Investment Property Mortgages UK

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Investment Property Mortgages UK – Guide for Advisers | Helping clients secure the right investment property mortgage is key to supporting long-term wealth growth. Whether you’re advising on a single buy-to-let, an HMO conversion, or a whole-portfolio refinance, understanding lender expectations and structuring the deal correctly are essential. This guide outlines the core mortgage options for […]

Consumer Duty

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Understanding Regulation in Buy-to-Let Mortgages and the Impact of Consumer Duty.  The regulation of buy-to-let mortgages has long been a topic of discussion within the mortgage industry. Liz Syms, CEO of Connect for Intermediaries, recently shared her insights on this issue in the buy-to-let section of the new Certificate Practitioner in Specialist Property Finance (CPSP). […]

Buy-to-let watch episode 9

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Buy-to-Let Watch Episode 9 | In the latest instalment of our series, Buy to Let Watch, we take a closer look at how specialist buy-to-let lenders support advisers when cases become more complex. This follows on from Episode 8, where we explored why lenders were optimistic in their efforts to stabilise the market during 2023. Navigating […]

Buy-to-Let Affordability

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Buy-to-let affordability is a key factor when securing finance for investment properties. Whether you’re a seasoned landlord or purchasing your first rental, understanding how lenders assess buy-to-let (BTL) affordability can make or break your mortgage application. Lenders don’t just look at your income; they assess whether the expected rental income can comfortably cover the mortgage, […]

Buy-to-let watch episode 08

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In the latest instalment of our Buy-to-Let Watch series, “Buy-to-Let Watch Episode 08”, we aim to provide our readers with fresh insights following the previous episode, “Buy-to-Let Watch Episode 07.”  Let’s start this episode, “Buy-to-let watch episode 8.” The buy-to-let (BTL) sector is grappling with the repercussions of a surge in mortgage interest rates, and specialised lenders […]

Exploring The Limited Company Options

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Exploring the limited company options | The buy-to-let mortgage market has undergone significant shifts in recent years, primarily driven by tax reforms and stricter regulatory requirements. As a result, more landlords and mortgage advisers are recognising the strategic benefits of limited company lending when structuring property portfolios. These changes have prompted lenders to evolve. Many […]

Limited Companies

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Limited Companies: Strategic Insights for UK Landlords.  In case you missed our previous discussions, explore these key topics: Top-Slicing, Let-to-Buy, andGreen Talk. Both offer essential insights for landlords navigating the evolving buy-to-let market. Tax-efficient strategies remain vital for landlords managing multiple properties. The UK buy-to-let market increasingly rewards those who adopt strategic, eco-conscious approaches. For this reason, our expert […]

EPC Rating

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EPC Rating | Many advisers know the ‘Minimum Energy Performance of Buildings Bill’ is currently being passed by parliament. This Bill aims to increase the minimum energy performance of buildings. It states that all domestic properties must have an EPC rating of at least C by 2035. The bill states that these measures will be […]

Top-slicing and Let-to-Buys

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Retention, innovative construction, top-slicing and let-to-buys are crucial areas for brokers to address gaps. Mortgage Solutions’ recent video discussed these topics, highlighting the evolving buy-to-let market. Participants emphasised that lenders must adopt progressive strategies to meet the dynamic demands of the real estate sector. They explored novel avenues to keep up with the changing landscape. […]

Buy-to-Let Watch Episode 7

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Buy-to-Let Watch Episode 7 | Following the insights shared in Buy-to-Let Watch Episode 6, where we explored the importance of investor strategy, this latest update, Buy-to-Let Watch Episode 7 | Market Insights for Landlords, offers further guidance for landlords and brokers navigating the evolving buy-to-let landscape. As discussed across our Buy to Let insights, energy […]