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  • Buy to Let Lending | Mortgages for Business
    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 Consulting Buy to Let Lending Consulting Buy to Let Lending Mortgage Flow Published Research Buy to let lending Mortgages for Business provides consultancy services to lenders offering buy to let mortgage products and to institutions looking to break into this niche and ever changing sector About Mortgages for Business has been involved in the buy to let mortgage sector since the term was coined 20 years ago Since then we have built a well deserved reputation as experts in the field of finance for residential property investment If we can help with any of the services listed below please do not hesitate to get in touch In the first instance please contact Steve Olejnik Sales Director Tel 01732 471612 Email steveo mortgagesforbusiness co uk We can help with Market research An up to date and detailed explanation of the buy to let mortgage market including identification of the key players industry analysis benchmarking indices historic market data and future predictions Product distribution Understanding the differing channels to market implementing trading terms and agreements and recommending key intermediaries Asset selection Detailed descriptions of the various properties lenders could attract including vanilla houses and flats Houses in Multiple Occupation HMO multi units owned on a single freehold title and mixed use premises Identification of strong geographic locations for buy to let investment and details of average values and yields for each property type Borrower profiling Types of landlords to target including individuals and corporate structures with details of experience

    Original URL path: http://mortgagesforbusiness.co.uk/consulting/buy-to-let-lending/ (2016-02-16)
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  • Mortgage Flow | Mortgages for Business
    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 Consulting Mortgage Flow Consulting Buy to Let Lending Mortgage Flow Published Research Mortgage Flow The UK s only dedicated buy to let mortgage product sourcing tool Available by invitation only Lenders do not pay to be included in on Mortgage Flow Each lender on the system is carefully selected for its contribution to the buy to let mortgage sector Currently the criteria and commoditised products of 33 lenders are tracked including market leading mainstream providers the challenger banks and the specialists which cater for full time landlords with more complex borrowing requirements Crucially Mortgage Flow allows subscribers to track product and criteria activity on both a granular and macro level Why subscribe to Mortgage Flow Unparalleled levels of product detail 350 pieces of info about each product Keep up to date understand your competitors products and lending criteria Criteria analysis research criteria from borrower property tenant perspectives Carve out market niches identify business opportunities USPs Compare products and lenders benchmark yourself against the competition Export to Excel with advanced filtering for easy analysis and external reporting Web based secure log in anywhere on your pc your tablet or your mobile Automatic updates no time wasted installing new versions Mortgage Flow has been designed and built by Mark Ryan Head of IT He and his team are responsible for

    Original URL path: http://mortgagesforbusiness.co.uk/consulting/mortgage-flow/ (2016-02-16)
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  • Published Research | Mortgages for Business
    provided is based on data widely available in the public domain on the experience and knowledge of our internal researchers and on the proprietary records held by Mortgages for Business The following information is published free of charge Complex Buy to Let Index First published at the beginning of 2011 this quarterly index tracks mortgage applications transacted via Mortgages for Business Specifically it compares property values loan sizes LTVs and yields across four different types of buy to let property vanilla houses and flats HMOs multi units and mixed use premises The index was designed to help landlords and lenders benchmark their own activities and help them understand more about market dynamics and key trends Complex Buy to Let Index Limited Company Buy to Let Index Published twice a year this index tracks the availability of commoditised mortgage products for SPV limited companies offered by the mainstream buy to let lenders Data is sourced from our transactional figures and from the products listed in Mortgage Flow our bespoke buy to let mortgage product sourcing tool The index was introduced following government proposals to limit mortgage interest relief and other finance costs to the basic rate for higher tax rate paying individuals from 2020 phased in from 2017 It is anticipated that the announcement will lead to an increase in demand for and availability of products for SPVs The index will track activity in this niche sub sector of the market Ltd Co Buy to Let Index Buy to Let Product Index Published monthly this index records the number of buy to let mortgage products and lenders available in the UK market It also tracks pricing and loans to value LTV availability of both fixed and variable rates It is a useful barometer for anyone looking to benchmark rates Buy to

    Original URL path: http://mortgagesforbusiness.co.uk/consulting/published-research/ (2016-02-16)
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  • Buy to Let News | Mortgages for Business
    some of the lowest levels recorded in spite of continued speculation that Bank Rate will rise next year New year will see rebrand for Dragonfly Property Finance 03 11 2015 Short and medium term lender Dragonfly Property Finance has announced it will rebrand as Octopus Property in the first half of next year Accord cuts rates on 75 LTV products 02 11 2015 Buy to let lender Accord has has reduced the rates on its 75 LTV mortgage offering Advisers urge lenders to provide more interest only equity release solutions 30 10 2015 According to the latest research advisors are demanding that lenders provide more solutions for customers struggling with interest only mortgages October sees house prices rise by 0 6 29 10 2015 House prices were on the rise again in October taking the annual rate of price growth to 3 9 from 3 8 in September Mortgage Trust updates buy to let range 29 10 2015 Mortgage Trust has just updated its buy to let offering to include 24 new fixed rate deals all of which come with a free valuation and a 150 application fee Equity release experiences biggest quarterly rise since 2004 28 10 2015 Figures released this week from the Equity Release Council show that in Q3 equity release lending rose by 21 over the year reaching 