let stress test to be introduced by BM Solutions on loans above 65% LTV
- Setting up an SPV Limited Company
- Foundation Home Loans unveils new semi-exclusive buy to let range
- Fleet Mortgages sets its sights on the commercial market
- Policy changes to affordable housing and buy to let impact land market
- Little change in development land prices but sentiment remains positive
- Half of UK landlords looking to sell motivated by changes in tax relief
- Foundation Home Loans moves into limited company buy to let mortgages
- Ask Paul: How quickly can I get a buy to let mortgage?
- New buy to let rates launched by Coventry and Metro Bank
- Virgin Money and Precise unveil exclusive buy to let mortgages
- Council of Mortgages Lenders predicts first rate hike to be postponed until 2017
- Hidden fees a thing of the past, as lenders agree to simplify jargon
- Investing in buy to let: Trading Ltd Co’s versus SPV Ltd Co’s
- Buy to let lending booms at Paragon
- Very popular buy to let mortgage about to be withdrawn
- NatWest raises loan to income cap on loans under 85% LTV
- February will be too late
- Three percentage point rise in stamp duty for buy to let and second homes
- New stamp duty calculator compares rates pre and post 1 April 2016
- October sees a decline in first-time buyer activity
- Competition heats up with fee free BTL mortgages
- Bank Rate needs to reach 3pc to adversely impact market say mortgage brokers
- Cut to tax relief results in Barclays upping rental cover ratio
-
December 2015
- Capital Gains Tax and tax schemes - will they work?
- Bank of England cites buy to let boom as a risk to financial stability
- Over half of new-build homes too small for modern family life
- Diary of a buy to let purchase Part 1 It was that or a Range Rover
- October’s figures show a 3.5% rise in average deposits
- Diary of a Buy to Let Purchase Part 2 – I've made £800 already and I haven't got the mortgage yet
- Average buyer £4,500 better off under new stamp duty structure
- Ask Paul: Why does pricing differ between limited company and personal rates?
- Transferring your BTL property from personal to Ltd Co ownership
- Borrowing through a newly set up limited company
- Diary of a Buy to Let Purchase Part 3 – The demise of Nathaniel Pig
- Mortgage lending rose by 11pc in Q3
- Despite dip in monthly growth, house prices reach record high
- Overall purchase approvals rise while lending to small-deposit borrowers remains static
- Lower returns predicted for commercial property in 2015
- Diary of a Buy to Let Purchase Part 4 – Call off the dogs…
- Diary of a Buy to Let Purchase Part 5 – effing bank account
- Mortgages for Business & Keystone Buy to Let Mortgages shortlisted for raft of awards
- Four ways to raise capital to purchase a business or investment property
- Paragon launches new range to appeal to professional landlords
- Buy to let lending policy on freehold and leasehold ownership
- Foundation Homes Loans revises offering to benefit limited company landlords
- Diary of a Buy to Let Purchase Part 6 - Business bank account interview or Center Parcs?
- CML warns policymakers of potential risks to private rented sector
- CML forecasts healthy housing and mortgage market for 2016
- Diary of a Buy to Let Purchase Part 7 - Reality bites…
- RICS predicts house prices will climb 6% in 2016
- 40pc of letting agents predict fall in rental supply
- The good and the bad of buy to let mortgage lending in 2015
- How brokers can help their BTL clients
- Why you can’t transfer personally owned rental property to an SPV
- Diary of a Buy to Let Purchase Part 8 - The Method Behind the Madness
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January
-
2016
-
February 2016
- Keystone streamlines Classic Range and reduces rates
- Stamp Duty Land Tax surcharge may cause more problems than it solves says CML
- Landlords take government to court over ‘Alice in Wonderland’ tax grab
- Intermediary only lenders Accord and Saffron bring new products to the market
- Ltd Co BTL transactions rose again in January
- Office move on the horizon for Mortgages for Business
- Government policies will not halt increasing demand for rental homes
- Increase in let to buy mortgages as MCD deadline looms large
- Santander introduces new two tiered buy to let affordability tests
- Rental property which avoids the 3% stamp duty surcharge
- What is a consumer buy to let mortgage?
- Kent Reliance revises buy to let lending criteria
- 21-month high for residential mortgage fees while buy to let fees remain steady
- Property development land prices in urban areas increase
- Bridging loans rise by 14pc in 2015
- Councils criticised for delaying property searches and poor service
- Diary of a Buy to Let Purchase Part 11 – Throwing toys out of prams
- HMOs – what are they and how to finance them
- Buy to Let mortgage lending reaches highest level since 2007
- Residential mortgage lending up year-on-year by 9pc in fourth quarter
- London’s property hotspots slide further out as Crossrail promises faster commute
- Private rented sector has doubled in size since 2002
- Fall in homeownership finally stalls after a decade of decline
- Remortgaging your buy to let - hands up if you want a freebie
- Will your buy to let purchase complete before 1st April 2016
- How to save costs when transferring personally owned buy to let property into an SPV
- Diary of a Buy to Let Purchase Part 12 – Stuck with the Mini… for now
- Year on year figures point to buoyant remortgage market
- Bank of England could cut interest rates to zero
- Completing BTL purchases before 1st April 2016
- Applying for property development finance
- Gross mortgage borrowing up 38% on last year
- Buy to let mortgage lenders spring clean rates and criteria
- NHBC new home registrations up 7pc year-on-year
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January
- Government to commission smaller property developers
- Keystone Classic Range sets application deadline for purchases
- Landlords raise £50k via crowdfunding campaign to fight Government’s buy to let tax changes
- Keystone to accept first time landlords and trading businesses
- Ltd Co BTL transactions rose sharply in Q4 2015
- LGA: housing developers should be fined when works stall
- Changes in tax regime prompt lenders to revise buy to let offerings
- BTL purchases could outstrip remortgages in Q1 2016
- Diary of a Buy to Let Purchase Part 9 – Join me in a buy to let fist pump
- Stricter buy to let stress tests, as lenders prepare for changes ahead
- Stamp Duty Land Tax - the low down so far for landlords and property investors
- Strong upward trend in rental market across the UK
- Commercial rental values in 2015 grew at steepest rate since recession
- Bank of England base rate to remain at 0.5pc
- Smaller property developers struggling to access finance
- Landlords doing nothing is not an option
- Self-cert mortgages available as new lender opens its doors
- Buy To Let app now available to Android users
- Carney waylays expectations of imminent rate rise
- Annual gross mortgage lending at highest since 2008
- Metro Bank refreshes product range increasing interest only flexibility
- January sees UK lenders launch raft of new and revised products
- Diary of a Buy to Let Purchase Part 10 - The silence is deafening
- A positive perspective post April
- The homebuyer’s guide to getting a mortgage
- Support for buy to let borrowers as banks revise policy criteria
- How do Ltd Co BTL applications differ from individual applications?
- Rents for prime Central London retail space soar in Q4 2015
- Premium for Ltd Co BTL products is very modest
- Limited company buy to let could become the norm
- UTB launches new development products for SME builders and developers
-
March 2016
- One of the lowest buy to let mortgage rates available
- New buy to let mortgages on offer from Accord and Santander
- Basel proposal dismissed as ‘nonsense’ by buy to let experts
- Diary of a Buy to Let Purchase Part 13– Time is running out
- Support for self-employed as Kent Reliance revise mortgage criteria
- UK lenders lead the way in implementing new EU directive
- Mortgage Credit Directive to make distinction between professional and ‘accidental’ landlords
- BTL mortgages for first-time buyers and first-time landlords
- Fleet Mortgages cuts rates across buy to let range
- Stamp duty hike leads to buy to let stampede
- January sees substantial increase in remortgage lending says CML
- Warn clients and agents if stamp duty deadline cannot be met, Law Society tells members
- BM Solutions aligns buy to let criteria with market response
- Diary of a Buy to Let Purchase Part 14– The end of my sad little tale…
- Basel reforms would have unintended and negative consequences, says CML
- Office to residential permitted development rights to be made permanent
- What the Spring Budget 2016 means for landlord and investors
- Limited companies will not be exempt from Stamp Duty surcharge
- Gross mortgage lending up 30 per cent year on year
- Mortgages for Business crowned best buy to let broker for 5th year in a row
- Raft of lenders announce product revisions and sales
- Allow impact of new buy to let taxes to be absorbed before further intervention, says CML
- HMOs tipped to be the favourite with investors in 2016
- BM Solutions and The Mortgage Works refresh product offerings
- Gross remortgage lending up 26 per cent year on year
- Buy to let, buy to let and breathe…
- Diary of a Buy to Let Purchase Part 15 - Just call me Peggy
- February sees mortgage rates hit record lows
- Introduction of the Mortgage Credit Directive
-
April 2016
- Aldermore, Paragon and Virgin Money update product offerings
- Skipton and Leeds revise products in response to broker feedback
- Shawbrook reviews approach to larger commercial mortgages
- Name refresh for Keystone
- Virgin Money confirms new LTI cap on larger loans
- Annual house prices up 10 per cent
- Halifax, Kensington and Fleet compete with new mortgage deals
- Investors look past London and South East for new opportunities
- Returns on HMOs increase in Q1 2016
- Home-owner house purchase lending at highest level since 2007
- Granny flat surcharge revised after Government U-turn
- More clarity required from PRA on BTL underwriting proposals
- Buy to Let mortgage deals become ever more competitive
- TSB ups the ante - reduces rates and introduces new products
- Attention all landlords with a buy to let mortgage from BM Solutions
- UTB offers new property improvement finance solution
- Office warming party great success for Kent mortgage broker
- Competitive new deals target borrowers with 35% deposit
- Despite Government commitments, UK construction market slows
- SDLT surcharge leads to a 70 per cent hike in transactions says HMRC
- Gross mortgage lending hit £25.7 billion in March
- Buy to let mortgage of the week - keep your options open with no ERCs
- Lenders reflect market by offering greater flexibility to homeowners
- Bumper month for mortgages as March sees eight-year lending high
- Buy to let hasn’t fallen off a cliff
- Mortgage lenders raise concerns about proposed Basel reforms
- TMW ups income cover ratio ahead of tax relief changes
-
May 2016
- Why The Mortgage Works was right to increase its income cover ratio
- Mortgages for holiday lets
- Four in ten landlords see increase in tenant demand
- How mortgage lenders calculate net profit and how it affects borrowing
- Buy to let and residential clients enjoy incentives from key lenders
- Aldermore discounts commercial mortgage rates
- Lenders make further revisions to buy to let and residential offerings
- Youngest and oldest benefit from changes to residential mortgages
- CML publishes new analysis of the stamp duty effect
- Keystone to introduce split stress tests
- Kent Reliance updates core mortgage range
- Changes to UK property rule announced in bid to eradicate corruption
- CML data shows fall in repossessions and arrears
- FHL to increase buy to let stress test for individuals
- Keystone introduces auction and commercial finance
- House purchase lending to home-owners leaps by 60% year-on-year
- Lenders cut current rates and introduce new fixed rate deals
- What is top-slicing in buy to let world?
