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  • Report showcases diversity of rental sector | Mortgages for Business
    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 Report showcases diversity of rental sector 01 04 15 Written by Steve Olejnik Recent research has showcased how the private rental sector has changed since the early 2000s highlighting many different sub markets that now exist The real estate firm Savills used figures from the 2001 census and the latest English Housing Survey to show how the rental situation has developed in the UK In 2001 at the time of the census 10 per cent of households were privately rented a figure which grows to 19 in the most recent Housing Survey The Savills report adds that the rented sector is absolving pressure from a housing market which is supply constrained It claims that while national figures are great for highlighting overall market trends many sub markets now exist and these all feature people of different ages and requirements Renting isn t just for students and professionals The report suggests the private rented sector was traditionally full of students and young professionals but adds that many other groups are now choosing to rent as well It suggests tenants come from a wide range of backgrounds staying in an extensive set of different property types and with very varied earnings Those choosing to rent are not only more varied by age when compared to the start of the century but also work in an assortment of diverse job roles with some new categories of tenants including Foreign exchange students and expatriates Young professionals in shared accommodation Families with young children Migrant workers Pensioners For buy to let landlords and investors it is important to recognise that all of these groups may have

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/april/report-showcases-diversity-of-rental-sector/ (2016-02-16)
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  • Landlords could benefit from slackening house price growth | Mortgages for Business
    About Meet the team Our approach Awards Testimonials Careers Contact us 0845 345 6788 Share News Insight Landlords could benefit from slackening house price growth 31 03 15 Written by Jenny Barrett Annual house price growth slowed to 5 1 per cent this month potentially offering landlords more opportunities to expand their buy to let portfolios The rate of house price growth recorded in March dropped from the 5 7 per cent rate experienced in February to just 5 1 per cent figures from the Nationwide Building Society have shown Average house price growth has now slowed for seven consecutive months with the average price of a property sitting at 189 454 This puts prices at around two per cent higher than they were before the financial crisis and means housing market activity has been noticeably subdued in some areas as a result The number of mortgages approved for property purchase in January was 20 per cent lower than the level recorded 12 months prior a situation which aids buy to let landlords who are considering more property purchases to boost their portfolios Aided further by exceptionally low interest rates Nationwide s Chief Economist Robert Gardner explained how slackened house price growth is good news for investors Economic conditions have remained supportive with labour market conditions continuing to improve and mortgage interest rates close to all time lows Regional variations Although the UK has seen house price growth slow slightly overall considerable regional variation was found to exist in the recent research The strongest rates of annual growth were noted in England s South East a traditionally strong performing area while London s market actually softened in the first quarter but remained the strongest performing region on an annual basis Price growth also cooled in Scotland Wales and the North

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/landlords-could-benefit-from-slackening-house-price-growth/ (2016-02-16)
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  • Homelet index reveals widespread UK rental variations | Mortgages for Business
    About Meet the team Our approach Awards Testimonials Careers Contact us 0845 345 6788 Share News Insight Homelet index reveals widespread UK rental variations 30 03 15 Written by Jenny Barrett Average rents increased in seven of 12 regions in February but growth was exceptionally varied with some areas performing much more strongly than others The latest monthly Homelet rental index revealed that average rents totalled 899 in February a 10 rise on January figures and up from 873 in December 2014 Seven regions noted increases in rent between December and February 2015 with the largest in the north east and south west up by 3 1 per cent and 2 5 per cent respectively Renters in East Anglia Northern Ireland and Yorkshire and the Humber also noted an increase in costs but not to the same level Properties let in Greater London and the West Midlands remained stable compared to previous months while Scotland Wales and the East Midlands saw rental costs fall What we are seeing so far in 2015 is the private rental market becoming much more broad based with the strongest rent price growth occurring outside of the capital explained Martin Totty chief executive of Homelet s parent company the Barbon Insurance Group Other regions of the UK such as the south west of England and East Anglia are maintaining the rises achieved in 2014 and are continuing to grow Growth in London is slowing although the high rates of rental increase seen throughout 2014 still mean the capital is one of the most expensive locations in the UK to rent Greater London provides a wealth of opportunities for buy to let landlords and investors however with many reaping strong returns from commuter areas beyond the prime central locations The Homelet Index also focused on the

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/homelet-index-reveals-widespread-uk-rental-variations/ (2016-02-16)
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  • Void periods at lowest for 13 years | Mortgages for Business
    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 Void periods at lowest for 13 years 27 03 15 Written by Steve Olejnik UK landlords are seeing the lowest levels of void periods in their properties since 2002 the latest Paragon Mortgages survey has revealed The average length of time between rental tenancies in the first quarter of 2015 stood at 2 4 weeks the lowest figure since the survey began Lower void periods provide a boost for buy to let landlords and property investors as it increases the levels of income they can attain from a rental property The first quarter figure marks a fall from a void period of 2 6 weeks recorded in the final quarter of 2014 while the length of void periods have fallen by 14 per cent compared with a year ago In the first quarter of 2014 the average void period was 2 8 weeks with landlords reporting falling or low void periods since the start of 2013 The only slight fluctuation in the figures occurred in the summer of 2013 when voids climbed during a period of three weeks Void periods have been consistently low for some time which is not unexpected when you also look at what landlords are telling us about the level of demand from tenants said John Heron Director of Paragon Mortgages In the first quarter of 2015 the survey reported that 42 per cent of

