Topic filter : Buy-to-let

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....He said: “You can also get to Milton Keynes by train in 10 minutes, where prices are 20% higher than Northampton. ” Wellesley said the buy-to-let market was also buoyant, as investors were still managing to make returns of up to 10% on houses of multiple occupancy. ... [Read full article on Guardian ]
Monday 21st of August 2017 05:01:02 AM
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.... . Last spring there was a stampede of buyers rushing to snap up property before stamp duty was increased for second homes, including buy-to-let. ... [Read full article on Daily Express ]
Monday 21st of August 2017 04:01:00 AM
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Latest Finance News related to Buy-to-let

House prices: Northants leads Midlands 'mini-boom', says Rightmove image
Source : Guardian [Read Article] Monday 21st of August 2017 05:01:02 AM
....He said: “You can also get to Milton Keynes by train in 10 minutes, where prices are 20% higher than Northampton. ” Wellesley said the buy-to-let market was also buoyant, as investors were still managing to make returns of up to 10% on houses of multiple occupancy. ...
Is your house in a British boom town? Best price growth revealed as values rocket £85k image
.... . Last spring there was a stampede of buyers rushing to snap up property before stamp duty was increased for second homes, including buy-to-let. ...
Could Stamp Duty actually be AXED? Calls to BAN hated tax grow as housing crisis worsens  image
....It then increases in tiers to a maximum of 12 per cent on £1. 5million properties, with a 3 per cent surcharge on buy-to-lets and second homes. ...
I'm buying a flat as I'm separating – can I reclaim the higher stamp duty? image
....There will be no refund available to another reader currently renting a home but intending to buy somewhere for his family to live. Even though he is buying what will be his main residence, the fact that he already has a buy-to-let flat means he will have to pay the higher rate of stamp duty. ...
Half of landlords in one London borough fail to declare rental income image
Source : Guardian [Read Article] Sunday 13th of August 2017 01:04:01 PM
....The Treasury did not respond to a request for comment. HMRC’s Let Property Campaign was launched in 2014 amid concerns that up to 1m buy-to-let landlords are not declaring their rental income. ...
A tale of two housing markets: booming Burnley and stagnant Kensington image
Source : Guardian [Read Article] Saturday 12th of August 2017 03:00:48 PM
....5m per property. But agents around London say the market has been weighed down by higher stamp duty rates, changes in tax on buy-to-let properties, and Brexit. ...
Too much hinges on house prices: but Britain may yet avoid a crash image
Source : Guardian [Read Article] Saturday 12th of August 2017 03:00:47 PM
.... There are a number of reasons for the slowdown. The buy-to-let sector has gone cold since more a more stringent tax regime was introduced last year. ...
Have we gone too far in vilifying landlords? | Patrick Collinson image
Source : Guardian [Read Article] Saturday 12th of August 2017 06:00:37 AM
.... During the extraordinary rise of buy to let we have consistently pointed out its broader social impact, given a voice to groups such as Priced Out and Generation Rent, highlighted abusive practices by letting agents, tried (though not always successfully) to avoid a style of reporting in which house price rises are a good thing, and, more recently, campaigned against the exploitation of leaseholders by freeholders. But has the vilification of some landlords gone too far? Last week, we published the tale of one landlady who is quitting the buy-to-let market for a mix of reasons, including the new tax hikes. ...
Nationwide sounds note of caution over lending in run-up to Brexit image
Source : Guardian [Read Article] Friday 11th of August 2017 04:06:30 PM
.... He did not foresee any major changes to its approach to lending. The society was one of the first to tighten its criteria for buy-to-let mortgages 18 months ago. ...
Breakthrough in leasehold scandal, plus cash grabs by Student Loans Company image
....‘Political uncertainty’ blamed for slowdown in UK property market. Goodbye to buy-to-let: why I’m moving on after 13 years as a landlady. ...
'Political uncertainty' blamed for slowdown in UK property market image
Source : Guardian [Read Article] Thursday 10th of August 2017 05:01:28 AM
....”. In London, surveyors blame stamp duty, changes in tax on buy-to-let properties and Brexit for a sharp slowdown in the market. ...