- First-time buyers, movers and remortgagors to drive lending over coming months
- Lending to age 85
- Barclays to increase rental coverage ratio from 135 to 145 per cent
- Limited company borrowing the way forward for buy to let landlords
- Understanding debentures when lending to limited companies
- Annual bridging lending jumps 56% in Q1
- Newcastle ups rental coverage ratio to 145 per cent
- What is a stress test and why do buy to let lenders use them?
- Homeowners could be offered seven-day mortgage switch
- Despite April fall, gross mortgage borrowing up 12pc on 2015
- Split stress tests are the way forward
- New products and revised criteria benefit buy to let and resi markets
- Virgin Money and Leeds BS bring new products to the market
-
June 2016
- Sizeable shift towards complex property types
- Annual house prices rise by 4.7%
- Variety of lenders cut rates and improve product criteria
- Industry continues to minimise interest-only risk, says CML
- New, reduced rates available for high LTV mortgages
- Top 3 reasons borrowers unwittingly cause delays to their BTL mortgage application
- Brexit could lead to soaring mortgage pricing claims Osborne
- Buy to let, resi and commercial borrowers to benefit from new deals
- West Brom loses legal battle over ‘unfair’ rate rise
- Residential mortgages for self-employed
- Skipton Building Society & Axis Bank launch new products
- Limited company lending reaches record highs
- One way to protect against rate rises if we Brexit
- Limited edition buy to let deals and further cut rates announced
- Why you might opt for a 10 year offset mortgage
- Home-owner house purchase lending down 40% in April
- Buy to let lending overtakes that of first-time buyers
- Lenders cut rates and review mortgage criteria
- A cheaper alternative to bridging finance
- Possible Brexit spurs on remortgaging
- Which type of bridging finance will work for you?
- Precise improves bridging valuation process
- Vote with your head not your heart
- UK property sales still slow to pick up following stamp duty surge
- Residential mortgage market revitalised by record low rates and new product ranges
- David Cameron resigns following UK vote to leave the EU
- TMW reduces rates while Fleet and Coventry withdraw products
- Gross mortgage lending was up 14% year-on-year in May
- Implications of Brexit on buy to let mortgage rates
- Why you should consider 5 year fixed rates
- Leading lenders revise buy to let, residential and off set mortgage deals
- How Brexit could affect Britain’s housing crisis
-
July 2016
- Post-Brexit rate cut likely as economy shows signs of strain
- Osborne announces new plan to slash corporation tax
- Keystone Classic reduces 5 year fixed rates
- Growth of Ltd Co BTL marks step change in landlord behaviour
- Bank of England sets out measures to ease Brexit-triggered crisis
- Top 10 Best Buy to Let Remortgage Rates
- Top 10 Best Buy to Let Mortgages for Limited Companies
- Shawbrook simplifies operation, merging commercial and secured divisions
- Think you can’t get a mortgage because of your credit rating?
- Raft of lenders up-date mortgage offerings, cutting rates and launching new deals
- Government launches enquiry into homebuilding industry
- Strong second quarter for HMOs and multi-units
- How understanding SWAP rates could save you money
- New FCA consultation reviews loophole in consumer buy to let
- First-time buyers borrow more than home-movers in May
- Commercial rents and capital value continue to grow in June
- How to get an interest only mortgage
- Getting a mortgage when you are getting divorced
- Contrary to expectation, Bank of England holds interest rates
- Fleet, Coventry and TSB up-date their buy to let mortgage offerings
- A buy to let mortgage with no maximum age limit...
- Bank of Ireland and Skipton to face legal action
- IMF slashes growth forecast for UK following Brexit vote
- MFB double award winners yet again
- Gross mortgage lending continues to rise
- No decrease in activity since Brexit vote, says Bank of England
- BTL mortgages arrears to fall below 7,000 by the end of 2016
- Permitted development rights to be extended in Scotland
- UK's love affair with homeownership continues despite Brexit
- Why are buy to let mortgage stress tests getting tougher?
- Stress tests: Why you can borrow more via a Ltd Co
- Borrowing: six months ago versus today
- Lock into a rate with a low RTI now and complete in 2017
- New investigation to address the UK’s chronic shortage of housing
- BM Solutions & NatWest revise rates and launch new deals
- Landlords liable to pay new ‘green tax’ of up to £5,000 per property
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August 2016
- Struggle to own a home no longer a “London-centric issue”
- Bridging loan with no monthly interest payments or ERCs
- Challenger and specialist lenders show strongest growth in 2015
- UK interest rates cut to record low of 0.25pc
- Bridging lending falls 27% in Q2
- What does the drop in Bank Base Rate mean for you and your mortgage payments?
- Right to buy comes to an end in Scotland and new measures under review to address UK’s housing shortage
- Are mortgage rates coming down?
- New raft of lenders announce rate cuts
- Why not all variable mortgage rates will reduce
- Lending to first-time buyers increases by 25pc in June
- New figures indicate a fall in mortgage arrears and possessions
- The importance of reviewing your buy to let property portfolio
- A 5 year fixed rate with a difference
- Aldermore announces plan to stop bridging
- Buy to let and residential lenders refresh mortgage offerings
- Price reductions and product introductions from several residential lenders
- Gross mortgage lending remains steady in July
- Mortgage lenders revise residential and buy to let offerings
- Number of newly built homes rises by 6pc
- More lenders cut fixed rates and up-date product criteria
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September 2016
- Changes to Finance Bill will not impact tax profile of property investors
- Pay more interest now, save more tax later…
- Lenders announce lowest ever fixed rate mortgage deals
- House price and rental growth slow in August
- Accord, Skipton and Together are the latest to cut buy to let rates
- New rate cuts for Help to Buy, buy to let and resi mortgages
- Growing use of Airbnb may aggravate the country’s housing crisis
- Wales to replace Stamp Duty with Land Transaction Tax
- Keystone Classic Range reduces rates
- Why brokers at Mortgages for Business love Keystone
- Why we would choose Foundation Home Loans
- Are there fewer buy to let lenders up north?