452 6m a quarterly rise of 68 3m and the steepest in 11 years Fee free BTL products increase 28 10 2015 See the findings from our Q3 Buy to Let Mortgage Cost Index InterBay introduces new fixed rate buy to let range 26 10 2015 InterBay Commercial has launched a new range of buy to let mortgages aimed at investors looking for longer term fixed rates Osborne to grant FPC powers to intervene in buy to let market 23 10 2015 Chancellor George Osborne has confirmed that he intends to extend the Financial Policy Committee s FPC existing powers on mortgages to include the buy to let market New index tracks Ltd Co buy to let mortgage sector 22 10 2015 Mortgages for Business has today published the first Limited Company Buy to Let Index to track lending activity in this niche but growing sector of the mortgage market Report predicts growth of private rented sector despite government imposing greater restrictions on buy to let sector 21 10 2015 The latest research report from the Intermediary Mortgage Lenders Association IMLA states that despite the unfavorable policy environment imposed on the buy to let sector by the government the private rented sector PRS is set for expansion HMRC s Twitter event fails to rouse landlords 21 10 2015 A Twitter Q A event organised by HMRC took place last night giving landlords an opportunity to get answers to their tax related questions HMRC organises Twitter Q A for landlords 20 10 2015 A Twitter Q A event aimed at landlords has been organized by HMRC and will take place on Tuesday 20th October 2015 Tipton BS unveils new buy to let offering 16 10 2015 Tipton and Coseley Building Society has launched its new product range of buy to let mortgages with a variety of 70 LTV purchase and remortgage products now on offer Paragon launches enhanced product for professional landlords 15 10 2015 Buy to let lender Paragon Mortgages has launched a new product range for top end professional landlords with larger scale portfolios What happens when the leaseholder owns the freehold 14 10 2015 Some lenders have found a way to mitigate risk where the leaseholder owns all or a controlling share of the freehold Precise Mortgages loosens lending criteria while peer to peer lender Landbay joins CML 12 10 2015 Precise Mortgages has improved its buy to let criteria for landlords with multiple properties while Landbay announces that it is the first peer to peer lender to be invited to join the Council of Mortgage Lenders CML as a full member Bank of England votes to leave interest rates unchanged at 0 5 09 10 2015 Following a meeting this week the Bank of England s Monetary Policy Committee MPC voted to maintain the current Bank Rate of 0 5 in order to meet the 2 inflation target and help sustain growth and employment September house sales strongest since 2007 08 10 2015 Data released today by the LSL Property Services Acadata House Price Index reveals that house sales were at an eight year high last month with September 2015 registering as the strongest month since 2007 Council of Mortgage Lenders report drop of 16 in interest only loans 05 10 2015 Latest figures from the Council of Mortgage Lenders CML show a 16 decline in interest only loans Vince Cable comes out in support of Chancellor s crackdown on Buy to Let market 02 10 2015 Vince Cable has openly supported Chancellor George Osborne s decision to tighten up mortgage tax relief for buy to let landlords stating that further restrictions to landlords tax incentives are very likely Important compliance deadlines for landlords 01 10 2015 Landlords have been warned to ensure their tax affairs are in order by 5 October and that properties meet legal requirements for smoke alarms by 1 October in order to avoid potential fines Landlords mortgage options jump to new record even as yields stall 01 10 2015 The number of available buy to let mortgage products has leapt in Q3 according to the latest Complex Buy to Let Index from specialist brokers Mortgages for Business Aldermore lowers buy to let and residential mortgages rates 30 09 2015 Aldermore s cuts to its buy to let and residential mortgage rates include the launch of the Bank s lowest ever two year fixed rate residential mortgage Remortgage approvals jump 29 in a year 29 09 2015 New data released today from the Bank of England shows that mortgage approvals for home buying were at an 18 month high in August while remortgage approvals have risen by 29 over the past year House prices rise by 4 2 year on year 28 09 2015 The house price index results released today by the Land Registry show an increase of 4 2 year on year to August 2015 Buy to let sales up by 54 25 09 2015 Latest research from Equifax Touchstone reveals that buy to let sales have risen by 54 1 when compared to the corresponding month last year reaching 3 31bn Expert believes current housing market mirrors that of 1998 24 09 2015 Looking at wider economic cycles Jeremy McGivern managing director of Mercury Homesearch and prime London property expert has compared today s housing market to that of 1998 seeing potential for steady price rises before the market booms again Rental market grew steadily in Q3 23 09 2015 A new report just released by Paragon Mortgages which reveals the latest trends in the private rental sector PRS shows a steady market Taking key indicators into account such as yields void periods and tenant demand the overall picture is Council of Mortgage Lenders urges government to consider impact of proposals on buy to let sector 22 09 2015 The CML this week published its latest analysis of the buy to let market releasing new statistics on the geographical spread of buy to let and the types of property favoured by investors highlighting that the past is no guide to the future Heavyweight lender Jerrold Holdings Group announces new brand identity 21 09 2015 Following months of industry speculation Together has been revealed as the new name for the specialist lender Jerrold Holdings Group Expert urges landlords to seek regular advice from mortgage brokers 18 09 2015 Leading property expert Kate Faulkner has highlighted the fact that landlords could maximize their buy to let potential simply by visiting their mortgage brokers twice a year New housing development plans face opposition from local councils 16 09 2015 According to the Residential Landlords Association RLA local councils may start to impose restrictions in order to halt the development of new housing Keystone launches range of commercial owner occupier mortgages 16 09 2015 Keystone the intermediary only lender has today launched a Commercial Owner Occupier Range which offers a pair of fixed rate deals for business owners looking to purchase or remortgage work premises Front Events brings popular Financial Services Expo to Cardiff 15 09 2015 Corporate events company Front Events has chosen Cardiff to host its Financial Services Expo for