Goodbye to buy-to-let: why I’m moving on after 13 years as a landlady image
Source : Guardian [Read Article] Saturday 5th of August 2017 05:59:04 AM
.... The tenant fees will probably be shifted to landlords. And, from this year, the government is reducing the amount of tax relief on buy-to-let finance costs such as mortgages, loans and overdrafts. ...
So estate agents are being replaced by robots? It’s about time | Rhiannon Lucy Cosslett image
....When you are a victim of this country’s housing crisis – and heaven knows there are millions of us – it can be hard to decide with whom to be most angry. Is it the successive governments who have failed to make home ownership an achievable ambition for much of my generation? The foreign investors who ramp up prices but leave their properties empty and unloved? The tenancy management companies that fail to listen to tenants’ concerns about safety and living conditions? The MPs who, because so many of them are buy-to-let landlords, won’t do anything to help those of us stuck in expensive rented accommodation?. ...
Unsecured consumer credit tops £200bn for first time since 2008 image
Source : Guardian [Read Article] Monday 31st of July 2017 08:55:04 AM
.... “With the current prudential regulatory focus on rising consumer credit, it is understandable that the FCA will also want to look closely at firms’ assessment of how customers can repay if economic circumstances change,” said Eric Leenders, head of personal lending. In its update on the UK credit market on Monday, Moody’s downgraded the outlook on bonds backed by credit card customers, buy-to-let mortgages and car loans. ...
Santander cuts back lending amid Bank of England concern over personal debt image
....Its total mortgage lending fell by £1bn to £11. 6bn in the first half of 2017 compared with 2016, with lending for buy-to-let down significantly. ...
Foxtons blames economic uncertainty as profits plunge by 64% image
Source : Guardian [Read Article] Thursday 27th of July 2017 09:25:24 AM
....Sales revenue crashed 29% to £22. 2m in the period, with Foxtons saying the performance was set against a surge in the first quarter last year, when transactions were brought forward ahead of the stamp duty surcharge on buy-to-let investments and second homes. ...
Secure your worldly wealth: Tips to make sure you pass your wealth to the right person image
.... “If you do charge interest the payments you receive are potentially subject to income tax,” he warns. If giving children assets, such as shares or a buy-to-let property, you could be liable for CGT on any profits when disposing of them. ...
REVEALED: The surprise area in Britain seeing bumper house price rises of 7.5% image
....6 per cent. Experts say the capital has been hardest hit by changes to stamp duty and buy-to-let tax changes. ...
'Locals get first dibs': the Manchester flats banning foreign investors image
.... “One estate agent we spoke to was quite pissed off when he found out we were going to disrupt their business model, which is selling things abroad, wholesale,” said Higgins. Some local developers, such as Knight Knox, have a business model based largely on selling apartment blocks to buy-to-let investors overseas. ...
Is paying off the mortgage a better bet than saving? image
Source : Guardian [Read Article] Thursday 13th of July 2017 06:00:00 AM
....To do this you need to know how much rent you could get each year and then subtract costs such as mortgage repayments (you’re unlikely to be able to buy a property outright), maintenance costs and possible agent’s fees. Divide this figure by your buying costs – including your cash deposit, legal fees and the higher rate of stamp duty land tax that you pay on buy-to-let properties – and multiply the result by 100 to get the percentage yield. ...
PENSION WARNING: Savers accessing pots early falling into ‘disastrous’ tax trap image
....”Experts said the study shows a worrying future for many people using pension freedoms. Jon Greer, head of retirement policy at Old Mutual Wealth said: “Over half of customers are taking their retirement savings and investing in something else, like an Isa, cash, buy-to-let or fixed-term deposit. ...
House price pick-up allays fears of property market crash image
Source : Daily Express [Read Article] Sunday 9th of July 2017 03:37:00 PM
....”. Osborne’s 3 per cent stamp duty surcharge on buy-to-lets and second homes has reduced demand from that quarter, although it has given hope to first-time buyers, who are edging back into the market. ...
Trouble in the Dales as holiday homes become the new buy-to-let image
Source : Guardian [Read Article] Saturday 1st of July 2017 06:00:06 AM
....Bainbridge is one of the prettiest villages in the Yorkshire Dales, with its wide open village green, ancient stocks and shady trees. But it is also at the heart of what many expect to be the next boom in property investment, as speculators deterred from traditional buy-to-let by new taxes and lending criteria pour into holiday lets instead. ...