- New fixed rates and 30 min remortgage service now on offer
- Home purchase lending falls in July
- Development finance lending hits 1.8bn
- House prices bounce back following Brexit downturn
- Platform to increase buy to let stress test requirements
- Options to get a lower buy to let stress test are disappearing fast
- To avoid application delays buy to let lenders require new SA302s from 5 October
- Gross mortgage lending up 15pc in August
- New range of buy to let ex-pat mortgages hits the market
- Commuting could save London workers nearly 60pc in house prices
- House purchase approvals fall 21pc in August
- Keystone refreshes website
- Number of homes on the market nears record low
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October 2016
- Hammond to prioritise house-building over deficit reduction
- How the new buy to let underwriting standards will affect lenders and borrowers
- UK facing a shortage of 1.8 million rental homes
- Wide range of lenders cut mortgage rates this autumn
- Ltd Co purchase applications now at 63%
- Buy to let mortgage sales rise by nearly 50pc but predicted to slow
- Average age of a UK first time buyer now 30 years old
- TMW will maintain 125% rental cover ratio for existing borrowers
- Longer-term fixed mortgage rates may be set to rise
- Raising capital from low-yielding properties
- Fixed rate mortgages could be on the rise
- LTVs average 67pc across all property types over last 5 years
- House purchase activity bounces back from dip in July
- Homebuyer demand edges up for first time in seven months
- Raft of lenders make cuts to their fixed rate mortgage ranges
- Mortgage demand ‘fell significantly’ in Q3 says Bank of England
- ONS reveals house prices rise 8.4pc in year to August
- Helping your children get onto the property ladder
- Mortgages and borrowing amounts for contractors
- Landbay launches new mortgage range for professional landlords
- New rules will push 440,000 landlords into higher tax bracket
- Home ownership is still overwhelmingly the nation’s preferred tenure
- Government intent on applying HMO licensing reforms, says NLA
- Changes to HMO licensing imminent
- Four or more rental properties? How the changes to underwriting standards will affect you…
- Lower rates achieved by 85pc of remortgagors in September
- Mortgage lending falls in September but purchase approvals rise
- Lenders reduce rates, remove fees and double portfolio limits
- ONS reports 2.3pc rise in rents in the year to September
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November 2016
- Carney to stay at the Bank of England until 2019
- 5 buy to let mortgages with generous rent to interest calculations
- Fleet, Nationwide and Virgin overhaul mortgage offerings
- House builders confident despite challenges ahead
- Keystone reduces rates and enhances criteria
- Bank of England holds interest rates and raises 2017 growth forecast
- Buy as you go could be offered to housing association tenants
- Keystone appoints Paul Rockett to business development team
- Virgin and TSB launch new fixed rate and remortgage deals
- Acceptable deposits for limited company buy to let borrowers
- Santander revises its buy to let affordability assessment
- Shortage of available housing continues to push prices up
- Housing costs to be included in UK inflation figures
- Government dedicates £18m fund to turbo-charge house building
- Limited companies and buy to let mortgages - what's all the fuss about?
- UK inflation slips to 0.9% in October
- More lenders change their rental cover requirements
- Limited company lending on buy to let in Scotland
- Homebuyers benefit from historically low mortgage costs in September
- Rob Lankey appointed Interim CEO of the NACFB
- Gross mortgage lending reached £20.6 billion in October
- Bank of England to have more power over buy to let lending
- Metro Bank gives residential customers the green light for Airbnb
- Landbay launches new landlord products, while Newcastle enhances buy to let service
- Redfern Review calls for a long term, cross-party approach to the housing crisis
- How one client remortgaged his entire property portfolio to save over £10k a year
- Lenders cut rates, revise criteria and bring new mortgage deals to the market
- Autumn Statement confirms launch of £2.3bn Housing Infrastructure Fund
- Mortgage borrowing fell 4% year-on-year in October
- Despite 4pc dip in Q3, bridging loans up significantly on last year
- Appetite for commercial mortgage finance grows significantly
- Financial Policy Committee continues to monitor buy to let sector
- Accord, Barclays, Nationwide and Shawbrook bring new deals to the market
- Annual house price growth slows in November
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December 2016
- Virgin Money up-dates buy to let criteria, raising ICR
- Mortgages and AirBnB (1)
- The Mortgage Works ups buy to let stress test to 5.5%
- Variety of lenders implement revisions and launch new product ranges
- House prices accelerate for first time in eight months
- Coventry launches new fixed rate mortgages and Paragon ups ICR
- Mortgages for Business & Keystone Property Finance shortlisted for raft of top industry awards
- Remortgaging your home to raise buy to let deposit
- Why personal BTL borrowers can borrow more BEFORE 1st January
- Home-owner mortgages for portfolio landlords
- Home-owner and buy to let remortgage lending at strongest levels since 2009
- Lenders update commercial, buy to let and residential mortgage offerings
- Bank of England keeps interest rates at 0.25 per cent, but inflation set to rise
- Council of Mortgage Lenders to expand data collection to buy to let
- How applying for a buy to let mortgage will differ from 1st January 2017
- OneSavings Bank and Axis Bank latest lenders to revise affordability tests
- November property transactions down 7.3 per cent
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February 2016
-
2017
-
February
- Lenders take solutions approach to lending, expanding and simplifying mortgage ranges
- How to make savings on Stamp Duty
- Mortgage affordability has improved by 18 percentage points since 2007
- New housing strategy to focus on rental market
- Phasing in the new tax system for landlords
- Developer tax incentives could stimulate house building, says lender
- Housing White Paper highlights need to improve safeguards in private rented sector
- 2 & 3 year BTL fixed rates at all time low
- Housing White Paper promises to open market up to SME builders
- Mortgage possessions down by almost 25 per cent, helped by low mortgage rates, says CML
- Vida Homeloans and BM Solutions refresh their buy to let offerings
- Buy to let brokers wake up!
- Mortgage market remained adaptable and resilient in 2016, says CML
- 6 weeks in – how the PRA rules are affecting landlords
- UK house prices stay buoyant, rising 7.2 per cent in December
- Raft of lenders offers new rates and incentives
- Atom Bank cuts rates and Clydesdale waives valuation fees on first-time buyer mortgages
- Asking prices rose by just 2pc in February, suggesting that market is slowing
- Demand for bridging loans defies expectations, rising 26pc in Q4
- Vida Homeloans offers innovation and flexibility with new rates and criteria
- Gross mortgage lending holds up, while new build completions fall
- Lenders cut buy to let rates and launch new five year fixes for expats and light refurb
- Remortgage lending booms, as figures up 15.7pc in January
- Landlord licensing different across the UK
- Leasehold & Freehold Title Ownership: A right to forfeit?
-
April
- New buy to let mortgage deals available from BM Solutions and Coventry
- Buy to let product numbers for Ltd Co's increase and rates reduce
- How to save £3368 in BTL mortgage payments over two years
- Lenders cut rates and revise buy to let affordability criteria
- Majority of landlords now understand implications from changes to tax relief
- Government publishes details of proposed letting agent fee ban
- Landlords opt for complex, cheaper purchases
- Lacklustre house sales reported in March
- New commercial and residential mortgage deals launched
- BTL lenders favouring percentage-based fees
- All hail top-slicing on buy to let mortgage affordability calculations
- Gross mortgage lending down 4% quarter on quarter
- Downward trend in owner occupation slows
- Property transactions fall 40pc year-on-year, following last year’s Stamp Duty surge
- Price of average UK house now surpasses 2016’s record high
- LIMITED EDITION 2.99% (4.6%) BTL mortgage for loans up to £3m
- Mortgage Trust releases ‘lowest ever’ rates and Santander launches buy to let range
- Gross bridging lending falls 5.5pc in Q1
- Criminal landlords in London to be exposed by new City Hall database
- Lenders launch new deals for landlords and cut rates for residential borrowers
-
May
- IMLA says mortgage lending will hit a 10-year high this year
- Limited edition offset buy to let mortgage
- Bank of Mum and Dad now funds over a quarter of all house purchases
- Mortgage approvals fall to six-month low
- TSB cuts rates, Vida refreshes criteria and Nationwide reviews leasehold lending
- House price growth loses momentum
- Buy to let fixed rates rise
- Taking out a 10 year fixed rate buy to let mortgage
- Diary of a First-time Buyer: Part One - The decision to buy
- Lenders tweak and improve residential mortgage offerings
- Keystone expands Classic Range with NEW 3 year fixed rate
- New buy to let and residential mortgage products hit the market
- House price growth remained slow in April
- Diary of a First-time Buyer: Part Two - Choosing a mortgage
- Six common misconceptions about Buy to Let Mortgages and Ltd Companies
- Why commercial mortgage lenders like CAMPARI and ICE
- ONS Index latest to suggest house price growth is slowing
- Mortgage lending grows in March, but falls below 2016 levels
- Greater support for SME housebuilders needed, says IMLA
- Raft of new buy to let and residential mortgage deals now available
- Average UK property price rises again in April
- Mortgage lenders' income requirements for the self-employed
- Tiered ICRs for landlords and new commercial pricing initiatives
- Annual property transactions rise by 20.3pc, HMRC reports
- New build dwelling starts and completions on the rise
- Gross mortgage lending rises year-on-year
- Remortgaging on the up as overall mortgage lending falls
-
June
- BM Solutions and Santander introduce new, reduced mortgage rates
- First time buyer activity rises significantly in Q1
- Vida Homeloans introduces new homeowner and buy to let deals
- Lenders compete with rate cuts and new products
- Will I be accepted for a Ltd Co BTL mortgage?
- Landlords adapt to tax and affordability changes
- Annual house price growth stabilizes in May
- Lenders refresh raft of homebuyer and buy to let mortgage deals
- New Street, Secure Trust and Accord update mortgage offerings
- How mortgage lenders assess your credit worthiness
- East of England house prices grew by 8.1 per cent in April
- How to get a commercial mortgage with no commercial experience
- Keystone Classic Range reduces rates
- Diary of a First-time Buyer: Part Three - Joint tenants or tenants in common
- Home buyer activity falls in April
- Buy to let lenders still quiet on portfolio landlords
- Residential and buy to let lenders bring new deals to the market
- Landlord show heralded a success
- No change to Bank Rate after majority vote to maintain status quo
- Buy to let borrowing routes for trading limited companies
- CML to put pressure on developers to stop unfair leasehold practices
- How the new PRA guidelines for portfolio landlords will affect you
- Keystone introduces online case tracking
- Mortgage sales rise by 25 per cent in May
- TMW launches new portfolio lending rules and Precise hosts broker masterclass
- Which brokers provide the best advice?