the first time in June next year NatWest targets professional landlords with new buy to let offering 11 09 2015 NatWest Intermediary Solutions has revised its buy to let criteria widening the appeal of its buy to let mortgages to include professional landlords Bank of England maintains Bank Rate at 0 5 11 09 2015 The Bank of England s Monetary Policy Committee has once again voted to maintain Bank Rate at 0 5 Aldermore improves let to buy lending criteria 10 09 2015 Aldermore Mortgages has announced the latest changes to its let to buy criteria enabling home owners to purchase a new owner occupied property while retaining their original home as a buy to let Rapid growth of buy to let lending puts sector in spotlight 09 09 2015 Figures released this week from the Bank of England and Financial Conduct Authority show rapid growth in buy to let mortgage lending and lead to industry speculation that the Financial Policy Committee is increasingly likely to receive additiona Keystone launches Short Term Finance Range 01 09 2015 Keystone Buy to Let Mortgages has launched its new Short Term Finance Range with funding from Lancashire Mortgage Corporation Bank Rate speculations spark mortgage rate rises 06 08 2015 Speculation of a rise in Bank Rate has driven some lenders to increase their pricing Over 100 different mortgage products for limited companies to greet Budget BTL tax clampdown 31 07 2015 Limited companies can choose between 122 different BTL mortgages as of July leaving plenty of options even after the tax relief crackdown for private landlords in the summer Budget First 3 cases offered with Keystone s New Classic Range 28 07 2015 After successfully launching its New Classic Range at the beginning of July Keystone has made its first three formal offers Buy to let from personal to limited company ownership 27 07 2015 Prior to now when asked by clients whether buy to let properties should be bought in their own names or whether they should use a limited company we have always said it all depends Well the Summer Budget 2015 has altered everything and whilst How Private Rental Property Licences affect landlords applying for a buy to let mortgage 27 07 2015 Formerly known as Selective Licensing landlords have expressed concern that lenders might treat them differently when it comes to applying for a buy to let mortgage FAQs on buy to let mortgages for limited companies 14 07 2015 The proposed changes to buy to let mortgage interest relief on personal borrowing in George Osborne s Summer Budget 2015 has sparked a flurry of questions about property investors switching to borrowing in via a corporate vehicle Summer Budget 2015 Should buy to let mortgage holders panic 09 07 2015 Following George Osborne s bombshell for high rate tax landlords we have received a number of calls from landlords requesting advice Summer Budget 2015 and the implications for landlords 09 07 2015 What does George Osborne s Summer Budget mean for landlords with buy to let mortgages How the restriction of relief on BTL mortgage interest will affect landlords 09 07 2015 Analysis and examples of how the restriction of relief on buy to let mortgage interest will affect landlords Yields slide as loan to value ratio cools 08 07 2015 Average yields on rental properties have generally cooled according to our latest Complex Buy to Let Index Keystone launches New Classic Range with Landbay 01 07 2015 Keystone Buy to Let Mortgages has launched its New Classic Range with funding from peer to peer lending platform Landbay Keystone s buy to let contract with Aldermore ends 30 06 2015 Keystone s funding contract with Aldermore Bank has ended after a very successful three years originating close to 200m in loans New Foundation product includes pay rate in rental calculation 30 06 2015 Foundation Home Loans has launched a five year fixed rate buy to let product that uses the pay rate for rental calculations over the notional rate Is buy to let being used to avoid financial regulations 29 06 2015 Lenders could be using buy to let lending as a way to avoid new regulations it has been claimed Scotland offers some of the best buy to let returns 26 06 2015 Parts of Scotland experienced record levels of rental growth in May boosting the returns on offer for buy to let landlords Number of elderly landlords on the increase 25 06 2015 A growing number of people are viewing property as the best way to save for retirement according to new official figures First time landlords benefit from more buy to let deals 24 06 2015 First time landlords can access 13 per cent more mortgage deals now than when pension reforms were introduced at the start of April new data has revealed UK rents are on the rise but so are tenant incomes 23 06 2015 Rental values for the three months to May were up 10 7 per cent on last year with tenant income also growing to improve affordability Should landlords sacrifice buy to let tax breaks 22 06 2015 Debates over whether buy to let landlords should still benefit from tax breaks which accounted for 14 billion in 2013 continue in the face of austerity Private sector rents hit new high 19 06 2015 Tenants paid an average of 778 a month on rent in England and Wales this May representing a new high for the property market Are HMOs the answer to mortgage woes 18 06 2015 Houses in Multiple Occupation HMOs could solve mortgage woes by offering both tenants and landlords more lucrative opportunities House purchase lending experienced 16 per cent monthly growth in March 17 06 2015 Recent figures from the Council of Mortgage Lenders CML show Q1 experienced considerable growth in house purchase lending with a 16 per cent rise month on month in March Buy to let boom leads to fewer houses on sale 16 06 2015 The number of houses available to buy in the UK is at its lowest level since 1978 due to the surge in buy to let activity Four in five tenants satisfied with current landlords 15 06 2015 The vast majority of tenants are satisfied with their current landlords according to new research from Paragon Mortgages London plans 1 000 new rental properties 12 06 2015 Housing Minister Brandon Lewis has announced plans for the construction of more than 1 000 new homes especially for renting in London Attention shifts to buy to let markets 11 06 2015 The buy to let sector is growing on both an annual and monthly basis while first time buyer activity is slowing new research shows Precise Mortgages boosts max buy to let loan size 10 06 2015 Precise Mortgages is targeting landed purchasing of more expensive properties after doubling its maximum buy to let loan size Aldermore slashes two year buy to let deals 09 06 2015 Aldermore has cut its two year fixed rate mortgage deals by up to 30 basis points making a 75 per cent loan to value mortgage available at 4 18 per cent Buy to let returns could drop by 60 per cent experts warn 08 06 2015 