London house price growth slows as rest of UK bounces back image
Source : Guardian [Read Article] Wednesday 28th of June 2017 09:37:05 AM
....”. Gardner said a number of factors might explain the sharp slowdown in London, including a stretch in affordability and weaker demand for buy-to-let properties because of higher stamp duty charges. ...
Tenant fees ARE a rip-off, says letting agent that welcomes ban  image
Source : Daily Express [Read Article] Monday 26th of June 2017 02:47:00 PM
.... The Association for Residential Letting Agents (ARLA) this week said landlords stand to lose £300million from the Government's ban, which is likely to be recouped from tenants. David Cox, chief executive, ARLA Propertymark said: “A ban on letting agent fees will cost the sector jobs, make buy-to-let investment even less attractive, and ultimately result in the costs being passed on to tenants. ...
Life swap … landlords are being given the chance to live like their tenants image
.... Though relatively young, single and hard-working he can rarely afford a night out. His buy-to-let landlords are young Londoners Dan and Jamie who have snapped up 14 cheap homes in the north-east. ...
Buy-to-let UK property sales fall by almost 50% in a year image
Source : Guardian [Read Article] Thursday 22nd of June 2017 05:45:48 PM
. The number of properties bought by landlords has almost halved in a year after a tax and regulatory clampdown, prompting a leading banking body to downgrade its forecasts for buy-to-let lending in 2017 and 2018. ...
House sales have fallen by nearly a third in some parts of UK, says Lloyds image
.... Lloyds said the average cost of moving home is £11,000 in England and Wales, rising to £31,000 in London. The long buy-to-let boom may also have fundamentally changed the dynamics of the property market. ...
Foreign investors snapping up London homes suitable for first-time buyers image
. Foreign investors are buying up thousands of homes suitable for first-time buyers in London, using them as buy-to-let investments and often holding them in offshore tax havens, research for the London mayor, Sadiq Khan, has revealed. ...
Advertisers should follow Vodafone's lead after Facebook and Google failures | Nils Pratley image
....Shawbrook is the challenger bank that has been a challenging investment at times for its shareholders. Floated at 290p in 2015, the shares fell as low at 130p a year ago after the referendum result – Brexit was deemed by the market to be unhelpful for UK buy-to-let lenders. ...
Yes, house prices are falling: but they probably won’t fall quickly image
.... While London prices reflect an international market, in towns and cities elsewhere they must be supported by local UK incomes, which are currently static at best. Crucially, we are also seeing the end of the buy-to-let landlord as the marginal buyer of virtually every new one- or two-bed flat to come on to the market. ...
Peer-to-peer lending promised 6%, but I’ve been left red-faced and in the red image
.... Kuflink has five deals listed on its site for periods of six and nine months, paying between 6% and 7%. Landbay It invests in buy-to-let mortgages with terms of up to 10 years. ...
Nationwide profits drop 18% as it shields savers from interest rate cuts image
....Competition in the mortgage market also dented profits. Nationwide is the UK’s second-largest mortgage lender and while its total mortgage lending rose 3%, its buy-to-let lending fell by 36% after last year’s move to toughen the terms on which it would lend to landlords. ...
Further signs of UK property slowdown in April image
Source : BBC [Read Article] Tuesday 23rd of May 2017 10:32:02 AM
...."Mortgage figures have nosedived following a strong first quarter, with every single region experiencing a notable slump in sales," said John Driscoll, director at Equifax Touchstone. "Government measures to cool buy-to-let property sales, including the phased cuts to mortgage interest tax relief which started on 1 April, have no doubt played a role in diminishing sales figures last month. ...
Buy-to-let millionaire who bans 'coloured' people faces legal action image
Source : Guardian [Read Article] Wednesday 17th of May 2017 02:20:13 PM
. The equality watchdog has begun formal legal action against buy-to-let mogul Fergus Wilson after he told his letting agent to ban “coloured” tenants because they left curry smells in his properties. ...
Buy-to-let slump after stamp duty change image
Source : BBC [Read Article] Wednesday 17th of May 2017 09:57:25 AM
. Mortgage activity in the UK buy-to-let sector has halved since the introduction of a stamp duty surcharge, figures show. ...