- Gross mortgage lending rises by 12 per cent in May
- Letting fee ban makes it into the Queen’s Speech 2017
- Buy to let and bridging loan sectors benefit from revamped product offerings
- Summertime brings new mortgage deals and lending initiatives
- First-time buyer? How to climb the first rung
- 3 reasons you should review your property portfolio now
- The Mortgage Works & Paragon break silence on lending to portfolio landlords
- House prices pick up in June, reversing recent decline
- Landlords in the dark - an opportunity for brokers?
- Lenders offer raft of new incentives to homemovers and buy to let borrowers
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July
- Limited Co's borrow more than individual landlords for the first time
- Save time & get pre-approved for a buy to let mortgage
- South London hits new mortgage lending high
- New government fund launched to support housebuilding
- Bank of England still divided over interest rate rise (1)
- Aldermore, NatWest and Skipton renew mortgage offerings
- Second charge mortgage lending sees surge in May
- Two-year mortgage deals fall to lowest rates on record
- Keystone increases broker proc fee
- How Aldermore will underwrite portfolio landlords
- Landlords purchasing cheaper properties with higher yields
- Buy to let mortgage lending rises on monthly and yearly basis
- Portfolio landlords' checklist
- Home buyer mortgage lending rises by 12 per cent in May
- Political uncertainty stifles housing market
- Private rented sector has doubled in size since 1990s
- Buy to let mortgage flat fees reach new lows
- Number of first time buyers unchanged in ten years
- Can I get a mortgage on a zero-hour contract?
- More outright owners than mortgagors among home owners
- InterBay launches bridging rates from 0.44 per cent
- Diary of a First-time Buyer: Part Four - Home valuation reports, a waiting game
- Accord prepares for PRA changes while Leeds and Yorkshire cut mortgage rates
- Gross mortgage lending rises 9% month-on-month in June
- Homebuyer transactions fall to lowest level in nine months
- Government announces ban on new build leaseholds
- Buy to let mortgages with no upper age limit for older landlords
- How to tell if you are paying too much for your mortgage in 4 easy steps
- OneSavings Bank signs eTech’s new Buy to Let Hub
- Equity release lending soars in Q2
- Increasing workload should mean increased proc fee
- Shawbrook Commercial aligns systems with new PRA requirements
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January
- Top tips to speed up your mortgage application
- Lenders welcome 2017 with a range of new mortgage deals and rate cuts
- House prices up 6.5% on last year
- Robust economy to push inflation up to 5pc in 2017
- Ltd Co purchase applications increase to 69% of total in Q4 2016
- Mortgage borrowing and purchase approvals fell in November 2016
- Majority of landlords understand the changing tax and lending environment
- BoE: November mortgage approvals reached highest level for eight months
- One third of homeowners plan to cash in and remortgage in 2017
- Are you ready for lenders’ new RTIs?
- Brexit no longer main risk to UK's economic stability, says Carney
- First-time buyer numbers reach 2007 levels
- FAQs on Ltd Co borrowing for buy to let
- Paragon Mortgages enters residential mortgage market
- Direct to bank or via a broker?
- What can we expect from mortgage rates in 2017?
- House purchase lending rose by 5% in November
- UK house prices continue to rise, up 7.2% year-on-year
- Aldermore and Skipton cut rates on buy to let and new build mortgages (1)
- CML hits back at MPs’ ‘stumbling block’ claim
- Title Insurance now available for InterBay’s Developer Exit product
- Accord cuts residential rates and Aldermore improves criteria for the self-employed
- Common areas of concern when borrowing via limited company for buy to let
- Rise in swaps not reflected in buy to let mortgage rates
- Variety of lenders refresh buy to let offerings and cut rates
- Gross mortgage lending up by 12% in 2016
- £1m+ buy to let mortgages and where to get them
- Remortgage approvals hit an eight-year high
-
March
- Bridging lending picks up in Q4 rising 26% on Q3
- February sees rental price inflation rise by just 0.8pc year-on-year
- Raft of lenders expand buy to let and residential mortgage offerings
- Meeting the forthcoming energy efficiency requirements
- Top 10 Best Buy to Let Mortgages
- Popular mortgage myths dispelled
- Housing market stable, as prices rise steadily in February
- Income requirements for Ltd company buy to let mortgages
- Aldermore cuts buy to let rates and product fee
- Budget 2017: Chancellor fails to address housing issues
- What the Spring Budget 2017 means for landlords
- Spring cleaning for Shawbrook and Accord as they cut prices and launch new products
- Why you should remortgage your home before you're 57
- Fraudulent landlord sentenced to two years for tax evasion
- Home buying slows in January, while remortgage activity up 54pc
- U-turn on plan to increase National Insurance for self-employed
- Home truths are uncomfortable
- Stamp Duty FAQs
- Shawbrook offers new interest-only mortgage solution to over 55s
- Mortgages for Business crowned best buy to let mortgage broker for 6th year in a row
- Bank of England votes to hold base rate at 0.25pc
- House prices up 1.3pc, with the Midlands leading the way
- Diary of a Buy to Let Purchase Part 16 - A year on...
- Can a first-time landlord buy a property in a limited company structure?
- Kent Reliance now accepts Modern Methods of Construction
- Gross mortgage lending unchanged year-on-year
- Gross mortgage borrowing up by 4.6pc year-on-year, says BBA
- House price inflation in cities on the decline
- New fixed rate and self-build mortgage products available
- Buy to let rates for loans of £1m+
- Lenders cut rates on buy to let mortgage products
- Help to Buy scheme and ISA take-up figures revealed
-
August
- House prices experience stable growth in July
- FHL, Coventry and Pepper refresh mortgage offerings and criteria
- Keystone Property Finance joins Julian Harris’ mortgage panel
- Aldermore seeks to help ‘trapped’ borrowers with new remortgage range
- Bank of England votes to hold interest rates
- Over-55s see equity from housing wealth rise by 1.4 per cent
- How to maximise borrowing and remortgage your buy to let within 6 months of purchase
- FHL improves buy to let offering with dedicated HMO product
- Buy to let mortgages with no ERCs
- Castle Trust latest lender to announce approach to portfolio landlords
- Price growth grinds to a halt, says RICS
- Diary of a Buy to Let Purchase Part 17 - If Carlsberg made tenants – shame the same can’t be said for the tax man
- What security do buy to let lenders require when lending to Ltd Cos?
- Update on the PRA's new underwriting rules for portfolio landlords
- Surge in residential mortgage lending as buy to let remains flat
- Skipton tightens affordability tests for portfolio landlords
- OneSavings Bank announces portfolio landlord lending criteria
- Diary of a First-time Buyer: Part Five - Completion at last
- BM Solutions releases details of portfolio landlord criteria
- Fleet Mortgages confirms no change to portfolio landlord lending criteria
- How to let to buy
-
September
- Keystone brings forward proc fee increase
- Mortgages for Business appoints new finance director
- No EPC no buy to let mortgage
- Diary of a Buy to Let Purchase Part 18 - Always open the envelope
- Buy to let borrowing options for first-time buyers and landlords
- Keystone announces underwriting policy for portfolio landlords
- Six buy to let mortgage lenders announce portfolio landlord approach
- Why you should use a broker for property development finance
- Metro Bank announces portfolio landlord criteria
- BTL is holding its own — for now
-
October
- How long can you get a commercial mortgage for?
- Keystone selects eTech's Buy to Let Hub to support applications from portfolio landlords
- How commercial lenders are applying the new buy to let underwriting rules to businesses
- Are mortgage rates on the rise?
- Buy to let lending to portfolio landlords: The new landscape
- c80% of BTL mortgage purchase applications made by Ltd companies
- Keystone enhances lending criteria
- Cheap money anyone
- Large mortgages and complicated income streams
- More money should solve UK housing crisis
- NatWest and TSB increase rates ahead of expected base rate rise
- Gross mortgage lending in September 5pc higher than a year ago
- Paragon launches new BTL mortgages products and TSB raises rates
- Rents grow fastest in North West
- Remortgaging up 3 per cent as purchases and overall lending plateau
- Best Buy to Let Remortgage Rates
- Best Residential Remortgage Rates
- Nationwide cuts rates by up to 0.5%
-
November
- Annual house price growth picks up to 2.5% says Nationwide
- Foundation expands its buy-to-let range
- How the new underwriting rules are affecting landlords?
- Why five year fixed rate buy to let mortgages are rising?
- Multi-units – what are they and how to finance them?
