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  • House building pledges in the Green Party manifesto
    Calculator Research Case Studies Complex Buy to Let Index Buy to Let Mortgage Product Index Buy to Let Mortgage Costs Index Limited Company Buy to Let Index Property Investor Survey Money Markets FAQs FirstRate MFB TV Helping brokers with Buy to let mortgages Commercial mortgages Property development finance Bridging short term finance Case processing BrokerBusiness Case Studies Consulting Buy to Let Lending Mortgage Flow Published Research News Insight Buy to let mortgages Commercial Mortgages Property Development Finance Bridging Short Term Finance Residential Mortgages About Meet the team Our approach Awards Testimonials Careers Contact us 0845 345 6788 Share News Insight House building pledges in the Green Party manifesto 05 05 15 Written by Steve Olejnik Houses and flats are now sites of speculation rather than simply somewhere to call home The Green Party wants Britain to return housing to its original purpose providing everyone with affordable and sustainable shelter Here s what its manifesto says with regard to house building Ensure that development is more evenly distributed nationwide thus reducing pressure on the South East It doesn t say how this will be achieved Where ever possible re use previously developed sites that have fallen into disuse This would reduce encroachment onto greenfield land Get more homes built by small and medium sized builders and community led cooperatives To achieve this the Greens would break up the big builder cartels bring more transparency to the land market transfer public land into community land trusts and use the Custom Build model to re parcel regeneration sites into smaller plots Increase the social housing budget from 1 5Bn per year to 6Bn per year before the end of the next Parliament in order to provide 500 000 social rented home of high sustainability standards The manifesto does not say where this extra

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/may/house-building-pledges-in-the-green-party-manifesto/ (2016-02-16)
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  • House building pledges in the Labour Party manifesto
    Fees How to apply Types of mortgage Residential Stamp Duty Calculator Research Case Studies Complex Buy to Let Index Buy to Let Mortgage Product Index Buy to Let Mortgage Costs Index Limited Company Buy to Let Index Property Investor Survey Money Markets FAQs FirstRate MFB TV Helping brokers with Buy to let mortgages Commercial mortgages Property development finance Bridging short term finance Case processing BrokerBusiness Case Studies Consulting Buy to Let Lending Mortgage Flow Published Research News Insight Buy to let mortgages Commercial Mortgages Property Development Finance Bridging Short Term Finance Residential Mortgages About Meet the team Our approach Awards Testimonials Careers Contact us 0845 345 6788 Share News Insight House building pledges in the Labour Party manifesto 05 05 15 Written by Steve Olejnik The Labour Party manifesto says that insufficient houses are being built young people have been priced out of home ownership and homelessness is rising Here s how Labour plans to overcome these issues Ensure at least 200 000 new homes a year are built by 2020 with first priority for local first time buyers Create a 5Bn Future Homes Fund by investing the billions of pounds saved in the Help to Buy ISAs to increase housing supply Give local authorities the power to force developers with land to use it or lose it This will mean an end to the practice known as land banking Increase support for small builders including through the Help to Build scheme Encourage the public sector to get building again Build more affordable homes by prioritising capital investment for housing and by reforming the council house financing system Within the manifesto itself there is not much detail on how these pledges will be achieved however it does refer readers to the recommendations of the Lyons Review an independent Labour commissioned

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/may/house-building-pledges-in-the-labour-party-manifesto/ (2016-02-16)
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  • House building pledges in the LibDem Party manifesto | Mortgages for Business
    15 Written by Steve Olejnik The Liberal Democrats want to speed up house building and stop house prices from slipping further away from the reach of families Here s how their manifesto says this will be achieved Increase house building to 300 000 new homes per year and in areas where the market fails to deliver government agencies will directly commission homes for sale and rent to the fill the gap This target will be reached via The creation of 10 new Garden Cities in areas of the country where homes are most needed and there is local support five of which will be created along a Garden Cities Railway between Oxford and Cambridge Additionally Local Authorities in rural areas will be encouraged to follow the principles albeit on a smaller scale A new government backed Housing Investment Bank will be established which will help to attract finance for major housebuilding projects and provide long term capital for major new settlements presumably the Garden Cities Compulsory Purchase legislation will be reviewed so that sites can be more readily assembled Development on unused unwanted public sector sites with Local Authorities given new powers to ensure development happens Currently there is no explanation of how this will be achieved instead the manifesto says the LibDems will tell us within the first year of the next Parliament However it does say that policies that promote home ownership will focus on new builds The manifesto recognises that house building cannot increase without changes to planning In this regard the LibDems intend to work with Local Authorities putting the LAs in the driving seat to facilitate an affordable local housing market This will involve longer term planning more detailed assessment of the types of housing needed and cooperation with neighbouring authorities Development on brownfield and