LSL Property Services has issued a cautionary warning to property investors and buy to let landlords claiming returns could fall by as much as 62 per cent in the next 12 months 49 per cent of students think renting is good value 05 06 2015 Buy to let landlords investing in student properties could stand to make consistent returns as student tenants remain positive about renting FCA issues another buy to let gaming warning 04 06 2015 The Financial Conduct Authority FCA has issued another warning to borrowers and brokers who are attempting to cheat MMR affordability rules by opting for buy to let HSBC lists UK s buy to let hotspots 03 06 2015 Following research into UK property HSBC has produced a list of buy to let hotspots offering higher yields and greater potential for demand London returns are high but buy to let future is heading north 02 06 2015 London landlords gained the most from rental properties in the last year but those looking to start buy to let investments should turn their attentions northwards a new study claims Axis Bank completes first 2 BTL deals with Mortgages for Business 02 06 2015 Mortgages for Business has successfully brokered the first two buy to let mortgages for Axis Bank Private rented sector value to top 1 trillion 01 06 2015 The UK s private rental sector is set to be worth 1 trillion in the next month and 1 07 trillion by next March London property market suffers from low housing supply 28 05 2015 Landlords and house buyers may be better off investing in properties outside the capital as low housing supply holds back the London market Two thirds of landlords now planning to buy new BTL properties 28 05 2015 Landlords are looking to expand their property portfolios at an accelerating pace over the rest of 2015 according to the latest property investor survey from specialist buy to let mortgage broker Mortgages for Business Mortgage products up 19 per cent in UK 27 05 2015 The number of available mortgage products has grown by almost one fifth in the last year reaching their highest level since the 2008 recession Rent arrears cause landlords the most stress 26 05 2015 Rental arrears are the main stressor for 87 per cent of British landlords closely followed by tenant complaints and property repairs House building completions up 11pc 22 05 2015 More than 125 000 houses were built in the year to the end of March 11 per cent more than the previous year official figures show Buy to let mortgage arrears down in Q1 21 05 2015 UK landlords are better off financially as total mortgage arrears and repossessions are down in the first three months of the year CML confirms more buy to let mortgages advanced in March 20 05 2015 New figures reveal a 21 increase in the number of buy to let loans and a 35 increase in their value compared to one year ago Paragon Mortgages reveals strong 2015 growth 19 05 2015 Paragon Mortgages parent company has unveiled solid growth for the period ending 31 March 2015 with underlying profits up by ten per cent Fleet Mortgages increases end term max age to 85 18 05 2015 Fleet Mortgages has increased its upper age limit to 85 years at the end of the mortgage term up from its previous limit of 75 years Low entry costs drive buy to let activity in the North 15 05 2015 Data analysis by Savills shows low entry costs have put Northern cities on UK s list of top ten buy to let hotspots Rental value of new tenancies up 10 per cent on last year 14 05 2015 The latest HomeLet Rental Index reports strong annual growth in value of new tenancies and tenant income LendInvest outlines plans to enter buy to let market 13 05 2015 Peer to peer bridging lender LendInvest has unveiled plans to enter the buy to let sector in the next year Buy to let landlords are attracted to semi detached homes 12 05 2015 35 per cent of landlords want semi detached properties to expand their portfolios up from 23 per cent at the end of last year Landlords vulnerable to potential buy to let mortgage rate rises 11 05 2015 Negative cash flow could be experienced by landlords in seven out of 10 UK regions if mortgage rates increased by even modest amounts Long term renting could be reality for Brits as home purchases require double the average salary 08 05 2015 Brits looking to join the property ladder could be in for a long wait as average salaries of 41 000 are needed to buy a home April sees buy to let mortgage market consolidated 07 05 2015 The number of buy to let mortgage products available in the UK fell by more than a quarter in April the latest Buy to Let Product Index shows Commuter regions offer strong potential for buy to let 06 05 2015 Proximity to good transport links and amenities continue to push up rental prices in areas outside the capital giving landlords more investment options House building pledges in the Conservative Party manifesto 05 05 2015 All of the main political parties recognise that Britain is suffering from a severe shortage of housing and most developers are chomping at the bit to get building but will they be supported by whichever political party ies wins the forthcoming Ge House building pledges in the UKIP Party manifesto 05 05 2015 A common thread among all the main political parties is that housing is in short supply and not enough of it is affordable Like the other parties UKIP pledges to redress the shortage House building pledges in the Green Party manifesto 05 05 2015 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 manifes House building pledges in the Labour Party manifesto 05 05 2015 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 House building pledges in the LibDem Party manifesto 05 05 2015 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 Buy to let mortgage deposits could prove hurdle for silver landlords 05 05 2015 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 Fixed rate buy to let mortgages are best bet for landlords 01 05 2015 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 Important costs for buy to let landlords to consider 30 04 2015 As research reveals many landlords underestimate the cost of buy to let we outline the main factors that must be taken into account Landlord confidence soars as buy to let mortgage repayments reduce 29 04 2015 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 Index reveals strong growth in rents and returns for buy to let 28 04 2015 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 London landlords enjoy 27 4pc higher rents than five years ago 27 04 2015 Rents in the capital are considerably higher now than before the last General Election providing landlords with more opportunity for profit Buy to let mortgage prices begin to even out 24 04 2015 Mortgage rates for buy to let landlords have begun to stabilise according to the Buy to Let Mortgage Product Index published by Mortgages for Business Property investors enjoy increased rents for newly let