- Swap rate hikes the real problem, not base rate
- Pricing and appetite in the commercial lending sector
- Commercial mortgages and loans for pubs
- RICS: new evidence of market slowdown
- English Housing Survey releases first data
- Buy to let mortgage rates trimmed
- Buy to let for older borrowers and as an alternative pension strategy
- Prospect of rate rise boosted remortgaging in September
- House price growth rebounds to 5.4% says ONS
- Investment decisions - mixed use, commercial property or buy to let?
- New search criterion identifies BTL rates for portfolio landlords
- More mortgage lenders to raise SVR after base rate hike
- Will Chancellor Philip Hammond cut out stamp duty for first time buyers?
- Property transactions up 9.2% in October says HMRC
- Best Mortgage Adviser Award for Mortgages for Business
- More house building and stamp duty cut for first time buyers
- Stamp duty relief for first-time buyers
- Landlords reassured over Budget tax change impact
- Buy to let and residential lenders refresh rates
- South East has 'best potential for investment'
- Specialist lenders vs mainstream lenders for commercial mortgages
- Remortgaging approvals hit nine-year high
-
December
- Raft of lenders update mortgage offerings at end of November
- Buy to let mortgage rates see record rise
- First-time buyer's can get post-Budget stamp duty refunds
- Annual house price growth eases to 3.9pc
- Two-speed market emerges as private rented sector climbs to £1.4 trillion
- Barclays targets first-time landlords while Coventry trims its buy to let mortgage rates
- Why I chose a 5-year fixed rate mortgage now
- What are buy to let landlords doing now
- Office of National Statistics confirms rental slowdown
- Remortgaging boost continued in October
- Out of the ground! Placing property development finance deals
- Buy to let: Accord pares back rates while Foundation ups LTV
- House prices show first monthly rise since March
- Sales of variable rate remortgages plummet
- First-timers set to become largest buyer group in 2018
- Residential property transactions up 7.1% in November
-
February
-
2018
-
January
- Lending is up as remortgaging boost takes hold
- Buy to let lenders update offerings and introduce new rates
- Need a mortgage up to 6 times your income?
- HMRC to refuse Stamp Duty payments by credit card
- House prices rise by 2.4% in 2017: Halifax
- Personal or Ltd Company ownership of buy to let property?
- Commercial mortgages and loans for care homes
- Buy to Let and residentaial mortgage lenders reduce and introduce rates
- Is your buy to let mortgage rate about to go up?
- Paragon removes floating charge for limited companies
- Help to Buy equity loan scheme set for record year
- Asking prices inch up in January
- 6 Best Buy to Let Mortgages
- Limited company buy to let purchases outstrip remortgages
- Residential lenders introduce new products
- HMOs produce highest BTL yields in 2017
- High loan to value rates defy rate rise
- Portfolio landlords struggling to secure finance post PRA
- Buy to let lenders refresh product offerings and update application process
- New home registrations hit ten-year high in 2017
- Bridging lending rises 10%
-
February
- Surprising leap in house prices
- Borrowers ignoring mortgage timebomb, says FCA
- Base rate rise predicted for coming months
- Landlords continue to invest in buy to let
- Nationwide reinstates free legals for remortgage
- Sharp rise in landlords facing serious mortgage arrears
- Buy to let lending margins squeezed
- Landlords, do your properties meet the new Energy Performance Certificate rules?
- Hampshire Trust Bank launches new BTL and HMO deal
- Three reasons for landlords and property developers to use to short-term finance
- Products updated by residential and buy to let lenders
- Accord launches high-LTV remortgages
- January surge in first-time buyers
- Do you know someone with a Help to Buy ISA?
- Skipton and Bank of Ireland unveil new mortgage products
- Buy to let borrowing Landlords must act now
- Commercial mortgage for children’s day nursery
- Aldermore releases new seven-year fixed product for commercial buyers
- Amicus unveils commercial mortgage arm
- Too few homes being bought commonhold says Law Commission
- Accord launches 10 year fixed residential rate
- More interest rate rises than expected
- Landbay and Kent Reliance make changes to buy to let offering
- Mortgages for Expats
- MFB launches instant EPC rating retriever for landlords
- Specialist buy to let is the name of the game
-
March
- House price growth falls back in February
- Several lenders nudge up fixed rates
- Prime minister to tell housebuilders to do their duty
- Barclays increases maximum LTVs in criteria revamp
- Why focusing on the headline rate could be costing you £xxx’s
- Landlord raises £30k and saves £1,836 per year by switching provider
- Vida update their BTL range, while Newcastle cuts rates on 95% LTV
- Rents in East Midlands Rising Three Times Faster than UK Average
- Six-year low for UK construction output
- TSB scraps longterm fixes Aldermore cuts floating charge and Foundation introduces new BTL loans
- Vida Homeloans Skipton and NatWest update buy to let and residential products
- Remortgages hit nine-year high
- Virgin Money launches buy to let cashback Principality BS cuts fixed rates and NatWest makes a raft of changes
- How many buy to let mortgages can I have
- UK House Price Index Scotland and East Midlands clock up largest annual growth
- Five reasons why 10 year fixed rate mortgages make sense
- Unsecured borrowing for business expansion
- Metro Bank Nationwide and Fleet Mortgages update lending criteria
- Mortgages for Business wins Buy to Let Mortgage Broker of the Year 2018
- One Savings Bank confirms minimum energy rating on BTL and TMW brings back 80 pc LTV fixed products
- Bank vote leaves the door open for interest rate rise in May
- Remortgaging drives lending growth as house purchases fall
- Kent Reliance, Vida Homeloans and Accord Mortgages make changes to BTL and residential ranges
- Peace, love and understanding in buy to let
- Mortgages for Business fields three finalists in specialist lending awards
- Volatile mortgage approvals drop below six-month average
-
April
- TSB, Pepper Money and Foundation Home Loans make changes to their BTL Criteria
- Scottish Help to Buy scheme extended for two years
- Paragon and Vida launch new BTL products while Accord trims residential rates and Platform embraces Help to Buy
- Industry welcomes reform of buying and selling processes
- Lenders update criteria and rates for residential and buy to let products
- Flat market raises doubts on rate hike
- Lenders launch residential mortgage rates below 1pc
- Asking prices inch up to record high
- Buy to let is in the spotlight
- From buy to let to commercial
- 3 reasons for landlords & property developers to use short-term finance
- Are you prepared for interest rate hikes?
- Should I overpay my mortgage?
- How to choose the right mortgage
- Remortgagers drive rise in lending (1)
- House price growth slows as London values slide
- Updates from Foundation and BM Solutions
- Interest rate rise may be delayed says Carney
- Updates from Aldermore and NatWest
- Diary of a Buy to Let Purchase Part 19 - OMG EPC FFS
- House transactions down in March
- Accord updates BTL fixed rates and Newcastle Intermediaries introduce a 95% LTV residential rate
- Small uptick in April house prices
-
May
- Mortgage approvals unchanged in March
- Five year fixed BTL rates continue to fall
- Intermediaries updates from Santander and Principality
- East Midlands yield hotspots for rental growth
- The cheapest ways to pay for property improvements
- 8 FAQs about holiday let mortgages
- House prices slide 3.1 per cent in April
- Keystone reduces all rates
- FCA calls for more tools to help UK buyers find cheaper mortgage deals
- Buy to let continues to deliver significant returns
- Bank of England holds interest rates
- BTL updates from Kensington, Metro and Keystone
- Silver lining for the building industry
- First-time buyer levels up while remortgaging dips
- Interest in interest-only mortgages plummets
- The Mortgage Lender launches BTL range
- How new HMO legislation will affect buy to let borrowing
- Up to 380,000 landlords plan to offload property
- Property transactions slump in April
- London house prices slide for second month
- The Mortgage Works cuts trackers and launches 10-year fix
- Updates from Virgin Money and Aldermore
- Gap between asking price and sale is widening but mainly in the South
- House prices in May no cause for cheer
-
June
- April mortgage approvals slip further
- New ranges from The Mortgage Works and Yorkshire Building Society
- Specialist lenders launch new buy to let and semi-commercial mortgage products
- The Mortgage Lender rolls out its BTL offering
- Halifax registers faint house price recovery
- Platform, HSBC and Coventry announce residential rate cuts
- New mortgage commitments at lowest level in two years
- Private rental sector must grow to plug gap left by slow house market
- Remortgaging bounces back
- Frustrated first-time buyers will sustain rental sector
- Buy to Let Lending in Scotland
- Limited edition buy to let mortgages
-
January
-
Case Studies
- Buy to let mortgages
- Commercial mortgages
- Property development finance
- Bridging & short term finance
- Residential mortgages
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Documents
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Commercial
- Remortgage of mixed use property to increase cash flow
- Interest only refinance of 10-bed guest house
- Purchase of a take-away with a flat above for investment
- Capital raising for business owner to buy out partner
- Couple buy beauty salon shop and business
- Partnership buy out of children’s day nursery
- Auction finance during Christmas holidays to buy office block
- Remortgage of shop in the Brighton Lanes to raise capital and save money
- Commercial mortgage for first-time hoteliers
- Commercial investment mortgage within a pension fund
- Capital raise on unencumbered GP surgery to raise funds for refurb
- Commercial mortgage to purchase 20-bed care home
- Commercial mortgage to purchase long lease of cafe
- Restaurateurs remortgage mixed-use property to raise capital
- Family purchases Cornish holiday park
- Sole trader purchases office with 25% deposit
- Landlord remortgages mixed use property on interest only rate
- Couple raise capital on restaurant for further commercial investment
- Commercial mortgage for start-up children’s day nursery
- March 2016
- May
- June
- January 2016
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July 2016
- Trading Ltd Co purchases pub lease via Enterprise Finance Guarantee Scheme
- Remortgage of semi-commercial property with no business accounts
- Related transaction & interest only term on shop with 3 flats above
- Capital raising on Grade II listed B&B for divorce settlement
- Remortgage of £5.2m mixed use development to repay two loans
- 2016
- April 2016
- 2017
- 2018
