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03
NOV
2016

Annual house price growth slows to 4.6%: Nationwide

After fifteen successive monthly increases, UK house prices were unchanged in October, according to the latest Nationwide house price index. As a result, the annual rate of house price growth slowed to 4.6%, from 5.3% in September. Robert Gardner, Nationwide’s Chief...
28
OCT
2016

Best-buy Mortgages – 28 October 2016

See our current best-buy fixed-rate, tracker-rate, buy-to-let and re-mortgages. Contact me for a personalised illustration.
18
OCT
2016

Guiding landlords through the tax relief changes

TMW has developed a handy new guide to the tax relief changes for landlords for you to consider. The new guide can help you understand if you’ll be impacted by the changes being phased in from 6 April 2017. Also see the calculator we published on 21 September – click...
14
OCT
2016

Mortgage Best Buys

To see our weekly update of best-buy mortgages, click here…
21
SEP
2016

Buy to Let Tax Change Calculator

Tax relief changes for landlords are being phased in from April next year and could impact landlords’ profits. There’s an easy way to understand if you are affected – by using TMW’s simple calculator. Click the image to download tax relief calculator.
11
SEP
2016

BTL Landlords’ Confidence Stabilising

TMW has issued its Buy-to-Let Barometer for Q2 2016, which reveals that landlords’ confidence appears to be stabilising. It also indicates that: 43% see the Brexit vote as negative for the private rental sector. 61% believe that last year’s Budget will decrease their...
29
APR
2016

The Mortgage Works changes lending criteria for Buy-to-Let mortgages

The Mortgage Works is the first lender to tighten-up its lending criteria for buy-to-let mortgages following new guidance from the FCA. From 11 May the lender’s rental coverage requirement will increase from 125% to 145% and the maximum loan-to-value allowed will be reduced...
11
APR
2016

Exclusive BTL Report – Upcoming Tax Relief Changes

To help landlords and potential landlords to deal with the changes, Kent Reliance have collaborated with Ernst & Young LLP to produce an exclusive report that explains the changes and their potential impact. Click here to view
19
MAR
2016

Guide to Stamp Duty (SDLT) changes

Nationwide produces a useful guide to the Stamp Duty changes. Click here… Click here for detailed HMRC guidance.
16
MAR
2016

Chancellor confirms extra 3% stamp duty – and even ‘significant property investors’ can’t escape

Buy-to-let landlords have been dealt a new blow in the Budget after the Chancellor abandoned plans to exempt ‘significant investors’ from the extra 3 per cent stamp duty charges and snubbed them in a capital gains tax cut. From April, anyone purchasing an additional...
16
FEB
2016

BTL landlords’ confidence continues to decline

TMW has issued its Buy-to-Let Barometer for Q4 2015, which reveals that confidence is at its lowest over the past 8 years. It also indicates that: 13% intend to apply for new BTL mortgages before the Stamp Duty increases impact 41% are considering moving their BTL portfolios into...
05
JAN
2016

Newsletter – January 2016

January newsletter is now available. Click here… To subscribe for future issues, click here…
02
JAN
2016

More details emerge on BTL stamp duty increase

A consultation paper that was published by the Treasury this week, provided more clarity regarding the application of the increases announced in the Chancellor’s Autumn Statement. In particular, this covered the position of existing BTL landlords buying a new residential...
17
DEC
2015

Bank of England to get new powers on buy-to-let lending

The government is to consult on new powers to allow the Bank of England to rein in the buy-to-let mortgage market. In April this year, the Bank was given extra tools to control the residential mortgage market. Those powers could now be extended to limit borrowing by landlords who...
14
DEC
2015

Thousands of London flats to come back on to the market, estate agent says

Thousands of unbuilt flats and apartments could come back on to the London property market over the next two years as foreign investors seek to cut their losses, according to a new study. In their latest report on the residential market, researchers at estate agent Cluttons said...
12
DEC
2015

Is the buy-to-let bubble is set to burst?

Former Bank of England economist Rob Thomas, director of research at property consultancy group Instinctif, predicts that some landlords – especially those with big mortgage borrowings – could face ‘ruin’ as a result of the draconian taxation changes made to...
11
DEC
2015

Q3 BTL Barometer shows landlords’ confidence softening

Landlords’ confidence has softened as a result of the summer budget. It will be interesting to see how the recent tax changes impact on this.
03
DEC
2015

Chancellor’s buy to let taxes to trigger lending surge as landlords rush to incorporate

Radical changes to the tax treatment of landlords have already triggered a surge in landlords borrowing through companies, and further changes will follow the Autumn Statement, according to the third edition of Kent Reliance’s Buy To Let Britain report. The changes...
25
NOV
2015

Stamp duty to increase by 3% for BTL and second homes

George Osborne has announced a 3% increase in stamp duty for buy-to-let properties and second homes from April next year. Speaking during today’s Autumn Statement, he said that corporate property development would not be affected, and that the billion pounds raised by the...
03
NOV
2015

Mortgage News & Information – November 2015

Published and distributed my regular mortgage newsletter today. This issue’s focus is on articles supporting the need to use a mortgage broker, market news and lender updates. If you did not receive a copy, it can be viewed here – November 2015 Newsletter You can subscribe for...
12
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