How to be on the winning side as mortgage war hots up image
Source : Guardian [Read Article] Monday 15th of May 2017 06:00:37 AM
....”. In April, the first of a series of tax rises came in that increased costs for landlords with buy-to-let mortgages. ...
Surveyors predict 'flat summer' in housing market image
Source : BBC [Read Article] Wednesday 10th of May 2017 11:35:58 PM
....". He also said that tax changes for buy-to-let investors were likely to mean that rents will continue to rise faster than house prices, in the near future as well as further ahead. ...
Dropping UK house prices won't dent our confidence in buy-to-let image
Source : Independent [Read Article] Wednesday 10th of May 2017 09:59:46 AM
...
Related to :
London rents fall for first time since 2009 amid post-Brexit vote slowdown image
....The falls in London and the south-east followed many years in which rent increases have outstripped earnings, leaving many tenants in the capital handing over 50% to 60% of their take-home pay to landlords. Further declines in rent will put additional pressure on buy-to-let landlords to quit the market. ...
Buy a home, get a car free: offers galore as London estate agents struggle to sell image
.... Rents in London have fallen sharply, with new tenants in the capital typically paying almost £100 a month less than their counterparts a year ago. The average monthly rent in the capital dropped from £1,297 a year ago to £1,203 in March 2017, said Your Move, which publishes a regular buy-to-let index. ...
House prices fell again in April, Nationwide says image
Source : BBC [Read Article] Friday 28th of April 2017 07:25:06 AM
....". Last week, the Council of Mortgage Lenders (CML) said the UK's housing market was in "neutral gear", with a shift towards first-time buyer and remortgage customers, away from home movers and buy-to-let landlords. ...
London rents fall sharply as monthly bill drops across UK image
Source : Guardian [Read Article] Friday 28th of April 2017 06:01:03 AM
....Rents in London have fallen sharply, with new tenants in the capital typically paying almost £100 a month less than their counterparts a year ago, according to a major lettings agency. London has seen a “sharp fall” in rents over the last 12 months, with the average monthly amount paid dropping from £1,297 a year ago to £1,203 in March 2017, said Your Move, which publishes a regular buy-to-let index. ...
As first-time buyers, can we take out a buy-to-let mortgage? image
Source : Guardian [Read Article] Thursday 27th of April 2017 06:00:09 AM
.... But that would work in your favour because your joint income of £40,000 would be taken into account, which would improve your chances of getting a mortgage of £140,000. However, as you are looking at a buy-to-let mortgage because you won’t be living in the property you buy, the answer could be, yes, your partner might be able to get a mortgage, but again it would have to be in joint names if you are to be joint owners of the property. ...
Santander chief warns on 'changeable' UK economy image
Source : BBC [Read Article] Wednesday 26th of April 2017 10:31:49 AM
....Santander UK's mortgage lending fell after withdrawing cheaper deals in the previous three-month period. First-quarter figures a year earlier were also flattered by a flurry of buy-to-let borrowers aiming to beat April's stamp duty increase for second homes. ...
Millions rethink their investment plans and move away from buy-to-let property image
Source : Daily Express [Read Article] Wednesday 26th of April 2017 12:01:00 AM
....Millions of ordinary people who hoped to buy a rental property to underpin their retirement income have been forced to rethink their plans. So is buy-to-let dead and if so, what are the alternatives?. ...
Asking prices for homes rise to record average of £313,655 image
Source : Guardian [Read Article] Monday 24th of April 2017 06:00:04 AM
....Miles Shipside, director of Rightmove, said there were signs of a “strong spring market”, which should help to offset any jitters in the market before the general election on 8 June. The first-time buyer sector was driving the price increases, Rightmove said, after changes to previously generous tax rules deterred buy-to-let investors from competing for similar homes. ...
Low rates, tight margins: the mortgage market looks worryingly familiar image
....First-time buyers are snapping up these offers, probably in many cases with financial support from their parents, to gain their first foothold on the property ladder. A hole in the market has also been carved out for them: new rules imposed on buy-to-let landlords have removed many of the tax benefits they previously enjoyed, pushing them out of the market. ...