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Bridging and Short Term Finance
- Bridging loan for house refurb then refinance onto buy to let mortgage
- Bridging loan for property purchased at auction
- Short-term finance arranged on part-exchange property
- Auction finance for dilapidated maisonette above hairdressers
- Short term loan for HMO purchase
- Short term loan for experienced property developer
- Bridging loan for HMO requiring renovation
- Auction finance for purchase of un-modernised London terrace
- Bridging loan then remortgage 2 months later with same lender
- Short-term loan for couple after property sale falls through
- Quick refinance for landlord whose lender called in loan
- Short term finance to pay off mortgage on HMO
- Short-term finance to purchase and refurbish a 2-bed flat for quick resale
- Bridging loan for landlords to purchase and develop ex-LHA house
- Bridging loan for developer refurbishing & extending 2-bed house
- 2016
- 2017
- 2018
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Residential
- Home purchase using government's NewBuy deal
- Residential mortgage for company director
- New build purchase with Help to Buy
- Mortgage offer with full retention of funds pending conversion
- Mortgage for self-employed first time buyer with only 2 years’ accounts
- Residential mortgage with no early repayment charges
- Residential remortgage with immediate consent to let
- DIP and application completed on same day for first-time buyers
- Capital raising by pensioners for home improvements
- Part-time landlord purchases his first home
- Developer with complex income secures interest-only mortgage
- Part time landlord needed a speedy purchase of residential property
- Part-time landlord buys first home
- Residential remortgage for married couple to repay unsecured debt
- First-time buyer purchases home after just 2 months in current job (1)
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2016
- January
- February
- March
- April
- May
- June
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August
- Couple purchase 4-bed house on interest only terms whilst keeping homes from previous marriages
- Remortgage of family home on interest only terms to purchase son’s university accommodation
- Contractor with less than 2 years accounts raises capital on family home
- Refinance of 5-bed for cash purchase of temporary second home
- September
- October
- November
- December
- Landlord remortgages home to fund buy to let property with her daughter
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2017
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January
- First-time buyer with a default on his credit profile purchases London flat
- Self-employed mechanic with adverse credit simultaneously remortgages his home and rental property to raise a deposit for a new home purchase
- Full mortgage offer received within 3 days by couple with less than 2 years’ business accounts
- February
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March
- Couple with complex income structure and history of late mortgage payments purchase family home
- Cab driver uses sales proceeds of house from previous marriage to purchase new home
- Pre-credit crunch, interest only-tracker extended & ported with additional borrowing on 10 year fix
- Full-time landlords remortgage home to raise capital for further BTL investment
- April
- Couple in their 60s refinance maturing interest-only mortgage saving over £500 pcm
- June
- July
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August
- Self-employed couple with 1 year’s accounts get mortgage on first home
- Interest only terms on home-buyer mortgage for landlord
- Portfolio landlord remortgages home to save £671 per month
- Newly employed first-time buyer purchases home with 50% gifted deposit
- Divorce prompts portfolio landlord to remortgage home in sole name
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September
- Remortgage of family home on interest only terms after divorce
- Over-time included in affordability calculation for first-time buyer purchasing at 95% LTV
- First-time buyers purchase parents’ house with gifted equity
- Mortgage offer in just 3 weeks to help customer's house purchase from falling through
- £1.52m home-buyer mortgage for couple with retained profits in their business
- October
- December
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January
- 2018
- Portfolio landlords with 14+ properties purchase forever home
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Property Development Finance
- £1.175m development loan to build 3 executive homes
- Capital raising to finish developing block of holiday flats
- Conversion of redundant office building into block of 18 flats
- Raising £3.3m in 6 weeks for office-to-flats development
- £1.25m development loan to build 51 starter homes
- Raising £934k to build flats next to railway
- Property development project funded by second charge mortgage
- Funding for development of 9 starter homes
- £1.9m loan to convert Thames warehouse into luxury apartments
- Funding for development of two semi-detached houses on large bungalow plot
- Refinance of block of flats owned by trust to repay loan and extend property
- P2P lender offers property developer 100% of build costs and no exit fee
- 100% of the build costs received within six weeks
- 2016
- 2017
- 2018
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Buy to Let
- Buy to let purchase from a family member
- Refinance of buy to let property near to industrial premises
- Lending criteria exception for new build studio flat purchase in E1
- Purchase of low value holiday flats
- Ex-pat remortgages 2 flats using his SPV limited company
- Company director raises finance on unencumbered rental property
- Buy to let mortgage for ex-council flat in South East London
- Raising capital on a low yielding house
- Raising capital without forfeiting an existing low rate buy to let mortgage
- 6-bed HMO purchase by SPV limited company
- Remortgage for HMO within 6 months of purchase
- Raising capital for part-time landlord with low income
- Refinance of refurbished ex-LA flat within 6 months of purchase
- Aberdeen flat purchased by limited company
- Buy to let mortgage with free valuation & no ERCs for flat in Scotland
- Purchase of freehold block of 9 flats above offices and nightclub
- Refinance of ex-Local Authority flat to pay off bank loan
- Capital raising for landlord with low income
- First-time landlord gets buy to let mortgage to purchase house at auction
- Newly incorporated SPV Limited Company purchase flat
- Landlord buys block of flats with 5 year fixed rate
- 2 flats remortgaged to raise finance for Ltd Co looking to expand portfolio
- Light refurbishment loan for buy to let in need of work
- Ex-pat raises finance on unencumbered rental property
- Retired couple remortgage flat onto a 10 year fixed rate
- Purchase of third flat in a block of four
- Refinance to raise capital for further property investment
- £890k to repay expensive bridging loan and fund development project
- Ex-pat soldier purchases buy to let in need of work
- Associated transaction on holiday let by directors of SPV
- Experienced investors transfer onto better rate without switching lender
- First-time landlord purchases new build flat through SPV Ltd Co
- 75 year old landlord refinances 7-bed HMO
- Second charge mortgage to raise finance for further property investment
- SPV limited company refinances flat above commercial premises
- Ex-pat refinances 6-bed HMO
- Limited company refinances converted multi-unit
- Ex-pat refinances London flat to raise capital
- Ltd Co with 72 year old director refinances flat leased to housing association
- Landlord purchases high-value low-rent property
- Ex-pat directors of SPV Ltd Co refinance to expand portfolio
- Full-time landlord with hard to prove income raises capital on London flat
- Ex-pat becomes first-time landlord
- Trust remortgages buy to let property to raise capital
- Remo for ex-pat on flat to raise capital for portfolio expansion
- First-time landlord raises finance to buy out brother
- Experienced landlord remortgages two 5-bed HMOs
- Equity release on home with no monthly payments for rental refurb
- Refinance of block of flats for new SPV Ltd Co
- Mortgage for first-time landlord in just under a month
- Refinance for inexperienced HMO landlords requiring 85% LTV
- BTL remortgage for low-earning, non-home-owning landlord
- Refinance on recently refurbished apartment
- Inexperienced landlord purchases his first multi-unit property
- Director of SPV raises finance against multi-unit to repay director’s loan
- Landlord releases equity to fund residential purchase
- Non-homeowning couple refinance BTL in SPV Ltd Co
- 68 year old landlord remortgages through SPV Ltd Co
- SPV refinance for portfolio landlord with 80+ BTLs
- Refinance of two houses for newly trading Ltd Company
- Trading company refinances multi-unit complex
- 80% LTV on BTL purchase for landlord with 30+ rental properties
- SPV purchases leasehold flat where freehold is owned by related party
- Capital raise on unencumbered property through newly trading SPV
- Non-homeowner raises capital on unencumbered property for further investments
- Landlord with multiple income remortgages small flat over commercial property
- Refinance of freehold flat for SPV to fund further investment
- SPV raise capital on unencumbered freehold block of 12 flats
- Purchase of new build property for hoteliers with adverse credit
- Full-time landlords remortgage ex-local authority flat
- Part time landlords purchase HMO through SPV with 85% LTV
- Landlord raises capital with no monthly repayments
- Part-time landlord uses product transfer to get better rate and release equity
- SPV Ltd Co refinances London rental flat
- Remortgage of mixed use block of 5 shops & 7 flats
- First time landlord with irregular income purchases terraced house
- Non-homeowner purchases buy to let after just a month at current job
- Refinance to raise capital for further investment
- SPV refinances HMO to raise funds for further BTL investment
- Full-time landlord remortgages leasehold flat where freehold is owned by related party
- Ex-pats living outside of the UK since 2011 expand buy to let portfolio
- Older landlord couple remortgage HMOs to get better rate
- Application to offer within 5 days for the remortgage of 2 rental properties
- SPV remortgages block of six flats to raise funds for further investment
- Buy to let mortgage for first-time landlord with adverse credit
- Landlord changes standard rental property into licensed student HMO
- Part-time landlord with small income purchases buy to let at 80% LTV
- Couple with 50+ rental properties raise capital on unencumbered house
- Retired landlord uses equity release to help purchase Cornish holiday park
- Full-time landlord remortgages and raises capital
- First-time landlord purchases property in newly set up SPV
- SPV Ltd Co raises capital on 3 unencumbered flats
- Landlords sell 3-bed house to their SPV limited company
- Selling personally owned rental property to your SPV Ltd Co
