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  • Buy to let landlords enjoy strong yields and big returns | Mortgages for Business
    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 Buy to let landlords enjoy strong yields and big returns 23 03 15 Written by Jenny Barrett Gross rental yields stabilised at five per cent in February 2015 while annual returns reached 11 5 per cent to give landlords a considerable boost It means yields were stable month on month yet dropped by 0 2 per cent from February 2014 according to the latest Buy to Let Index from Your Move and Reeds Rains which also reported the fastest rents rise in England and Wales since May 2013 When price growth and void periods were taken into account total annual returns stood at 11 5 per cent in the year to February 2015 bucking the trend noted over the past six months whereby returns have slowly decreased Taking home more money In absolute terms the average landlord in England and Wales has seen a return of 19 849 in the past year before the deduction of mortgage repayments and maintenance costs When broken down it equates to 8 167 in rental income and an average capital gain of 11 682 to provide a welcome boost for landlords and investors alike Adrian Gill Director of estate agents Your Move and Reeds Rains described renting as a sound investment under current conditions With buy to let properties offering such generous returns on income and capital it s no wonder first time buyers are getting squeezed out by landlord demand he said Yields have steadied near the five per cent mark and we re seeing a reciprocal stability in total annual return as property

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/buy-to-let-landlords-enjoy-strong-yields-and-big-returns/ (2016-02-16)
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  • English and Welsh rents rise at fastest rate since May 2013 | Mortgages for Business
    Term Finance Residential Mortgages About Meet the team Our approach Awards Testimonials Careers Contact us 0845 345 6788 Share News Insight English and Welsh rents rise at fastest rate since May 2013 20 03 15 Written by Jeni Browne The latest buy to let index from Your Move and Reeds Rains confirms strength of residential rents which grew 3 1 per cent year on year Following a report from Countrywide which put residential rents up 1 7 per cent year on year research from Your Move and Reeds Rain has confirmed rents were up 23 this February compared to one year ago Boosting returns for buy to let investors average residential rents in the UK were 766 per month in February as the yearly increase marked the fastest annual rise since May 2013 The East of England recorded a 10 2 per cent annual rise the strongest growth seen by any one region in more than five years while this February also marked the first monthly increase in rents following a series of falls Rents increased 0 4 per cent 3 in real terms following drops of 0 6 per cent 0 1 per cent and 0 2 per cent in January December and November respectively Adrian Gill Director of Reeds Rains and Your Move believes that the rental sector is behind the property market s strong performance at a time when more homes are needed but supply simply isn t there He said that landlords are catering to those who can t afford to buy as well as those who choose renting for the flexibility it offers them and as such are supporting numerous individuals Regional variation While the East of England noted the largest annual increase in rents taking 787 per month on average in February compared to

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/english-and-welsh-rents-rise-at-fastest-rate-since-may-2013/ (2016-02-16)
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  • What is HMRC Landlords Energy Saving Allowance
    us 0845 345 6788 Share News Insight Tax saving opportunity for landlords ends on 6 April 2015 19 03 15 Written by Simon Whittaker The Landlord Energy Saving Allowance LESA permits landlords to deduct up to 1 500 from taxable profit for approved energy saving expenditure on each rental property But if you are looking to take advantage of this allowance you d better hurry up because it ceases to exist in April 2015 Here s how it works Generally we avoid offering any advice on tax matters but Budget time always acts as a reminder that we all need to watch events and when this is combined with the tax year end and an imminent General Election it really serves to concentrate the mind on this crucial area I am not going to bore you with the minutiae of the Budget there are more than enough commentators far more qualified than I to churn out endless pages of analysis on this Instead I want to bring your attention to an opportunity to save tax that is about to run out unless you act in the next fortnight The Landlord Energy Saving Allowance will cease to exist on 6 th April 2015 for private individuals 1 st April for companies This allowance permits you to deduct up to 1 500 from taxable profit for approved energy saving expenditure on each dwelling that you own and rent out You can claim LESA for the costs of buying and installing the following energy saving products for properties you rent out Cavity wall and loft insulation Solid wall insulation Draught proofing Hot water system insulation Floor insulation You do not necessarily have to have spent the money before the deadline just sign a contract for the work to be done Also if you

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/tax-saving-opportunity-for-landlords-ends-on-6-april-2015/ (2016-02-16)
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  • Residential rents up 1.7 per cent on year but down 0.8 per cent month on month | 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 Residential rents up 1 7 per cent on year but down 0 8 per cent month on month 19 03 15 Written by Jenny Barrett Analysis from Countrywide shows despite dropping slightly between January and February most residential rents in the UK are up 1 7 per cent from last year The yearly increase means monthly rents are now average 876 in the UK the latest analysis from Countrywide has revealed This represents a month on month decrease of 0 8 per cent from January equating to 7 in real terms but means overall rents are still up on the year Greater London saw the largest yearly increase with rents up 8 4 per cent overall Two and three bedroom lettings were some of the most lucrative in the capital as rents grew 4 5 per cent and three per cent respectively from last year Two bedroom homes were the only type or property to note a month on month increase in rents up 0 7 per cent to 816 while one beds saw a 2 9 per cent monthly decrease Properties with four bedrooms or more also experience a drop of almost three per cent while three bedroom homes were down 0 4 per cent This means that only the larger properties did not experience a year on year increase in rents as rents for those with four or more bedrooms fell from 1 345 to 1 306 down 6 9 per cent Monthly increases By region central London saw the greatest monthly increase in rents up 2 5 per cent to 2 629 on average Rents in the Midlands also rose expanding 1 7 per cent