Buy-to-let slump puts first-time buyers in the driver’s seat image
Source : Guardian [Read Article] Saturday 22nd of April 2017 05:59:06 AM
....4bn, down 19% on the year before, almost entirely due to landlords withdrawing from the market. A double whammy of tighter Bank of England lending rules, which have forced banks and building societies to insist on greater rental cover and higher deposits, plus new taxes on rental income, has made buy-to-let far less financially attractive. ...
Record low rate signals mortgage battle image
Source : BBC [Read Article] Friday 21st of April 2017 09:48:53 AM
.... . The exception was a surge to 173,860 in March last year, ahead of the introduction of a 3% stamp duty surcharge on the purchase of any additional buy-to-let properties or second homes. ...
Yorkshire Building Society launches record low 0.89% mortgage rate image
Source : Guardian [Read Article] Thursday 20th of April 2017 11:01:02 PM
....9bn but lower than the figure for March 2016. Mohammad Jamei, the CML’s senior economist, said there had been a shift in lending towards first-time buyer and remortgage customers in recent months, and away from home movers and buy-to-let landlords. ...
Tenant charged £835 … to scribble a new name on a contract image
Source : Guardian [Read Article] Saturday 15th of April 2017 06:00:17 AM
....1%) are supposed to ever save for a deposit to buy their home is entirely beyond me. Never has one generation (buy-to-let landlords) been more successful in stitching up another (today’s millennials). ...
Estate agents struggling to find homes to sell, says report image
Source : Guardian [Read Article] Wednesday 12th of April 2017 11:01:10 PM
.... Rics said an overall balance of 3% more surveyors saw a fall in agreed sales rather than an uplift last month. The decline in activity is in part caused by buy-to-let landlords deserting the market ahead of new taxes that began on 6 April. ...
Landlord tax changes come into effect TODAY: 'Renting will be more expensive', say critics image
....Shaun Church, director at Private Finance, said: “By hitting landlords’ profits, the changes may ultimately make it even more difficult for prospective first-time buyers to get on to the housing ladder. "With fewer landlords investing in new buy-to-let properties at a time of already restricted housing supply, and rental demand remaining high, this too could result in higher rents. ...
Tax relief cut doesn’t add up for landlords, plus Bank warns over consumer credit image
....Few fathers can afford to take shared parental leave, say campaigners. Mortgage tax relief cut doesn’t add up for buy-to-let landlords. ...
Inheritance tax rules changes 2017: Don’t get caught out – what it means for YOU image
....Estates valued at more than £2 million will have the RNRB tapered away. Properties left in trusts will not be eligible, nor will buy-to-let homes or other properties that are not a main residence. ...
The property billboards that reveal the truth about Britain’s luxury housing market image
.... In Salford Quays, the first of four 26-storey barcode-striped towers is fast rising out of the ground, but there is no marketing suite in sight. The 1,100-flat “X1” scheme is aimed specifically at buy-to-let investors who will likely never even visit, hence the build quality and the towers’ tacky grey livery in keeping with the Carbuncle Cup-winning MediaCityUK complex nearby. ...
Mortgage tax relief cut doesn’t add up for buy-to-let landlords image
Source : Guardian [Read Article] Saturday 1st of April 2017 06:00:17 AM
. Today will see two of buy-to-let landlord Jamie Brewis’s tenants – a couple in their 60s – having to move out of the bungalow that has been their home for the past four or so years. ...
There’s no dodging death – but inheritance tax relief could save £1m image
.... If the deceased owned more than one home, their personal representatives can nominate which one should qualify for the RNRB. Any property the dead person owned but never lived in, such as a buy-to-let or one in a discretionary trust, is not eligible. ...
UK banks asked to draw up plans to show they are prepared for Brexit image
Source : Guardian [Read Article] Monday 27th of March 2017 09:26:41 AM
....Last year banks had £19bn of impairments on credit cards, compared with £12bn on mortgage loans. Consumer credit now poses a greater risk than buy-to-let lending to landlords, which has cooled over the past year. ...
The death of the mortgage salesman is unfortunately premature image
Source : Guardian [Read Article] Saturday 25th of March 2017 07:00:03 AM
....25%, which means they make a total of around £1,300 from you. On buy-to-let mortgages the commission rates paid by the banks and building societies are higher, usually around 0. ...
