Congratulations on taking the first step in your property investing career!

It's a big step but one that could change your life.

There are lots of things to think about and its important that you do things right.  Learn from others who have made mistakes so you don't have to make the same ones!  Access our Expert Panel to connect with our experts for free of charge advice.  

The fundamentals of property investing are the nuts and bolts of your business. Ensuring that you have a great team around you will help towards your success. 

Understanding the legal aspects of buying a property and having a great conveyancing solicitor in place is really important. Also having access to the right finance is the key to securing those great deals once you find them.

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TOP SLICING FOR BTL MORTGAGES

Do you have a potential rental shortfall which could prevent you obtaining a Buy to Let mortgage?   HAVE YOU HEARD OF TOP-SLICING WHEN IT COMES TO BUY TO LET MORTGAGES?TOP SLICING IS WHERE A LENDER WILL ACCEPT SURPLUS INCOME TO COVER ANY RENTAL SHORTFALLTOP SLICING FOR BTL MORTGAGES Allows applicants to utilise surplus personal earned income to support their BTL application Top-slicing must be evidenced by income and expenditure - minimum individual income on these applications is £50,000 for single, or £75,000 on joint incomes Up to maximum of 4 applicants considered Rental income (including any top-slicing) must provide 140% cover of the mortgage interest amount calculated at a 5.5% stress rate. Surplus earned income can be considered where the rental income is equal to, or greater than 100% cover of the mortgage interest amount calculated at the lenders 5.5% stress rate. Max age at the end of the...
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Nationwide announces interest rate cut

Nationwide have announced this week that they have cut rates on some fixed rate mortgages by up to 0.50% and some tracker rates by up to 0.70% whilst other lenders have been busy amending their own product ranges. This amount of activity from so many lenders has many believing an increase in the Bank of England base rate is more likely than at any time since the rate was dropped to its previous all-time low of 0.50%. This of course adds more fuel to the fire that an increase in interest rates is due this week.An upwards move to the interest rate on Thursday would draw to a close the longest period in living memory without an interest rate rise, with the last in July 2007, when rates increased to 5.75%.By announcing early Nationwide could be looking to capitalise on homeowners who may be worried about what a potential rise...
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Man vs. Machine

  Millennials, those born roughly between 1980-2000 (en.wikipedia.org/millennials) are exceptional in many ways. They are generally better educated than their predecessors, more ethnically diverse, and more economically active. Yet they confront greater difficulties; financial worries take many guises, from university graduates struggling with debt to saving for their first home. In recent years we’ve seen a shift in responsibility for financial matters from the state and employer to the individual and it is becoming increasingly important that Millennials are equipped with the knowledge to make confident, informed decisions about their financial future. As we progress through life, we are faced with different financial challenges. Everyone needs help to make the most of their money so they can live life to the full and achieve their goals. As a generation carrying new personal financial responsibility, it is critically important for Millennials to be on a path leading toward financial security.For those...
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A Guide to Buy-to-Let Mortgages

These days, it’s more important than ever to make 100% sure that you have thoroughly understood the numbers behind a buy to let property, particularly when it comes to your mortgage. With this in mind, here is a brief guide to buy to let mortgages.Buy to let mortgages work differently depending on whether or not you are a limited companyEven though lenders assess potential borrowers on the basis of the rental income they (expect to) receive from the property, in a worst-case scenario; they can make a claim against a private individual’s personal property. They can, however, only claim against the assets of a limited company rather than the property of the people who own the company and have to take this fact into consideration when deciding whether or not to do business with them.Landlords with more than three mortgaged properties must have their whole portfolio assessedThis regulation comes into...
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Do you know the legal requirements of being a landlord?

As a landlord, it is your sole responsibility to ensure that you meet all legal requirements.  You can't blame lack of awareness or your letting agent.  It is down to you - if you don't meet these requirements you could face prosecution. It's a scary thought; so, knowledge is the key.  Even if you have a letting agent managing your property, make sure that you are familiar with your legal responsibilities and you'll be covered.We have updated our legal checklist and it is available for download. It covers items such as: Gas Safety Electrical Safety EPC's and the new 2018 regulations Deposit Protection Deregulation act And much more...  If you want to make sure that you are meeting your legal requirements as a landlord then....Download our legal checklist to make sure you have everything covered (updated September 2017)
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