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/may/house-building-pledges-in-the-libdem-party-manifesto/ (2016-02-16)
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  • Buy to let mortgage deposits could prove hurdle for silver landlords | Mortgages for Business
    to let mortgage deposits could prove hurdle for silver landlords 05 05 15 Written by Steve Olejnik While more than half of retirees would consider buy to let investments to boost their income high deposits of nearly 43 000 could prove a difficult challenge to overcome According to Kensington 54 per cent of people aged over 40 years would consider buy to let as an option to increase their retirement pot but high deposits could stand in their way Looking at average flat and maisonette prices in England and Wales the firm found that the 25 per cent deposit needed for a first time landlord is around the 43 000 mark That level of investment could prove too high for many potential landlords especially those who are not prepared to invest more than the tax free lump sum that they can withdraw from their pensions Going above that level could mean that higher tax rates apply and thus prevent buy to let from being a viable option for new silver landlords Keen interest remains despite challenges Although high deposits could act as a potential deterrent to those contemplating entering the market Steve Griffiths Head of Sales and Distribution at Kensington still described the outlook for the buy to let sector as bright He suggested that further growth is likely but stressed the need for those interested in buy to let to seek advice from brokers especially given the high levels of funds needed for a deposit According to the poll potential investors believe not achieving comfortable returns to be the biggest risk relating to buy to let investments using a pension fund Almost half 47 per cent revealed they had fears around not achieving their desired level of income while 42 per cent were worried they may run out of

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/may/buy-to-let-mortgage-deposits-could-prove-hurdle-for-silver-landlords/ (2016-02-16)
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  • Fixed rate buy to let mortgages are best bet for landlords | Mortgages for Business
    Short Term Finance Residential Mortgages About Meet the team Our approach Awards Testimonials Careers Contact us 0845 345 6788 Share News Insight Fixed rate buy to let mortgages are best bet for landlords 01 05 15 Written by Jenny Barrett A record 839 different buy to let mortgage products were available in the first quarter of this year new research from Mortgages for Business has shown The Buy to Let Mortgage Costs Index Q1 2015 revealed that the products were available via 31 lenders with 21 more products available than in the final quarter of 2014 While the quarterly rate of growth fell slightly going into 2015 the overall trend is still directed upwards with an increase in product numbers reported across all loan to value bands Fixed rate buy to let mortgages offer best value Trends from the final quarter of 2014 became more pronounced at the start of 2015 as fixed rate buy to let mortgage deals were offered at lower rates than their tracker equivalents Two year fixed rate mortgages were 0 5 per cent cheaper than buy to let tracker mortgages with the difference in figures greatest with a low loan to value High loan to value mortgages were still better value with a fixed rate term rather than on a tracker but the difference in figures was narrowed Three and five year fixed rates were also similarly priced to equivalent tracker products Landlords opt for longer terms As a result Mortgages for Business believe fixed rate buy to let products at two three and five year offers better value than tracker products for landlords The report claims the spread in cost between low and high loan to value deals has stabilised to between 1 5 per cent and two per cent compared to one per