properties 21 04 2015 Newly let properties achieved 4 5 per cent higher rents in Q1 2015 equivalent to 894 per month according to research Risk factor puts homeowners off peer to peer lending 18 04 2015 Risk of losses is the main factor deterring many homeowners from considering peer to peer lending new research has revealed More than half of over 40s consider buy to let in retirement 17 04 2015 More than half of retirement savers are considering buy to let options in retirement according to new research from Kensington Buy to let investors must register deposits within two months 16 04 2015 Landlords have until June 23 to sign up to an official deposit scheme or they may face a fine of 3 600 Gross buy to let lending up 11 per cent annually 15 04 2015 The number of buy to let loans in February increased by 11 per cent on a year ago to be worth a total value of 2 2 billion Landlords remortgage at twice rate of new purchases 15 04 2015 Remortgaging now accounts for two thirds of all buy to let mortgage transactions according to the latest Mortgages for Business Complex Buy to Let Index March property valuations at eight year high for buy to let 14 04 2015 More property valuations took place in March 2015 than in any month in the last eight years with the buy to let sector particularly active Competitive lending options for full time landlords with larger portfolios 14 04 2015 Jeni Browne Head of Residential and Buy to Let Lending blogs on why Axis Bank have gone from zero to hero in just five working days Buy to let landlords earn 1 400 per cent returns on investment 13 04 2015 Since 1996 the average value of a 1 000 buy to let investment is now 14 987 representing a massive 1 400 per cent rate of return Importance of inventories highlighted as landlords struggle with rules 10 04 2015 British landlords could benefit from thorough fair inventories of their properties as 60 per cent never perform inspections and don t understand rules which affect tenant deposits Buy to let market prepares for greater regulation and monitoring 09 04 2015 Both the Bank of England and Council of Mortgage Lenders CML have announced stricter monitoring and codes of practice for landlords as the buy to let market continues to thrive High tenant demand and strong rent continue into Q2 08 04 2015 Research from Knight Frank and Sequence confirms the UK property market is maintaining upward growth as it enters the second quarter of 2015 Mortgages for Business launches exclusive BTL pilot for Axis Bank 07 04 2015 Mortgages for Business has this afternoon commenced an exclusive three week pilot for new intermediary only buy to let lender Axis Bank Better tracking of buy to let returns needed from landlords 07 04 2015 A staggering 23 per cent of British landlords fail to monitor their buy to let returns leaving 300 billion untracked Report showcases diversity of rental sector 01 04 2015 Recent research has showcased how the private rental sector has changed since the early 2000s highlighting many different sub markets that now exist Landlords could benefit from slackening house price growth 31 03 2015 Annual house price growth slowed to 5 1 per cent this month potentially offering landlords more opportunities to expand their buy to let portfolios Homelet index reveals widespread UK rental variations 30 03 2015 Average rents increased in seven of 12 regions in February but growth was exceptionally varied with some areas performing much more strongly than others Void periods at lowest for 13 years 27 03 2015 UK landlords are seeing the lowest levels of void periods in their properties since 2002 the latest Paragon Mortgages survey has revealed Landlords bolstered as tenants struggle to buy homes 26 03 2015 British landlords enjoy exceptionally high tenant demand as nine in ten renters cannot afford to buy their own homes ARLA reports rise in prospective tenants and rents for landlords 25 03 2015 Rents rose for one third of ARLA agents in February while the average number of prospective tenants grew from 38 to 40 CML predicts mortgage lending will increase over coming months 24 03 2015 As gross lending falls slightly on a monthly and annual basis experts say there is no cause for concern Mortgages for Business crowned best buy to let broker for 4th year running 23 03 2015 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 Buy to let landlords enjoy strong yields and big returns 23 03 2015 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 English and Welsh rents rise at fastest rate since May 2013 20 03 2015 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 Tax saving opportunity for landlords ends on 6 April 2015 19 03 2015 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 Residential rents up 1 7 per cent on year but down 0 8 per cent month on month 19 03 2015 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 Buy to let sector reports only lending increase for past year 18 03 2015 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 Property market prepares for influx of silver landlords 17 03 2015 Agents report uptake in property interest ahead of new pension rules coming into effect next month UK countryside matches growth in city property prices 16 03 2015 House values in rural parts of the UK are rising at rates on par with urban cities research has shown Property prices grow 0 5 per cent in England and Wales 13 03 2015 Reporting strong month on month growth properties in England and Wales are now 34 000 dearer than before the 2008 recession Cutting interest rates would be extremely foolish Carney issues stark warning 12 03 2015 The Bank of England Governor has warned against slashing interest rates as a remedy to putting a stop to record low inflation Landlords reap strong returns from outer London properties 11 03 2015 Attractive mortgage rates and a thriving market have prompted buy to let investors to expand their portfolios into outer London achieving strong returns as a result Bank of England record strong end of year results for buy to let 10 03 2015 Official figures for 2014 s Q4 show an increase in the quantity and value of buy to let mortgages across Britain NLA supports government changes to landlord licensing 09 03 2015 The National Landlords Association NLA has commended recent proposals by the Government to change the rules surrounding landlord licensing schemes with local councils The Mortgage Works reduces buy to let early repayment charges 06 03 2015 The Mortgage Works has announced it is to cut early repayment charges relating to all new buy to let mortgages agreed from March 06 Prime London rental values grow for twelfth consecutive month 05 03 2015 The capital s prime rental market went from strength to strength in February with values rising for the twelfth month in a row at a value of 0 2 per cent Rental demand continues to outstrip supply 04 03 2015 British landlords