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/residential-rents-up-17-per-cent-on-year-but-down-08-per-cent-month-on-month/ (2016-02-16)
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  • Buy to let sector reports only lending increase for past year | Mortgages for Business
    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 Buy to let sector reports only lending increase for past year 18 03 15 Written by Jenny Barrett Twelve per cent more buy to let loans were secured in January 2015 than January 2014 as the sector bucked the wider industry trend which reported falling lending across all other areas The Council of Mortgage Lenders CML has revealed that mortgage lending for buy to let investors thrived while first time buyers and homemovers reduced their activity across the last 12 months Some 18 200 buy to let loans were agreed this January worth a combined value of 2 5 billion an increase of 12 per cent and 14 per cent respectively compared to the same period in 2014 Paul Smee Director General of the CML revealed that lending is expected to pick up again in the months ahead as a seasonal lull is more prominent this year because the start of 2014 was particularly strong Affordability constraints remain a factor for would be borrowers but we are still projecting lending to pick up over the next few months he explained Buy to let lending could remain strong too as Mark Harris Chief Executive of mortgage broker SPF Private Clients believes pension freedoms due in April will encourage more people into the market A combination of cheap mortgage rates easing criteria plenty of demand from tenants and poor savings rates are convincing many that investment property is the sensible home for their money he said His comments follow findings from Rightmove that detail an increase in the number of older prospective buyers considering their options Official Bank of England

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/buy-to-let-sector-reports-only-lending-increase-for-past-year/ (2016-02-16)
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  • Property market prepares for influx of 'silver landlords' | Mortgages for Business
    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 Property market prepares for influx of silver landlords 17 03 15 Written by Jenny Barrett Agents report uptake in property interest ahead of new pension rules coming into effect next month Rightmove has reported that buy to let investors who opt to cash in their pensions to boost their deposit funds could increase prices at the lower end of the market The firm also revealed that a wide array of letting agents have reported a major uplift in levels of interest in property ahead of the upcoming pension changes in April Estate agents have suggested that a rush for buy to let property investment could occur in April although the degree of such a market surge is difficult to predict Beneficial loan rules aid buy to let prospects One option of older investors would be to use some of their pension pot as deposit for a property while using a mortgage to fill the remaining gap Since most buy to let loans are not subject to tougher affordability roles which relate to normal mortgages and came into force in 2014 they can also be extended into retirement This could support the growth of the buy to let market which is already reporting thriving figures Data from the Council of Mortgage Lenders claimed the sector expanded by 23 per cent last year while Direct Line for Business released figures in December which suggested almost one third of retirees would consider purchasing a buy to let property with their pension Interest in property opportunities Rightmove Director Miles Shipside reported that agents were experiencing a high level of interest from new landlords particularly those of retirement

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/property-market-prepares-for-influx-of-silver-landlords/ (2016-02-16)
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  • UK countryside matches growth in city property prices | Mortgages for Business
    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 UK countryside matches growth in city property prices 16 03 15 Written by Steve Olejnik House values in rural parts of the UK are rising at rates on par with urban cities research has shown Property prices in the UK countryside have grown by 5 1 per cent across the last 12 months according to research from Zoopla That compares to annual property price growth of 5 7 per cent in the urban market meaning there is very little difference between the two The average value of a rural home is now 264 338 according to the study which is actually 24 per cent or 51 727 higher than a typical urban home outside of London Rural properties in the East of England noted the largest rise in values over the past year and jumped by 6 5 per cent the equivalent to 17 098 The South East also saw rural prices increase by six per cent or 22 157 in the same period meaning purchasing a property in this region can cost more than 66 000 more High demand and good returns For property investors and those hunting for buy to let opportunities these regions represent great opportunities since demand for homes is high Targeting towns and cities in regions where rural properties are more expensive can also yield strong returns since initial outlays for homes should be lower As an example rural properties in the West Midlands cost nearly 74 000 more to purchase when compared to an urban home in the same area the highest premium for rural property in the UK Meanwhile Gerrards

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/uk-countryside-matches-growth-in-city-property-prices/ (2016-02-16)
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  • Property prices grow 0.5 per cent in England and Wales | Mortgages for Business
    Contact us 0845 345 6788 Share News Insight Property prices grow 0 5 per cent in England and Wales 13 03 15 Written by Jenny Barrett Reporting strong month on month growth properties in England and Wales are now 34 000 dearer than before the 2008 recession The average property price in the UK is now 273 528 according to the latest house price index from Your Move and Reeds Rains These figures represent annual growth of 6 8 per cent although that figure falls to 4 6 per cent if London and the South East are not included Both regions display consistently strong price growth with the capital in particular boosting overall averages Slowing growth is good news for landlords Adrian Gill Director of Reeds Rains and Your Move estate agents said that although prices are 17 340 higher than a year previously this actually marks the smallest annual increase for 14 months Looking at the bigger picture earlier reports from Home co uk and Righmove found UK house proces had grown by 2 1 percent between this January and February with particularly strong growth noted in London and the South East something which has now slowed This may allow landlords to expand their portfolios before properties become outpriced and could explain how market demand has remained strong with recent activity witnessing a four per cent rise compared to this January Investors looking for buy to let and purchasing opportunities should also note that market conditions in London and the South East are calming compared to the middle of 2014 these regions boosted overall growth for England and Wales by 5 4 per cent last July but by only 2 2 per cent now According to Gill particular sections of London s property market are flourishing but the prime

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2015/march/property-prices-grow-05-per-cent-in-england-and-wales/ (2016-02-16)
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