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The Colour

Happy 10th Birthday Btl!

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This summer marks the 10th anniversary of the buy-to-let mortgage, the loan that has made landlords of investment bankers, teachers and plumbers alike.


When buy-to-let emerged, mortgage providers typically demanded that the rent was 130-150 per cent of the mortgage interest payments to give a cushion for void periods and maintenance costs. They are now much more lenient, with some happy to lend at just 100 per cent rental cover. There are concerns that if interest rates rise, these lower levels of rental cover could cause problems for some investors, potentially forcing them to sell properties.

Hell Yes

Recent research by Bradford & Bingley showed that the average property portfolio has increased from three per landlord in 1996 to seven this year.

Seven per landlord??? Damn

We really are seeing the emergence of a new land-owning class.

Fairly bullish article just the same....

Edited by The Colour

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  • 301 Brexit, House prices and Summer 2020

    1. 1. Including the effects Brexit, where do you think average UK house prices will be relative to now in June 2020?

      • down 5% +
      • down 2.5%
      • Even
      • up 2.5%
      • up 5%

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