reap the rewards of the rental market as demand grows 11 per cent but supply drops 13 per cent in the year to January 2015 Landlords fill properties with long term renters as home ownership levels hit new low 03 03 2015 Home ownership in the UK is at its lowest level for 30 years falling to just 63 3 per cent and helping landlords to secure permanent tenants Buy to let landlords increase their equity as house prices grow 02 03 2015 UK landlords are putting 15 per cent more equity behind them to purchase new properties as house prices continue to increase Two fifths of British landlords own more than one property 27 02 2015 UK landlords are continuing to expand their portfolios amidst a thriving property market with 43 per cent owning multiple homes Number of privately rented houses in England doubles in last decade 26 02 2015 As more people choose to rent for longer the number of properties being privately rented in England has grown 19 per cent and doubled over ten years Average rents up 16 per cent in five years 25 02 2015 Rents in the UK have increased by more than 16 per cent in the past five years the latest Buy to Let Index from Your Move and Reeds Rains has revealed UK rental prices up in first month of 2015 24 02 2015 27 per cent of letting agents reported higher rental charges this January a new report from the Association of Residential Letting Agents ARLA claims House price growth extends to UK s North 23 02 2015 Northern areas of the UK are the latest cities to experience house price recovery with values up 7 9 per cent Landlord opportunities grow as number of new build properties increases 20 02 2015 The number of new homes being built in the UK has risen by 10 per cent since 2013 presenting landlords with more options to buy to let Student accommodation provides lucrative opportunity to British landlords 19 02 2015 UK landlords who rent to university students are performing well in a competitive market with 70 per cent letting all of their properties in the 2014 2015 academic year Buy to let lending increases 18 per cent in one year 18 02 2015 More than 17 000 loans were issued to buy to let investors in December 2014 up 18 per cent on the same month in 2013 Whither interest rates 17 02 2015 Simon Whittaker Finance Director offers his prediction on the future of interest rates in the UK Keystone Buy to Let Mortgages reduces 5yr rates 17 02 2015 Keystone Buy to Let Mortgages has reduced its five year fixed rates by 0 20 in both its Classic and Premier Ranges Buy to let market anticipates boom in April 17 02 2015 New pensions rulings which will be introduced this April are expected to cause a buy to let rush experts claim Landlords benefit from rising property prices 16 02 2015 Buy to let landlords enjoy stronger property investments as UK house prices are up for the beginning of the year according to Home co uk and Rightmove UK rents up two per cent as tenant demand continues to outstrip supply 13 02 2015 British landlords take home an average 836 in rent per calendar month as housing supply fails to meet tenant demand Buy to let sector outstrips rest of property market in the UK 12 02 2015 Starting 2015 with a bang buy to let was the strongest performing sector of the housing market in January recording 37 per cent growth in activity Better competition for landlords as buy to let rates are at their lowest ever 11 02 2015 More deals and lower rates in the thriving buy to let market have reintroduced competition to benefit landlords Number of buy to let investors grew by eight per cent

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/buy-to-let-mortgages/ (2016-02-16)
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  • Commercial mortgage news | Mortgages for Business
    New housing development plans face opposition from local councils 16 09 2015 According to the Residential Landlords Association RLA local councils may start to impose restrictions in order to halt the development of new housing Keystone launches range of commercial owner occupier mortgages 16 09 2015 Keystone the intermediary only lender has today launched a Commercial Owner Occupier Range which offers a pair of fixed rate deals for business owners looking to purchase or remortgage work premises Front Events brings popular Financial Services Expo to Cardiff 15 09 2015 Corporate events company Front Events has chosen Cardiff to host its Financial Services Expo for the first time in June next year Bank of England maintains Bank Rate at 0 5 11 09 2015 The Bank of England s Monetary Policy Committee has once again voted to maintain Bank Rate at 0 5 First 3 cases offered with Keystone s New Classic Range 28 07 2015 After successfully launching its New Classic Range at the beginning of July Keystone has made its first three formal offers Keystone launches New Classic Range with Landbay 01 07 2015 Keystone Buy to Let Mortgages has launched its New Classic Range with funding from peer to peer lending platform Landbay House building pledges in the UKIP Party manifesto 05 05 2015 A common thread among all the main political parties is that housing is in short supply and not enough of it is affordable Like the other parties UKIP pledges to redress the shortage Commercial property investment hit record high in Q1 27 04 2015 With 13 6 billion invested into commercial properties in the UK during the first three months of the year this section of the industry promises strong performance for prospective property investors CML predicts mortgage lending will increase over coming months 24 03 2015 As gross lending falls slightly on a monthly and annual basis experts say there is no cause for concern Mortgages for Business crowned best buy to let broker for 4th year running 23 03 2015 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 Cutting interest rates would be extremely foolish Carney issues stark warning 12 03 2015 The Bank of England Governor has warned against slashing interest rates as a remedy to putting a stop to record low inflation Whither interest rates 17 02 2015 Simon Whittaker Finance Director offers his prediction on the future of interest rates in the UK Keystone Buy to Let Mortgages reduces 5yr rates 17 02 2015 Keystone Buy to Let Mortgages has reduced its five year fixed rates by 0 20 in both its Classic and Premier Ranges UK property market will remain strong regardless of election outcome 06 02 2015 New research claims the economy is the biggest influence on the UK property market with the

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  • Property development finance news | Mortgages for Business
