Buy-to-Let and Holiday Let | An Insight for Advisers
The buy-to-let sector comprises properties in the private rented sector (PRS) financed by mortgages. It represents about a fifth of the UK’s total mortgage market and accommodates approximately 45% of private renters. In the UK, 19% of households rent privately, 35% own their homes outright, and 30% have mortgages. Moreover, 17% of households are social renters […]
Buy-to-Let Watch Episode 11 | Expert Mortgage Brokers
Buy-to-Let Watch Episode 11 | The Rise of Expat and Foreign Investor Buy-to-let Mortgages In The UK According to HMRC data, overseas buyers accounted for 1.4% of UK property transactions in the year ending March 2023. Although this figure appears small, it marks a significant 20% increase compared to the previous year. This upward […]
Landlords Bracing Sizeable Rise | A Buy-to-let Nightmare
Rising Mortgage Rates for Buy-to-Let Landlords In 2024, about 150,000 buy-to-let landlords are poised to see their mortgage payments jump as their fixed deals end. Data shows that 144,000 landlords will end their five-year agreements, facing higher rates when they remortgage. Current vs. Future Mortgage Rates Back in 2019, landlords enjoyed an average rate of […]
HMO Properties | An Insightful Guide To Property Investment
HMO Properties The acronym HMO, which stands for House in Multiple Occupation, is a specialised classification of residential properties. An HMO is a dwelling leased to three or more individuals not part of the same household. To put it into perspective, a trio of unrelated individuals cohabiting in a single property would meet the criteria […]
West One Can Finance HMOs | Connect Panel Specialist Lender
Get to know how West One can help your clients to finance a HMO:
West One | West One Can Finance HMOs With Up To 10 Bedrooms
As we reflect on this year, the UK HMO sector remains a strong performer in the Buy-to-Let market. Many experienced landlords are attracted to HMOs because of their potential for generating above-average rental yields. However, can first-time landlords successfully enter the HMO market with their first property? Surprisingly, the answer is yes. At West One […]
Buy-to-Let Watch Episode 10 | Connect Network
Buy-to-let watch episode 10 | An Extraordinary Long View of Short-Term Lets In the newest episode of our Buy-to-Let Watch series, “Buy-to-Let Watch Episode 10 | An Extraordinary Long View On Short-Term Lets,” we aim to provide our readers with the latest updates on regulatory changes related to short-term lets. This contrasts with the […]
Investment Property | Exclusive Guide to Buy-To-Let Mortgage
Investment Property Despite the UK Government’s policy changes challenging buy-to-let landlords, the market remains attractive. Many individuals can still acquire and offer additional properties for lease, thus diversifying their portfolios. Nevertheless, the evolving regulatory landscape hasn’t diminished buy-to-let’s appeal. Many factors contribute to its enduring attractiveness. Resilience Amid Regulatory Shifts: Despite policies that curb […]
Consumer Duty | Buy to Let Reveals Gap in Lending Education
Consumer Duty The question of whether buy-to-let mortgages are regulated has long been debated. Recently, Liz Syms, CEO of Connect for Intermediaries, addressed this matter while contributing to the buy-to-let section of the new Certificate Practitioner in Specialist Property Finance (CPSP). This qualification was developed by collaborating with the Financial Intermediary and Broker Association […]
Buy-to-let watch episode 9 | Tales of When BTL Gets Tricky
Buy-to-let watch episode 9 In the latest instalment of our Buy-to-Let Watch series, “Buy-to-Let Watch Episode 9 | The Extraordinary Tale of When BTL Gets Tricky,” we aim to provide our readers with the role specialised lenders play, following the previous episode, “Buy-to-Let Watch Episode 8 | Why Lenders Are Jubilant In Their Efforts.” […]