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/void-periods-at-lowest-for-13-years/ (2016-02-16)
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  • Landlords bolstered as tenants struggle to buy homes | Mortgages for Business
    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 Landlords bolstered as tenants struggle to buy homes 26 03 15 Written by Jenny Barrett British landlords enjoy exceptionally high tenant demand as nine in ten renters cannot afford to buy their own homes New research from Property Let By Us claims that more than 90 per cent of those living in rented accommodation see increasing property prices and rental charges as a barrier to purchasing their own homes While just 7 5 per cent of those questioned believe they will own a home in the future the survey paints a positive picture for landlords as tenant demand looks set to remain high Supporting rented accommodation Jane Morris Director of Property Let By Us explained that more people are choosing to become long term renters as home ownership becomes less viable In eight local authority districts across the UK the increase in house prices over the last two years has outstripped the amount someone would have typically earned over the period by more than 80 000 she explained As a result demand in the rental sector has grown substantially providing landlords and buy to let investors with a steady stream of tenants for their properties These conditions have strengthened the rental market in the past few years as raising a deposit became more difficult just as individuals saved enough money house prices rose again and forced them to look for more cash This trend has been supported by numerous other reports too A study into home ownership by Spareroom co uk in December found that 18

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/landlords-bolstered-as-tenants-struggle-to-buy-homes/ (2016-02-16)
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  • ARLA reports rise in prospective tenants and rents for landlords | Mortgages for Business
    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 ARLA reports rise in prospective tenants and rents for landlords 25 03 15 Written by Jenny Barrett Rents rose for one third of ARLA agents in February while the average number of prospective tenants grew from 38 to 40 Some 31 per cent of ARLA members saw the cost of properties under their management rise in February although that figure rose to 41 per cent in the South East This region represented the highest proportion of landlords in the country to note rent rises showcasing that demand remains strong Demand for rented accommodation is still on the increase and monthly rents are following suit explained ARLA Managing Director David Cox When demand is high then the premium for a home increases house prices are still sky high and are unlikely to reduce anytime soon which means that getting onto the property ladder is a challenging and unlikely task for many so renting a property is the only option available ARLA agents have also reported an increase in the number of prospective tenants which rose from 38 in January to 40 in February according to Property Reporter The average branch was found to manage 184 properties in February the same number as a month previously and showcasing the imbalance between property demand and supply These figures complement other recently published data The ARLA report in January showcased particular regions where demand had increased and Sequence also reported higher tenant demand For last month s figures London saw the average number of properties managed fall from 140 in January to 122

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/arla-reports-rise-in-prospective-tenants-and-rents-for-landlords/ (2016-02-16)
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  • CML predicts mortgage lending will increase over coming months | Mortgages for Business
    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 CML predicts mortgage lending will increase over coming months 24 03 15 Written by Steve Olejnik As gross lending falls slightly on a monthly and annual basis experts say there is no cause for concern Gross mortgage lending reached 13 4 billion in February according to estimates from the Council of Mortgage Lenders down nine per cent on January 2015 and 12 months ago In both of those months 14 8 billion was advanced and the figure for February is the lowest monthly estimate since lending totalled 12 4 billion in April 2013 Despite the drop in figures though CML chief economist Bob Pennell believes it just to be a seasonal change and says there is no reason to be concerned Earlier soft approvals data meant that weaker February lending has not come as a surprise he said Seasonal factors tend to weigh on activity at the start of the year but looking through these the underlying picture appears to be stabilising It is also worth noting that some areas of lending did increase at the start of the year with 18 200 buy to let loans advanced in January This represented an increase of six per cent month on month and was also up 12 per cent on the year before An increase in remortgaging boosted these figures although there was a slowdown in the level of buy to let loans agreed for house purchase buy to let loans that were remortgaged

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/cml-predicts-mortgage-lending-will-increase-over-coming-months/ (2016-02-16)
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  • Mortgages for Business crowned best buy to let broker for 4th year running | Mortgages for Business
    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 Mortgages for Business crowned best buy to let broker for 4th year running 23 03 15 Written by Jenny Barrett For the fourth consecutive year Mortgages for Business has won the title of Buy to Let Mortgage Broker of the Year The honour was bestowed at the Business Moneyfacts Awards 2015 which was held at the Lancaster London Hotel on 19th March The awards are designed to promote those who champion competition and innovation in the business and commercial banking sector They are the largest business finance awards in the UK and one of the highlights of the industry calendar Rigorous product monitoring is carried out throughout the preceding year and the broker community is also consulted for their feedback This year the Buy to Let Mortgage Broker award was presented to Sales Director Steve Olejnik by comedian Ed Byrne who hosted the event Commenting on the accolade Steve said To win this category for the fourth year running is an honour indeed and I would especially like to thank everyone who voted for us and West One Secured Lending for sponsoring the award The competition was tough Our congratulations go to London Country Mortgages

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/mortgages-for-business-crowned-best-buy-to-let-broker-for-4th-year-running/ (2016-02-16)
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