    the potential impact that The Mortgage Credit Directive MCD will have on house builders next year a number of developers are in talks with third party mortgage providers in a bid to avoid having to apply for Financial Conduct Authority Important compliance deadlines for landlords 01 10 2015 Landlords have been warned to ensure their tax affairs are in order by 5 October and that properties meet legal requirements for smoke alarms by 1 October in order to avoid potential fines House prices rise by 4 2 year on year 28 09 2015 The house price index results released today by the Land Registry show an increase of 4 2 year on year to August 2015 New housing development plans face opposition from local councils 16 09 2015 According to the Residential Landlords Association RLA local councils may start to impose restrictions in order to halt the development of new housing Front Events brings popular Financial Services Expo to Cardiff 15 09 2015 Corporate events company Front Events has chosen Cardiff to host its Financial Services Expo for the first time in June next year Construction industry experiences sudden decline in output 14 09 2015 Contrary to analysts predictions UK construction output fell by 1 in July on the month reversing a 0 9 increase seen in June and going against the forecasts of a 0 5 rise latest figures from the Office of National Statistics reveal Bank of England maintains Bank Rate at 0 5 11 09 2015 The Bank of England s Monetary Policy Committee has once again voted to maintain Bank Rate at 0 5 First 3 cases offered with Keystone s New Classic Range 28 07 2015 After successfully launching its New Classic Range at the beginning of July Keystone has made its first three formal offers Councils to deliver local plan by 2017 23 07 2015 Councils will have until early 2017 to produce a local plan before they have it taken out of their hands according to a recent statement from Housing and Planning Minister Brandon Lewis Keystone launches New Classic Range with Landbay 01 07 2015 Keystone Buy to Let Mortgages has launched its New Classic Range with funding from peer to peer lending platform Landbay Keystone s buy to let contract with Aldermore ends 30 06 2015 Keystone s funding contract with Aldermore Bank has ended after a very successful three years originating close to 200m in loans London plans 1 000 new rental properties 12 06 2015 Housing Minister Brandon Lewis has announced plans for the construction of more than 1 000 new homes especially for renting in London House building completions up 11pc 22 05 2015 More than 125 000 houses were built in the year to the end of March 11 per cent more than the previous year official figures show LendInvest outlines plans to enter buy to let market 13 05 2015 Peer to peer bridging lender LendInvest has unveiled plans to enter the buy to let sector in the next year April sees buy to let mortgage market consolidated 07 05 2015 The number of buy to let mortgage products available in the UK fell by more than a quarter in April the latest Buy to Let Product Index shows House building pledges in the Conservative Party manifesto 05 05 2015 All of the main political parties recognise that Britain is suffering from a severe shortage of housing and most developers are chomping at the bit to get building but will they be supported by whichever political party ies wins the forthcoming Ge House building pledges in the UKIP Party manifesto 05 05 2015 A common thread among all the main political parties is that housing is in short supply and not enough of it is affordable Like the other parties UKIP pledges to redress the shortage House building pledges in the Green Party manifesto 05 05 2015 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 manifes House building pledges in the LibDem Party manifesto 05 05 2015 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 PDR affecting development finance borrowing 25 03 2015 When looking for development finance how lenders interpret the implementation of Permitted Development Rights has thrown a spanner in the works for property developers Steve explains and looks at the current borrowing options for developers CML predicts mortgage lending will increase over coming months 24 03 2015 As gross lending falls slightly on a monthly and annual basis experts say there is no cause for concern Cutting interest rates would be extremely foolish Carney issues stark warning 12 03 2015 The Bank of England Governor has warned against slashing interest rates as a remedy to putting a stop to record low inflation Landlord opportunities grow as number of new build properties increases 20 02 2015 The number of new homes being built in the UK has risen by 10 per cent since 2013 presenting landlords with more options to buy to let Whither interest rates 17 02 2015 Simon Whittaker Finance Director offers his prediction on the future of interest rates in the UK Keystone Buy to Let Mortgages reduces 5yr rates 17 02 2015 Keystone Buy to Let Mortgages has reduced its five year fixed rates by 0 20 in both its Classic and Premier Ranges Better competition for landlords as buy to let rates are at their lowest ever 11 02 2015 More deals and lower rates in the thriving buy to let market have reintroduced competition to benefit landlords UK house prices experience biggest start of year increase since 2009 09 02 2015 Property prices in the UK have grown two per cent during January representing

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  • Bridging finance news | Mortgages for Business
    and further demonstrates the strength of this sector after data recently revealed that regulated bridging loans had increased b Council of Mortgage Lenders report drop of 16 in interest only loans 05 10 2015 Latest figures from the Council of Mortgage Lenders CML show a 16 decline in interest only loans Vince Cable comes out in support of Chancellor s crackdown on Buy to Let market 02 10 2015 Vince Cable has openly supported Chancellor George Osborne s decision to tighten up mortgage tax relief for buy to let landlords stating that further restrictions to landlords tax incentives are very likely Important compliance deadlines for landlords 01 10 2015 Landlords have been warned to ensure their tax affairs are in order by 5 October and that properties meet legal requirements for smoke alarms by 1 October in order to avoid potential fines House prices rise by 4 2 year on year 28 09 2015 The house price index results released today by the Land Registry show an increase of 4 2 year on year to August 2015 Heavyweight lender Jerrold Holdings Group announces new brand identity 21 09 2015 Following months of industry speculation Together has been revealed as the new name for the specialist lender Jerrold Holdings Group Aldermore expands bridging offering 17 09 2015 Aldermore has loosened its bridging loan offering by reducing its minimum valuation for light refurbishment down to 75 000 from 100 000 New housing development plans face opposition from local councils 16 09 2015 According to the Residential Landlords Association RLA local councils may start to impose restrictions in order to halt the development