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.

Click the icons above to go to the section of interest. 

Let It Be?

New rules on tax relief and loan affordability being implemented in April will hit the profits of many buy-to-let investors.It has been a strong decade for UK property prices and rental incomes. Despite a marked dip in the second half of 2016, rental prices have still risen by around 30% since 2010. (Back in mid-2016 that figure was closer to 40%.1) Low interest rates and regulatory tailwinds have encouraged many landlords to increase the number of buy-to-let properties they own, while the UK’s economic and jobs recovery has helped to keep rental demand buoyant.Yet the tide appears to be turning. New rules due to be implemented from April will phase out higher rate tax relief on mortgage interest for buy-to-let. The maximum relief for higher rate taxpayers will ultimately fall to 20% in 2020.2 The impact of the drop may be substantial.“The tax changes that will start taking effect from April...
Rate this blog entry:
Continue reading
3147 Hits
0 Comments

Bridging Finance: A Lifeline for Buy-to-Let Landlords?

  With each passing year, getting business done seems to become that little bit harder for buy-to-let landlords. Or at least, those looking to expand their property portfolios, or perhaps get into the sector for the first time. As it stands, more landlords than ever before are finding themselves instinctively turning to alternative financial products and services, in order to make any headway whatsoever in the private rental sector. Much of the spike in bridging loans activity as of late can of course be attributed to the Bank of England’s decision to make it more difficult than ever before to get hold of buy-to-let financing – primarily due to stricter affordability tests and tighter borrowing rules. The figures are relatively self-explanatory. According to a recent report published by MTF, somewhere in the region of 85% of all brokers have been unable to find suitable buy-to-let financial products for at least...
Rate this blog entry:
Continue reading
2901 Hits
0 Comments

Landlord legal expenses explained

Every good landlord worth his or her salt will have considered the benefits of legal cover or insurance before letting their property to tenants or placing it in the hands of an agent. While nobody wants to think about the possibility of lengthy disputes, rising legal costs, and the threat of repossession, it is important for landlords to protect their property – and their own financial responsibilities – in case the worst happens. No matter how amicable things may seem in the beginning, it is vital that landlords protect their assets and rights with legal expenses cover. What does this involve? Landlord legal expenses: The FAQ Although it is not exhaustive, the following FAQ should help landlords to decide whether legal expenses cover is for them whilst providing some insight into what this kind of insurance offers. While grievances with tenants can be a nightmare, landlords also need to think...
Rate this blog entry:
Continue reading
5833 Hits
0 Comments

All about MEES: a guide to minimum energy efficiency standards

If you are a current landlord or you are considering taking on a buy to let, you’ll need to be aware of the new legal standard for minimum energy efficiency effective from April 2018. The new regulations make it illegal to grant new leases of energy inefficient commercial or domestic properties in England and Wales after 1st April 2018. The regulations do not apply to sales, but if you are considering buying a property to let and the Energy Performance Certificate (EPC) rating is below E, as of 1st April 2018, for new tenancy agreements, you’ll need to meet the required standards before you can rent the property out. This is one of the most fundamental pieces of legislation in recent years affecting the rental potential of UK properties. Under the MEES regulations landlords will face a hefty penalty if they let a property with an F- or G-rated EPC....
Rate this blog entry:
Continue reading
4162 Hits
0 Comments

Will my completed IVA affect my chances of getting a mortgage?

An IVA is an effective debt solution, there to assist those struggling to make the minimum monthly repayments on ‘problem debt’ that they may have and looking for a way to cut out negotiations with lenders. If you are considering an IVA, or attempting to discern if you qualify for one, then it’s also a good idea to look into how this debt solution could affect you when obtaining a mortgage.  So, will a completed IVA affect your chances of getting a mortgage? The short answer is yes.   Your credit score is affected   An IVA significantly affects your credit score, and while completing your repayments you will notice your credit score drop. This drop in number will continue to impact you until you start rebuilding your credit again. You will also be unable to take out credit of more than £500 without the permission of your insolvency practitioner,...
Rate this blog entry:
Continue reading
5236 Hits
0 Comments