The thoughts that an average buy-to-let (BTL) investor is someone who wanted to get a better return on investment (ROI) by trying BTL with one or two properties, has undergone a radical change in the past eighteen months. Tax changes and affordability testing have changed the landscape. The easier pickings in terms of yield [...]
Virgin Money have deals available up to 80% LTV for both purchase and remortgage applications, and up to 75% LTV for portfolio landlord applications. So there’ll be something for everyone in their buy-to-let product range. To find out more, visit the website, talk to your dedicated Business Development Manager or contact your Regional Service [...]
A recent IMLA’s study: ‘Last-Time Buyers: the challenges and opportunities for 55+ homeowners wanting to move’, found that nearly 200,000 owner occupier housing transactions in England are now made by the over-55s, or so-called last-time buyers (LTBs). At Buckinghamshire Building Society we have long been a lender that supports older borrowers offering a range [...]
It is a requirement for Foster Carers to be registered as self-employed and submit an SA302 however, the SA302 will only state the income received after allowances have been applied. Currently, Foster Carers receive the following tax-free earnings: Tax exemption There is a fixed tax exemption of up to £10,000 per year (less if [...]
Almost a year on since the launch of the Voluntary Right to Buy scheme pilot in the Midlands, it’s in serious danger of being considered a failure. The Ministry of Housing, Communities and Local Government confirmed that as of June 2019, just 184 sales had been completed and 5% of the allocated £200m pot [...]
We'll consider BTL remortgages with capital raising for personal use up to 75% LTV including debt consolidation. 4% BTL affordability rate available on: Remortgages without capital raising (all products); Purchase or remortgages with capital raising (5 year fixed products only). If at least one applicant's income tax band is 20% or less, we'll use [...]
Here at Foundation Home Loans we classify ourselves as a specialist lender but what does this title really mean? Buy-to-let is now widely considered to be a well-established part of the lending furniture. It plays a major role in the general UK housing market and with so much activity, volume and demand there could [...]
We know that in this day and age, things are rarely black or white. You need a lender who can be flexible. If you have a complex case, our clued-up team of mortgage underwriters and Relationship Partners are ready to talk things through. We’ll guide you and your clients, every step of the way. [...]
Pepper Money have commissioned extensive research to shed light on the world of adverse credit, to encourage greater understanding and to support more open discussion. Based on ONS data and their own research, Pepper Money estimate that 1.26 million people with adverse credit are looking to buy a property in the next 12 months [...]
Fast & Flexible Funding – Award winning expert Bridging Solutions Speed is often the key to success and Crystal are always on the case with Bridging Finance. Our award winning team of experts specialise in providing fast and flexible solutions for urgent lending needs so you can be sure of a speedy completion. QUESTION: How many [...]
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