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Found 11 results

  1. The proposed taxation change to the relief given on BTL finance costs announced in the Summer Budget, together with potential macroprudential action by the Financial Policy Committee to reduce risks emanating from BTL lending, could lead to fundamental changes in the BTL lending market over the next few years. I've therefore started this thread so that we can monitor trends in BTL mortgage financing. Items are interest are (for example) changes in the levels of BTL lending on lenders' balance sheets, average LTVs of the BTL mortgage book, arrears and non-performing loans, mortgage rates, und
  2. "Struggles of the landed gentry" An unprecidented boom in "buy-to-let" investments is coming to an end. It was good while it lasted, but the golden age of the amateur landlord may be over. https://www.economist.com/news/britain/21732481-new-regulations-and-cooler-market-are-causing-landlords-sell-up-britains-buy-let-boom
  3. Hi I am reading los of confusing things about the future of BTL. Can someone tell me once and for all if it is true that tax will be applied to income, rather than profit, from 202? Various online articles claim that after 2020 everyone's tax bills will go up because they will have to pay tax on the entire rent received. However my tax adviser keeps telling me that there are no changes planned and I will still be able to claim relief and only pay tax on net profit! Which is correct? Also, if my advisor is wrong and I will have to pay tax on full rental income, my plan wou
  4. Hi I am reading los of confusing things about the future of BTL. Can someone tell me once and for all if it is true that tax will be applied to income, rather than profit, from 202? Various online articles claim that after 2020 everyone's tax bills will go up because they will have to pay tax on the entire rent received. However my tax adviser keeps telling me that there are no changes planned and I will still be able to claim relief and only pay tax on net profit! Which is correct? Also, if my advisor is wrong and I will have to pay tax on full rental income, my plan wou
  5. Hi I am seriously considering investing in a property in a city in Europe where there is a year-round demand for visitor accommodation, and also where there appears to be scope for capital appreciation. I intend my maximum outlay to be no more than £60,000. My intention is to let the property out as short-term visitor accommodation, and the ultimate objective being long-term capital appreciation. I would put management of the property in the hands of a local management company who would be responsible for furnishing and maintaining the property; collecting payment; and handling reservations.
  6. Briefly, a work colleague is in the process of selling his house and the buyer, a cash buyer agreed a price that was near enough the same as the asking price. The buyer has contacted my colleague to say that he is going to have to withdraw his offer as he can no longer afford it. Apparently, the buyer was unaware of the stamp duty changes for second homes! There were loads of people interested at first and it is actually a really nice house, but it seems all of the potential buyers have rapidly evaporated! Meanwhile, my landlord is selling up and I am seeing prices already starting to slide i
  7. As some of you may know Im a handyman (as well as a LL grrrrrr!) and 90% of my work comes though letting agencies .Im seeing an increasing amount of landlords selling as new rules with water testing,smoke alarms and carbon monoxide alarms are filtering down and costing them,Im doing more and more light refurbs to sell the property rather than paint one room and re let it ,the general feel is its going to get a lot harder to rent properties,the next 18 months will be interesting!
  8. Consultation opened today. Have only briefly scanned. Report includes analysis of buy to let market. Anybody in the know over what this will mean for buy to let? http://www.theguardian.com/money/2015/dec/17/bank-of-england-given-powers-rein-buy-to-let-market https://www.gov.uk/government/consultations/consultation-on-financial-policy-committee-powers-of-direction-in-the-buy-to-let-market/financial-policy-committee-powers-of-direction-in-the-buy-to-let-market#the-buy-to-let-market
  9. http://www.theguardian.com/money/2015/nov/11/buy-to-let-mortgages-cml-lending-landlords-loans Guardian article stating that number of buy to let mortgages still at a high level, even after summer budget. Fascinating really, I would have assumed that the tax changes and general signalling that landlords were coming under increasing scrutiny would be dampening enthusiasm among new entrants. I wonder if these people have thought it through, are not planning on being highly leveraged or if they just haven't taken the changes into account.
  10. Just done my daily rightmove check and in my town (semi-rural North Yorkshire) there are a LOT of buy to let properties coming on. Some vacant, some with "sitting tenants". It is remarkable how many have come on over the few days. I can only imagine that many landlords have already had enough and are looking to bail out while they can still make a profit! It's hard to see many new entrants going into, unless they are cash buyers. You'd have to be certifiably nuts to go into BTL with borrowed money now! With all the other changes being talked about and the fact that landlords are now seen as
  11. I am desperately in favour of a mansion tax, but surely it should apply to the total value of your property portfolio, including any buy to lets. It would be a great way to generate some money from fat cat landlords, and very few people would complain. Such landlords could not just raise rents to compensate because there would be plenty of other landlords who would not have to pay the tax, so tenants would be protected from landlords just passing on the costs en masse. They should then plough 100% of the money into building affordable housing (social rent or open market)... Should raise a lo
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