Longer Term Tenancies and Getting the Right Buy to Let Mortgage

In this LettingFocus blog post, we discuss our research into the potential for buy to let mortgage lenders to allow borrowers to offer longer term assured shorthold tenancies. We also look at the questions borrowers should ask themselves to ensure they get the mortgage that’s right for them. Currently, at LettingFocus we are doing research into the potential for buy […]

Read more

The Private Rented Sector and Some Key Issues for Government

I was quoted extensively at the Guardian Housing Network blog last week and I think it is worth highlighting the key points I made. Why the PRS is in the News 1. The private rented sector (PRS) is increasingly in the news and will remain so, partly because of its growing size and partly because of rising rent levels, which […]

Read more

Buy to Let Mortgages, the SVR and Follow On Mortgage Rates

Landlords (or indeed anyone buying a property) face ever rising costs to buy and sell property. On the buying side, stamp duty and the now ubiquitous “mortgage arrangement fee” are both much higher than in days gone by and local councils also charge more for searches. On the selling side, estate agency fees continue to rise. On both buying and […]

Read more

Buy to Let Mortgages and the Future for Smart Lenders

For a long time, in our corporate consulting work with mortgage companies and brokers, I have advised lenders and brokers that the “one size fits all” mortgage lending approach in buy to let may be nearing the end of its shelf life. Our work may soon start to bear fruit. Eventually, other mortgage lenders will follow and design mortgage products […]

Read more

Government Policy on the Private Rented Sector is Not Joined Up

Sometimes government policy doesn’t seem to join up too well – with different policies apparently conflicting with each other. Two good examples are (1) the lending activities of state owned banks which appear to hamper what local councils are trying to do with their private rented sector access schemes, especially lease schemes and (2) policies on HMOs which appear to […]

Read more

Landlords Still Wait for Advice from Buy to Let Mortgage Companies

Mortgage companies writing buy to let mortgages could do more to reduce the possibility of future arrears. It is a subject that we have written about extensively before at this blog, not least because the activities of the lenders exasperates not just would be borrowers but also mortgage brokers who often find many of the activities of the lenders hard […]

Read more

The Future for Buy to Let Loans and Mortgages

Whilst one or two new lenders have appeared on the blocks in the last quarter of 2010, the overall picture of availability of mortgages in the world of buy to let lending still looks pretty subdued. It is not so much the level of interest rates (which are low by historic standards) that is the problem. Rather, it is the […]

Read more

Getting a Buy to Let Mortgage A Useful Guide to Getting the Best Deals and Rates

NEXT SEMINAR AND NETWORKING EVENT for Landlords and Property Investors (which now take place just once or twice a year): Next Property Investment Seminar and Networking Event In last weeks’ blog I said I thought it would be worthwhile publishing a brief guide to buy to let mortgages. So here is our short guide for investor landlords wishing to buy […]

Read more

Mortgage Fraud and Buy to Let

I’m sad to say that at some recent events I have been to, quite a few punters came to me with pretty strong evidence that some property investment “advisors” are still encouraging people to carry out mortgage frauds as a way of buying property with little or no money down (NMD) and / or as part of a “buying below […]

Read more

Mortgages and Estate Agents Plus Lloyds Banking Group’s Strange New Buy to Let Lending Policy

Next Property Investment Seminar and Networking Event Lloyds Banking Group has just announced it will no longer be  offering new buy to let mortgage loans to landlords who have more than three properties or who have more than £2m worth of loans. This move will also hit buy-to-let investors that are remortgaging their current properties. Apparently, nine out of 10 […]

Read more
1 2 3