Is an Isa the best home for your nest egg? image
Source : Guardian [Read Article] Saturday 25th of March 2017 07:00:03 AM
.... There are a host to choose from, but there is no protection if it all goes wrong and the lender defaults – although the rates are very attractive. LandlordInvest, which lets people invest in residential buy-to-let mortgages and bridging loans, is holding out the prospect of returns of up to 12%. ...
Do I need to fill out a tax return if I buy to let without a mortgage? image
Source : Guardian [Read Article] Thursday 23rd of March 2017 07:00:05 AM
.... It is highly likely you will be asked to fill in a self-assessment tax return, but you won’t have to do that until after the end of the tax year in which your sister started paying you rent. The fact that you won’t have a buy-to-let mortgage doesn’t make any difference to the requirement to register for self-assessment, nor does the fact that you plan to use the rent from your sister to pay part of your rent. ...
Eight tax changes savers should watch out for from April 2017 image
Source : Daily Express [Read Article] Tuesday 21st of March 2017 01:47:00 PM
....       Tax hikes for landlords. Mr Cox said: “Under current rules anyone who has taken out a loan such as mortgage to purchase a buy-to-let property can deduct all of the interest paid on the loan from rental income in order to reduce their income tax liability. ...
Five-minute guide to…The resurgence of first-time buyers image
Source : Daily Express [Read Article] Sunday 19th of March 2017 12:01:00 AM
. They have been helped by record low mortgage rates, while competition from buy-to-let landlords has dipped following the Government’s tax onslaught. ...
Landlord tax: How to beat new buy-to-let charges coming in NEXT month  image
Source : Daily Express [Read Article] Friday 10th of March 2017 04:44:00 PM
....”It comes after investors were last year hit with an extra three per cent in stamp duty on second properties. Another option to avoid new charges is to invest in buy-to-let without directly owning property, through peer-to-peer (P2P) property companies such as Landbay and Lendinvest. ...
‘Our ability to save is non-existent’ – people respond to UK budget image
.... He runs his own property development company, Haverbridge Homes and, as a 45% rate taxpayer, will pay about £1,000 more tax on his company dividends as a result of the changes. Outside his business, he has invested in 21 buy-to-let properties, in and around his hometown of Upminster, Essex. ...
Buy-to-let landlords face huge tax increase from new law image
Source : Daily Express [Read Article] Sunday 5th of March 2017 12:01:00 AM
....Osborne also ditched rules allowing landlords to claim a 10 per cent tax break for “wear and tear”, only letting them deduct the costs they incur. Now buy-to-let could be blown away for good, hurting thousands of older savers who were planning to buy a rental property to bolster their pension income. ...
Seven things we already know will happen in the 2017 spring budget image
Source : Guardian [Read Article] Saturday 4th of March 2017 06:59:08 AM
....The benefit cap – the total amount you can claim – was reduced in November from £26,000 to £23,000 in London, with a cap of £13,400 for single adult households outside London without children. 6 Buy-to-let There are big and complex changes for people with buy-to-let mortgages in April, which for some will see their tax bill double or even triple. ...
UK house price growth at slowest rate in four years image
Source : Guardian [Read Article] Monday 20th of February 2017 07:01:30 AM
....”. Rightmove said the housing market was boosted in early 2016 by “frenzied” buy-to-let investors who rushed to complete transactions before new stamp duty rules were introduced in April, making this year look subdued by comparison. ...
A new Isa is offering tax-free returns of 12% – so what’s the catch? image
Source : Guardian [Read Article] Saturday 18th of February 2017 07:00:33 AM
....5% over five years. Others offering Isas include LandlordInvest, which lets people invest in residential buy-to-let mortgages and bridging loans, and is holding out the prospect of returns of “up to 12% per annum”; and LendingCrowd, which matches investors with small and medium-sized businesses seeking loans, and is offering a “target rate of return of 6% a year”. ...
Will we pay higher stamp duty on a buy-to-let property? image
Source : Guardian [Read Article] Thursday 16th of February 2017 11:10:19 AM
.... There is a mortgage on this property, which will be rented out once it has been renovated. We are thinking about jointly buying another buy-to-let house but won’t need a mortgage to do that. ...

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