- Refinance of house converted to 5 flats by inexperienced landlords using SPV
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2016
- January
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February
- BTL mortgage at 80% LTV for auction purchase
- Self-employed ex-pat purchases second BTL in London
- Landlord refinances and raises capital on recently converted HMO
- Buy to let remortgage of large HMO to raise capital for further purchase
- Landlord remortgages multi-unit to fund another BTL purchase
- SPV Ltd Co remortgages multi-unit for further buy to let investment
- Buy to let mortgage for SPV purchasing 2 student lets
- SPV remortgages 2 London properties for further BTL investment
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March
- Landlord purchases off-plan house with newly set up SPV
- Buy to let mortgage for SPV to purchase at auction 2-bed flat above office
- Self-employed ex-pat purchases first buy to let
- Bridging loan repaid with buy to let mortgage
- Full-time landlord remortgages onto 5 year fixed rate BTL saving £215 pcm
- Couple save £220 pcm by remortgaging 2-bed flat
- Doctor remortgages entire portfolio owned by his trading Ltd Co
- Landlord purchases multi-unit via newly established SPV
- Fee-free remortgage of licensed student-let HMO
- BTL purchase for SPV with complicated director structure
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April
- Purchase of low-value, high-rise flat by landlord with adverse credit
- 73 year old landlord gets 25 year term remortgage & saves £266 pcm
- First-time landlord and first-time buyer purchase buy to let together
- Quick remortgage of buy to let owned for less than 6 months
- 24-hour BTL product transfer for self-employed builder – saving £50pcm
- Experienced landlord purchases 2 flats in recently converted office block
- Full-time landlords save £110pcm with BTL product transfer
- Landlord funds refurbishment with further advanced to avoid ERC’s
- Self-employed architects save £245pcm with BTL product transfer
- May
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June
- Part-time landlords remortgage low-value multi-unit to raise capital
- Capital raising on maisonette to fund new home purchase
- Landlords in their 70s remortgage HMO on 20 year term
- Refinance of recently purchased property by landlords with minor adverse credit
- Ex-pat with little UK credit history purchases rental property
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July
- Ltd Company buy to let mortgage for city centre flat purchase
- Simultaneous remortgage and purchase by newly full-time landlord
- SPV Ltd Co purchases HMO multi-unit combo
- Let to buy on ex-council house to raise deposit for new home
- Landlords sell ex-council flat to their newly established SPV Ltd Co
- Scottish landlord with adverse credit purchases 2 adjoining cottages from her Ltd Co
- BTL mortgage for multi-millionaire with commercial and residential property portfolio
- Trading Ltd Co remortgages ex-council flat above shop to raise capital
- Landlord utilises low stress test calculation to achieve 80% LTV
- Remortgage within 5 months of student house at open market value
- 5 year fixed rate obtained using low interest cover ratio
- Capital raising on block of flats to consolidate debts
- Landlord seeks generous rent to interest calculation to increase borrowing on low yielding flat
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August
- Landlord sells high-rise flat to his trading Ltd Co
- Equity release with no monthly repayments on unencumbered London rental flat
- Full-time landlord refinances 2-bed maisonette to repay bridging loan
- Part-time landlord remortgages ex-council flat saving £480pcm
- BTL mortgage with no ERCs for new build high-rise flat
- Full-time landlord refinances newly created leasehold flat within existing freehold
- Ex-pat in Thailand refinances UK rental flat to raise capital
- Stress test at pay rate required on low yielding London rental flat to maximise borrowing
- Newly self-employed applicant with minor adverse credit remortgages multi-let
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September
- Teacher funds second buy to let via SPV Ltd Co
- Purchase of student HMO by landlords with low income
- From personal to Ltd Co ownership – 80% LTV obtained on 2-bed flat
- New landlords buy block of small studio flats via SPV Ltd Co
- Part-time landlord sells run down BTL property to his SPV Ltd Co
- Landlords with low income purchase first rental property via newly established SPV Ltd Co
- Quick mortgage offer for first-time buyer and first-time landlord
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October
- Landlord borrows £246k more than he will be able to from 1 January 2017
- Couple set up SPV Ltd Co to purchase low value, high yielding buy to let
- Portfolio landlord sells personally owned flat to his new SPV Ltd Co
- Ex-pat sells two personally owned rental properties to newly established SPV Ltd Co
- BTL mortgage for first-time landlord purchasing via newly established Ltd Co
- Newly established SPV Ltd Co requires 85% LTV for 5-bed HMO
- From personal to Ltd Co ownership using a director’s loan
- Switch from personal to Ltd Co ownership after exchange of contracts
- SPV remortgages 3 adjoining townhouses to repay £1.8m development loan and raise capital
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November
- Non-homeowner purchases rental flat at 80% LTV via new SPV Ltd Co
- Retired couple start incorporating modest portfolio
- Landlord saves £433 pcm with buy to let product transfer
- Remortgage with free valuation and legals to save over £450pcm
- Transferring from a residential to a buy to let mortgage
- First-time landlord purchases HMO at 80% LTV via newly established SPV Ltd Co
- Landlords take ownership of entire block, purchasing 2 remaining flats within a block of 7
- Refinance of 7-flat development valued at £7m on a single title
- December
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2017
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February
- Landlords with varied income remortgage recently converted HMO at 85% LTV
- First-time landlords purchase student HMO via newly established SPV Ltd Co
- New SPV purchases 3-bed multi-let
- Landlord with adverse credit saves £800pcm and raises £20k
- Very large portfolio owners remortgage two properties using SPV
- Property developer remortgages new build block of flats onto £1.6m+ buy to let mortgage
- Remortgage within 6 months of purchase at increased property value
- Capital raising against low-yielding ex-local authority rental property
- £650k raised by 4 directors of newly set up SPV on unencumbered property
- Capital raising on inherited ex-LA flat with an unusual construction type
- Landlord with low income purchases 5-bed HMO via SPV Ltd Co
- BTL mortgage for new SPV with large gifted deposit from overseas
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March
- Landlord sells personally owned rental flat to trading Ltd Co
- Product transfer complete in 24 hours for landlord struggling to meet new affordability criteria
- Capital raising against unencumbered eco property with sedum roof
- Landlord refinances sole rental property to consolidate debts and expand portfolio
- SPV Ltd Co purchases first HMO at 80% LTV using inter-company loan
- First-time landlords set up SPV Ltd Co to purchase student HMO
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April
- Landlord saves £187 pcm with buy to let product transfer
- Large loan for eight flats with complex ownership structure
- Trading Ltd Co requests Bank Rate tracker for BTL purchase
- Buy to let remortgage for end-of-terrace house owned by family trust
- HNW ex-pat landlord seeks limited company buy to let mortgage for first of 12 new purchases
- Refinance of multi-unit with landlords living in one of the flats
- Trading Ltd Co purchases BTL using business profits as deposit
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January
- Part-time landlord remortgages 7-bed home raising capital and saving £400pcm
- 10 year fixed rate - from offer to completion in 1 week
- SPV Ltd Co purchases rental property without all major shareholders offering a personal guarantee
- Investors remortgage 4 properties under 1 loan to raise capital for unknown project
- SPV Ltd Co refinances £2m multi-unit within 6 months of purchase
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May
- Sale of leasehold flat to newly established SPV where freehold is owned by related party
- Landlords refinance low-yielding rental property to fund home renovations
- First-time landlords purchase 6-bed HMO via newly established SPV
- Offer to completion in one week for capital raising on unencumbered buy to let
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June
- Part-time landlord sells personally owned ex-LA flat to newly set up SPV
- £400k refinance for large portfolio landlords
- Let to buy mortgage on ex-LA flat to raise deposit for new home
- SPV Ltd Co purchases ex-council flat in Scotland
- Last minute application on buy to let mortgage rate due for withdrawal
- July
-
August
- Low-earning landlord raises capital against 2-flat block
- SPV with 3 directors remortgages 5-bed HMO
- Trading Ltd Co purchases 6-bed HMO
- Landlord with 80+ properties purchases high rise flat
- Couple in their 70s receive 25 year term on ex-LA flat
- Buy to let mortgage for new SPV using inter-company loan as deposit
- SPV directors raise £55k refinancing HMO and save £206 pcm
- Trading Ltd Co raises capital against 1-bed flat to extend short lease
- Full-time landlords raise £800k against HMO & flat combo
- Buy to let mortgage for semi-commercial property
- September
- October
- December
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February
-
2018
-
January
- Family refinances multi-let within 6 months of purchase at increased property value
- BTL mortgage for SPV Ltd Co underwritten on 3 of 4 shareholders
- Older landlords save £150 pcm remortgaging their buy to let
- Trustees remortgage 1-bed flat of deceased relative
- Newly established SPV Ltd Co receives offer within 10 days
- Fast remortgage of HMO for portfolio landlord raising capital
- February
- March
- April
- May
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June
- Capital raising on rental property to pay off home mortgage
- Portfolio landlord purchases 7-bed student HMO in Scotland
- Residential remortgage to consolidate debt
- Landlord with low income raises capital to purchase new buy to let
- 5 year fixed rate for portfolio landlord purchasing maisonette
- Mortgage offer within 4 days on £1.3m 11-bed HMO
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January
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Commercial
- Broker Case Studies
-
FAQs
- Buy to Let
- Property Development Finance
- Commercial Mortgages
- Bridging & Short Term Finance
- Residential mortgages
- Broker
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Documents
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Buy to Let
- What is a buy to let Mortgage?
