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Category: BUY TO LET
BUY TO LET
Consumer Buy To Let
In the UK mortgage market, “Consumer Buy-to-Let” (CBTL) refers to a specific category of buy-to-let (BTL) mortgages that are regulated differently compared to standard buy-to-let mortgages. The distinction primarily relates to the borrower’s intention and circumstances under which the property is being rented out. Definition and Criteria A Consumer Buy-to-Let mortgage is designed for landlords… Read more
Interest coverage ratio (ICR) explained
The interest coverage ratio (ICR) is a financial metric used to assess a company’s ability to pay interest on its outstanding debt. It is calculated by dividing a company’s earnings before interest and taxes (EBIT) by its interest expenses for the same period. The formula is: Interest Coverage Ratio=EBITInterest Expense\text{Interest Coverage Ratio} = \frac{\text{EBIT}}{\text{Interest Expense}}Interest Coverage Ratio=Interest ExpenseEBIT​ Importance of the… Read more
Average rental prices for UK’s major cities
Here is a general overview of average rental prices for properties in major cities across the UK, as at July 2024. Please note that these figures can vary depending on factors such as property type, location within the city, and market conditions: These figures are intended as a general guide and may vary based on… Read more
Understanding HMOs and Their Impact on Mortgages
The property market in the UK offers various investment opportunities, with Houses in Multiple Occupation (HMOs) being a popular choice for landlords seeking higher rental yields. However, HMOs come with specific regulatory requirements and implications for mortgages. This article explores what an HMO is, the legal requirements for operating one, and how HMOs affect mortgage… Read more
The top 10 places in UK with best rental yields in 2024
In 2024, several UK cities and regions offer attractive rental yields for property investors. Here are the top ten locations currently providing the highest rental yields: These locations highlight the regional disparities in rental yields across the UK, with Northern and Midlands cities offering some of the highest returns for buy-to-let investors. While London and… Read more
Is it better to buy a one bedroom or two bedroom apartment as an investment?
When deciding whether to invest in a one-bedroom or two-bedroom flat in the UK, several factors must be considered to determine which option is better suited for your investment goals. Here’s a detailed comparison of one-bedroom versus two-bedroom flats: 1. Rental Demand and Market Appeal 2. Rental Yields 3. Purchase Price and Affordability 4. Capital… Read more
Understanding rental yields: Demystifying Rental Yields: Understanding Their Significance in the UK Property Market
Introduction: Rental yields are a key metric used by investors to assess the profitability of a property investment. In the UK, where the real estate market is dynamic and diverse, understanding rental yields is essential for both seasoned investors and those considering entering the property market. This article aims to elucidate the concept of rental… Read more
Property hotspots for 2025
he UK property market is ever-evolving, influenced by factors such as economic trends, demographic shifts, and regional development initiatives. As we look ahead to 2025, certain areas are emerging as potential hotspots for property investment, offering promising opportunities for capital growth and rental yields. Whether you’re a seasoned investor or a first-time buyer, understanding these… Read more
How to become a landlord
Becoming a landlord in the UK can be an attractive investment opportunity, offering potential for rental income and long-term capital growth. However, navigating the complexities of the rental market and understanding legal obligations can be daunting for first-time landlords. Whether you’re considering renting out a property as an additional income stream or expanding your property… Read more
Green party announce their housing policy for July election
The Green Party’s housing policy for the July 2024 UK election emphasizes creating sustainable, affordable housing while prioritizing environmental and social considerations. Key aspects of their policy include: Overall, the Green Party’s housing policy aims to address the housing shortage in the UK through sustainable practices, enhancing affordability, and supporting community development. Read more