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/may/fixed-rate-buy-to-let-mortgages-are-best-bet-for-landlords/ (2016-02-16)
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  • Important costs for buy to let landlords to consider | Mortgages for Business
    Share News Insight Important costs for buy to let landlords to consider 30 04 15 Written by Jeni Browne As research reveals many landlords underestimate the cost of buy to let we outline the main factors that must be taken into account According to Platinum Property Partners around one in eight landlords fail to consider additional expenses that could be related to their buy to let property This oversight can add 8 359 to the average buy to let property with the figure including aspects such as letting agent fees maintenance repairs marketing fees and mortgage interest Accurately measuring returns Platinum Property Partners suggests landlords are overestimating potential returns by as much as 50 per cent by omitting these figures claiming return on investment and return on equity calculations are the best ways to measure their buy to let performance These methods take gross profit capital gains and running costs into account but the firm stressed that void periods also need to be considered A property will not return finances in the form of rents when it is not occupied yet only 12 per cent of landlords currently factor them into their calculations Becoming a landlord isn t a walk in the park and running a successful portfolio takes continued investments of time and money on top of your initial lump sum explained Platinum founder Steve Bolton Key costs to consider The research found that 52 per cent of landlords do not take the cost of repairs into account despite 90 per cent of them paying an average of nearly 400 per home to solve such issues Some 63 per cent didn t take the cost of letting agents into account while 77 per cent discounted the costs of refurbishment and decorating factors which add an average of 830 in

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/april/important-costs-for-buy-to-let-landlords-to-consider/ (2016-02-16)
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  • Landlord confidence soars as buy to let mortgage repayments reduce | Mortgages for Business
    soars as buy to let mortgage repayments reduce 29 04 15 Written by Steve Olejnik More than one fifth of British landlords enjoyed cheaper mortgage repayments over the past year while 18 per cent expanded their property portfolio in response to growing market confidence Data from Reeds Rains and Your Move has shown that 18 per cent of landlords have already expanded their portfolios in the past year while 25 per cent plan to purchase more homes in the next 12 months This figure is up from 22 per cent last September signalling a rise in confidence among buy to let investors and landlords As a result 60 per cent of landlords believe that it is a good time to invest in buy to let property up from 54 per cent who said the same in September 2014 An attractive proposition Buy to let is currently viewed as offering better capital returns when compared to other investment options by 54 per cent of landlords while 40 per cent believe current market conditions mean property is available at more attractive prices Opportunities for investment and portfolio growth are enhanced by the fact nearly a quarter of landlords reported that their buy to let mortgage payments have become cheaper in the last 12 months The proportion of landlords who thought these payments were becoming more expensive almost halved in the same period from 39 per cent to 21 per cent This highlights the high levels of confidence currently being displayed in the industry while access to funding and cheap financial options has also encouraged landlords to invest These figures come against a backdrop of declining annual rent growth Landlords expect growth to slow to 1 7 per cent in the coming year although figures from the latest landlord sentiment survey from Your

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/april/landlord-confidence-soars-as-buy-to-let-mortgage-repayments-reduce/ (2016-02-16)
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  • Index reveals strong growth in rents and returns for buy to let | Mortgages for Business
    0845 345 6788 Share News Insight Index reveals strong growth in rents and returns for buy to let 28 04 15 Written by Jeni Browne Landlords in England and Wales now enjoy total annual returns of 12 2 per cent or 21 078 as the buy to let sector thrives Data from Your Move and Reeds Rains has revealed average rents in March this year were just 2 below the all time record high of 770 recorded in October 2014 It means rents are up 3 9 per cent annually and 0 3 per cent on a monthly basis a fact which has helped to drive up potential returns for buy to let landlords and investors Strong rental yields Gross rental yields on a typical property in England and Wales stood at five per cent in March showing no fluctuation from a month previously This figure was down marginally on the 5 1 per cent seen in March 2014 This data is broadly in line with that of the Complex Buy to Let Index Q1 201 5 published by Mortgages for Business When costs such as mortgage repayments and maintenance were not included total annual returns on an average rental property were 12 2 per cent across the 12 months to March 2015 This compares to 11 4 per cent for the year to February 2015 and is considerably higher than the 10 8 per cent returns that were possible one year ago In absolute terms it means buy to let landlords have seen an average return of 21 078 in the last 12 months comprised of 8 259 in rental income and capital gains of 12 819 Outlook remains positive The index also explained that if current trends continue for another 12 months then an average return of 14

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/april/index-reveals-strong-growth-in-rents-and-returns-for-buy-to-let/ (2016-02-16)
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web-archive-uk.com, 2017-12-16