of new housing Front Events brings popular Financial Services Expo to Cardiff 15 09 2015 Corporate events company Front Events has chosen Cardiff to host its Financial Services Expo for the first time in June next year Bank of England maintains Bank Rate at 0 5 11 09 2015 The Bank of England s Monetary Policy Committee has once again voted to maintain Bank Rate at 0 5 Keystone launches Short Term Finance Range 01 09 2015 Keystone Buy to Let Mortgages has launched its new Short Term Finance Range with funding from Lancashire Mortgage Corporation First 3 cases offered with Keystone s New Classic Range 28 07 2015 After successfully launching its New Classic Range at the beginning of July Keystone has made its first three formal offers Keystone launches New Classic Range with Landbay 01 07 2015 Keystone Buy to Let Mortgages has launched its New Classic Range with funding from peer to peer lending platform Landbay CML confirms more buy to let mortgages advanced in March 20 05 2015 New figures reveal a 21 increase in the number of buy to let loans and a 35 increase in their value compared to one year ago LendInvest outlines plans to enter buy to let market 13 05 2015 Peer to peer bridging lender LendInvest has unveiled plans to enter the buy to let sector in the next year

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/bridging-short-term-finance/ (2016-02-16)
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  • Residential mortgage news | Mortgages for Business
    interest rates at 0 5 and that its monetary easing program will remain unchanged Contrary to rate rise speculation mortgage rates drop to record low 04 11 2015 Mortgage rates are currently at some of the lowest levels recorded in spite of continued speculation that Bank Rate will rise next year October sees house prices rise by 0 6 29 10 2015 House prices were on the rise again in October taking the annual rate of price growth to 3 9 from 3 8 in September September figures show mortgage approvals up by 24 26 10 2015 Latest figures from the British Banking Association reveal that the number of mortgage approvals climbed by 24 year on year in September 2015 with remortgaging up by 40 and the number of house purchases up by 14 Bank of England votes to leave interest rates unchanged at 0 5 09 10 2015 Following a meeting this week the Bank of England s Monetary Policy Committee MPC voted to maintain the current Bank Rate of 0 5 in order to meet the 2 inflation target and help sustain growth and employment September house sales strongest since 2007 08 10 2015 Data released today by the LSL Property Services Acadata House Price Index reveals that house sales were at an eight year high last month with September 2015 registering as the strongest month since 2007 Council of Mortgage Lenders report drop of 16 in interest only loans 05 10 2015 Latest figures from the Council of Mortgage Lenders CML show a 16 decline in interest only loans Vince Cable comes out in support of Chancellor s crackdown on Buy to Let market 02 10 2015 Vince Cable has openly supported Chancellor George Osborne s decision to tighten up mortgage tax relief for buy to let landlords stating that further restrictions to landlords tax incentives are very likely Aldermore lowers buy to let and residential mortgages rates 30 09 2015 Aldermore s cuts to its buy to let and residential mortgage rates include the launch of the Bank s lowest ever two year fixed rate residential mortgage Remortgage approvals jump 29 in a year 29 09 2015 New data released today from the Bank of England shows that mortgage approvals for home buying were at an 18 month high in August while remortgage approvals have risen by 29 over the past year House prices rise by 4 2 year on year 28 09 2015 The house price index results released today by the Land Registry show an increase of 4 2 year on year to August 2015 Expert believes current housing market mirrors that of 1998 24 09 2015 Looking at wider economic cycles Jeremy McGivern managing director of Mercury Homesearch and prime London property expert has compared today s housing market to that of 1998 seeing potential for steady price rises before the market booms again Heavyweight lender Jerrold Holdings Group announces new brand identity 21 09 2015 Following months of industry speculation Together has been revealed as the new name for the specialist lender Jerrold Holdings Group Bank of England maintains Bank Rate at 0 5 11 09 2015 The Bank of England s Monetary Policy Committee has once again voted to maintain Bank Rate at 0 5 Aldermore improves let to buy lending criteria 10 09 2015 Aldermore Mortgages has announced the latest changes to its let to buy criteria enabling home owners to purchase a new owner occupied property while retaining their original home as a buy to let 78 of home owners on variable rate mortgages fail to budget for rate rise 08 09 2015 Despite anticipating a rate rise in the next 12 months the majority of variable rate borrowers are not budgeting for an increase in their mortgage payments a survey revealed this week Bank Rate speculations spark mortgage rate rises 06 08 2015 Speculation of a rise in Bank Rate has driven some lenders to increase their pricing Keystone launches New Classic Range with Landbay 01 07 2015 Keystone Buy to Let Mortgages has launched its New Classic Range with funding from peer to peer lending platform Landbay Mortgage products up 19 per cent in UK 27 05 2015 The number of available mortgage products has grown by almost one fifth in the last year reaching their highest level since the 2008 recession House building completions up 11pc 22 05 2015 More than 125 000 houses were built in the year to the end of March 11 per cent more than the previous year official figures show Long term renting could be reality for Brits as home purchases require double the average salary 08 05 2015 Brits looking to join the property ladder could be in for a long wait as average salaries of 41 000 are needed to buy a home House building pledges in the Conservative Party manifesto 05 05 2015 All of the main political parties recognise that Britain is suffering from a severe shortage of housing and most developers are chomping at the bit to get building but will they be supported by whichever political party ies wins the forthcoming Ge House building pledges in the UKIP Party manifesto 05 05 2015 A common thread among all the main political parties is that housing is in short supply and not enough of it is affordable Like the other parties UKIP pledges to redress the shortage House building pledges in the Green Party manifesto 05 05 2015 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 manifes House building pledges in the Labour Party manifesto 05 05 2015 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 House building pledges in the

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