Specialist mortgages?

If we were in doubt that Government policy could considerably shift the dial regarding the UK’s housing and property markets, then we need to look at what has happened within the buy to let sector since the mid-2010s.

Driven by tax efficiencies, financial planning benefits, and expanded lending opportunities, the shift towards landlords holding properties within a limited company structure has become increasingly evident in recent years.

In recent years, tax and regulatory changes in the UK have significantly impacted the buy-to-let market, favouring professional landlords with extensive portfolios and long-term investment strategies. 

The UK buy-to-let market continues to witness a significant shift towards the use of limited companies for property ownership and management. A shift which was highlighted in the Pegasus Insight Landlord Trends research report for Q2 2024.

Coming into 2024, there was little surprise in the fact that a record number of buy-to-let companies had been set up over the course of the year. 

There’s no doubting 2023 was a challenging year for landlord borrowers and that a much higher interest rate environment presented the bulk of those challenges, particularly for those who were coming off deals and rates from two/three/five years’ back when we had historically low rates.

The fact that 2023 saw a record number of buy-to-let companies being set up is likely to come as no surprise to intermediary firms who have had any landlord interaction over the past few years

The dynamics of the buy-to-let sector continue to change in line with economic influences, market forces, not to mention landlord and tenant demands. 

As we enter the Autumn season following an unexpected early September heatwave, it's a crucial period for the BTL sector, which has faced a fair share of heat from various angles, including the market, economic factors, and interest rates.

In our Q2 BTL barometer, brought to you in conjunction with the latest BVA BDRC Landlord Panel research, we evaluate the trends which are impacting your landlord clients and how their portfolios are currently shaping up.

Given the significant economic upheaval witnessed in recent times, many landlords throughout the UK have undertaken a thorough review of their financial standing, the efficacy of their property portfolios, and, in certain instances, reconsidered their short-term, medium-term, and long-term buy to let objectives.

It’s fair to say that our working lives, the way get paid and the jobs we do is changing, recent research by Censuswide revealed that one in 10 UK employees which is approximately 4.5 million people were considering taking a second job or already have done

There may have been a perception that ‘accidental’ or more ‘unintentional’ landlords make up a high proportion of the landlords’ community, our data reveals the truth

The data reveals that two-thirds of landlords arranged their most recent BTL mortgage via a mortgage intermediary – discover who needs your help

Are landlords planning to reject properties with poor EPCs? And what are their plans to cover the improvement costs? Our latest landlord panel reveals…

There’s no denying that landlords and their tenants are living in some challenging times. However, strong rental yields and diminishing void periods are contributing to profitability.

How many current private rental sector (PRS) properties have an EPC rating of below C, are at threat of not being lettable after the 2025 or 2028 deadlines?

As portfolios professionalise, how many landlords plan to buy in an SPV/limited company this year? Our latest survey data revealed. 

Over two-thirds of landlords (68%) say they would now be less likely to purchase a property if it has an Energy Performance Certificate (EPC) rating of below C – the level at which anticipated legislation is likely to be introduced for all new and existing private rental sector tenancies from 2025 onwards.

Rental yields and tenant demand are holding firm for landlords’ property investments, however profitability of portfolios was slightly down on the previous quarter, according to the latest Q4 2022 BVA BDRC Landlord Panel research report.

Maintaining any kind of barometer across the mortgage market over the past few weeks has been neigh on impossible due to the high levels of volatility and turbulence experienced across all sectors.