- What is an HMO?
- I have 16 buy to lets; am I exempt from the new 3% stamp duty surcharge?
- Are buy to let mortgages regulated?
- How much of a deposit do I need for a buy to let mortgage?
- Is there a limit to the number of buy to let properties I can own?
- How does the borrowing criteria differ on a buy to let mortgage from a standard residential mortgage?
- Should I choose an interest only or repayment (capital and interest) buy to let mortgage?
- Can I use the equity on my home as a deposit for an investment property?
- Can I get a buy to let mortgage and live in the property myself?
- Do I need to change my mortgage from buy to let to residential if I move into the property?
- Is it possible to get a self-cert mortgage?
- Can I offset tax against interest payments on a buy to let mortgage?
- Can I raise finance on my unencumbered property to purchase another one?
- Is it advisable to purchase a buy to let property with sitting tenants?
- Can I get finance to buy a holiday let?
- Can I get a buy to let mortgage on a flat above shops and offices?
- What is the typical RTI cover amount required by lenders?
- Can I use the equity in my current buy to let property to purchase a second one?
- How can I apply for a mortgage with you?
- Why should I use Mortgages for Business?
- I have a bad credit history - can you help me?
- How do I keep track of my application?
- When should I remortgage?
- I am 20 years old and on a low salary, would I qualify for a buy to let mortgage?
- Is it possible to take out a second mortgage on our home to use as deposit for a buy to let property?
- I want to convert my buy to let property into two flats but need to remortgage to cover the cost of the works. Can I do this on my buy to let mortgage?
- Can I get a buy to let mortgage on a new build flat?
- Can lenders increase their tracker rate mortgages even if Bank Rate stays the same?
- I'm looking to raise finance to renovate my existing buy to let property, what are my options?
- Do I need a buy to let mortgage or a residential mortgage if I am letting it out to my family?
- Can I live in my property with a buy to let mortgage?
- Will I be able to get a buy to let mortgage if I retire in 5 years time and my only income is my pension?
- Can I get a 10 year fixed rate buy to let mortgage?
- Is there a limit on the number of buy to let mortgages are you allowed?
- Can I get a mortgage on a buy to let property with a sitting tenant?
- Do lenders take service charges or ground rent into consideration when making lending decisions?
- I want to purchase a house for family members who will contribute to the mortgage. Will this be classed as a buy to let?
- I want to become a landlord again, but had a property repossessed in the past. Would I be considered by any lenders?
- What costs are involved with taking out a buy to let mortgage?
- There are a number of buy to let lenders I haven't heard of before. Are they okay to use?
- What advice do you have for buying a property at auction?
- Can I get a joint buy to let mortgage with a friend if we live separately?
- We want to remortgage to take out some of the equity our buy to let has accrued. How much could we take out?
- My current lender is unable to extend the period of the loan as I shall be 75 years of age. What are my options for remortgage?
- I am thinking of investing in buy to let property, but am a bit unsure about the mortgage process. Please can you explain?
- How does a let to buy mortgage work?
- Can I get a buy to let mortgage on a flat above a shop?
- I have a poor credit rating so am unable to get a btl mortgage. If I went into investment with someone with a good credit rating would we be considered?
- I would like to invest in a studio flat for buy to let purposes, in London. Are there any options here?
- My 2 sisters and I inherited a 5 bed property which we wish to refurbish and then maybe let to students as a HMO. Would we need to get specific funding for such a project?
- Will my lack of employment prevent me in gaining finance for a BTL mortgage?
- If a property is bought specifically as a holiday let, is it a BTL mortgage or does it have to be a special holiday let mortgage?
- What if you want to buy a second home/holiday home and let it out when you are not using it – what sort of mortgage would you need to get?
- Do borrowers need a minimum income to invest in a holiday let? What about retired people?
- I know only a few lenders who accept holiday lets – why so few? How risky is it?
- I need to remortgage but due to my age and residence I am unable to find a lender. Can you help?
- I need to make changes to my property for my disabled resident. Would my buy to let lender give me a further advance?
- My partner and I are separating, how easy is it to remove a name from a mortgage?
- With the new tax relief rules announced in the July Budget, should I change my status from an individual to a limited company?
- Do I need to change my mortgage to a buy to let if I plan to let it out whilst working abroad?
- What are the risks of taking out a 10 year fixed buy to let mortgage?
- I am thinking of investing in a house with a friend with a view to letting it out. We are not related so would lenders be willing to lend to us?
- You haven’t answered my question, what do I do now?
- What is rental yield and interest coverage ratio?
- A property has been bought down in price due to a Japanese knotweed in the garden, can you advise?
- Can you explain what the MCD means for me as a borrower come March 21st 2016?
- Who is the main applicant on a mortgage?
- Who is the second applicant on a mortgage?
- Are buy to let mortgages for limited companies harder to get?
- Are buy to let mortgages for limited companies more expensive?
- Will I have to provide a personal guarantee if I take out a Ltd Co buy to let mortgage?
- Will I have to put in a bigger deposit if I borrow through a limited company?
- Can I borrow through a newly created limited company if I don't have any accounts?
- Can I transfer personally owned rental property to an SPV?
- Is there a particular type of limited company I should establish in order to purchase buy to let property?
- What is top-slicing?
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2016
-
November
- How many buy-to-let mortgages can I take out with one lender?
- I am concerned that because I have been in arrears I might not be able to get another mortgage.
- Is now a good time to invest in buy-to-let?
- Are there any buy to let lenders willing to take us on, or are we too old?
- Is it advisable to take on a property with existing tenants, and if they prove to be problematic, what rights do we have?
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November
- What is an unencumbered property?
- What is RTI?
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2017
- Is it difficult to get a buy-to-let mortgage in the current market? And what rates like at the moment? Can I still get a mortgage with a 25% deposit?
- When borrowing via a Ltd Co will lenders ask for the director's bank statements?
- I’ve found a property I’d like to buy but it needs work before it can be let out, can I get a buy to let mortgage?
- I’m looking to take out a buy to let mortgage via my Ltd Co. Could you confirm what security is required?
- What is consent to let?
- Can we transfer our property portfolio from our joint name into a limited company structure and should we consult our accountant?
- My wife and I have nearly paid off our residential mortgage and want to buy a second property for our son to live in, what would be the best way to do this?
- Can I let out my current home in the UK and use the funds to purchase a new home in France?
- The government cut mortgage tax relief at the beginning of April, but I’m not sure what this means for me?
- I currently have six properties which I rent out but I am thinking of downsizing my portfolio at some point. Could you explain more about the PRA rules and what they mean for landlords?
- Is it possible to get a buy to let lender to top up the mortgage to cover the costs of refurbishments on a property?
- Property Development Finance
- Commercial Mortgages
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Bridging & Short Term Finance
- What is a bridging loan?
- Is a bridging loan different from short term finance?
- How long can I borrow for?
- How long does it take to get a lending decision?
- How quickly can I expect to receive the funds?
- What fees should I expect to pay?
- What rate of interest might I be offered?
- Is it possible to repay a bridging loan early?
- What are exit fees?
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Residential Mortgages
- What sort of mortgage should I choose?
- Can I get a mortgage on an interest-only basis?
- I am self-employed, but have no accounts available, can you help me?
- What documents will I need to provide in support of my mortgage application?
- Have you got any advice about how I can improve my poor credit rating to get a mortgage loan?
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2017
- I am in my 50s and I would like to buy a house. Are there any lenders out there willing to provide a mortgage?
- I am worried that due to divorce I will struggle to meet my mortgage payments. Can I remortgage and pay over a longer term?
- What type of rate should we remortgage onto at the end of our current mortgage term?
- I have been living with my partner in his property for over 3 years, how do we go about adding me to the mortgage?
- My parents are lending me a deposit so I can purchase my first home, do I need to tell the lender this?
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