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  1. As you may know, when buying a property in an SPV Limited Company, the directors and shareholders are frequently required to sign personal guarantees. The personal guarantee requirement is compulsory, except in exceptional cases where the Loan to Value (LTV) is very low. A personal guarantee is a backstop - if the asset depreciates or missed payments. The lender has the equity (minimum 15% Deposit) as a safety buffer first. After that, they will ask you to repay any losses personally. In recent times the buy-to-let mortgage market has seen a significant switch in how landlords b
  2. Hi there, we are looking to purchase a buy-to-let in Glasgow. My partner is from there and his sons live there. We have a few buy-to-lets in Nottingham, but our broker does not understand the Scottish system and the lenders he uses with don't work with freehold flats - this is much more common in Scotland than it is down south where flats tend to be leasehold. Can anyone recommend a broker in Glasgow? Thanks in advance, any help would be much appreciated.
  3. Hi All, Hoping for some advice, and also hoping my ramblings make sense! Current Situation - My Dad and I are 50/50 owners of a flat with a very small remaining mortgage. Property is worth c£170k Hopeful Situation - Looking at the possibility of me purchasing Dad's half of the property by taking out a new mortgage (Buy to let or other), releasing some of equity for 2 purposes 1) for Dad to enjoy retirement etc and 2) allowing me to use the equity for a deposit for my own house. The intent is to have Dad remain in the flat as a tenant to me, paying below market rent but enou
  4. Hi All, I'm using ROI, amongst other metrics, to determine if it's worth investing in a given buy-to-let property or not. However, I'm struggling with a couple of things, which are related, and as a newbie, I'd love your input on them. I see most of the people using ROI, and even many calculators online or spreadsheet, don't include capital growth in their ROI calculations. I'm not sure I understand why they wouldn't include capital growth in their calculations. Yes, it's impossible to predict, but on average it's fair to say you could use a 3.5% capital growth in your calculation.
  5. Hi all, I am contemplating my first buy-to-let investment and I am wondering if I should be targeting a city flat to or a bigger 3 to 4 bedroom family home with garden. I am thinking about investing in Birmingham or one of the other midlands or northern investment areas recommended by Property Hub. Which property type would you chose and why? Thank you. Barry.
  6. Hi All, Attention all residential buy-to-let property investors! I am currently completing dissertation on how residential buy-to-let property investors adapting to the recent tax changes to industry. If you are a residential buy-to-let investor, keen to hear from you on your thoughts and opinions in support of the dissertation. Please like and share survey to those of interest in your network so as many responses can be generated in support of my MSc Dissertation thesis. https://www.surveymonkey.co.uk/r/BRDKQK7 Kind regards, Simon
  7. Hi, new to the exciting world of property. We have set a company up but need some adcice on accountants and brokers any suggestions are welcome! Thanks in advance!
  8. LendInvest is launching a range of buy-to-let loans aimed at professional landlords and investors. The specialist lender, which to now has focused on bridging and development loans, says these new BTL mortgages will be “competitively priced” and include two-, three- and five-year fixes. Rates start at 3.69 per cent for a two-year fix at 60 per cent LTV. The firm will offer loans of between £50,000 and £5m, up to a maximum LTV of 80 per cent. “Offering BTL loans is a critical strategic step that not only serves to addresses a funding shortage, but takes us close to our l
  9. Close family member passed away 4yrs ago and left myself and a sibling the property in the Will. In the Will there was a covenant that stipulated the deceased's partner could remain living in the property until their death/left of their own free will or met someone else. I would like to raise a small deposit somehow on this property left to me and a sibling. All parties are in agreement but how do we do it ?
  10. Hi, I though i would put the feelers out and connect with local investors and see how we are faring. If like me you could talk property all day but struggle to find someone as enthusiastic then drop me a email/message. Thanks Greg Ashall greg_ashall@yahoo.com
  11. Hi everyone, I live in London and the rent I pay at the moment is much lower than the mortgage I would pay to buy the same kind of property here (like 40% cheaper). So, I'm thinking to invest my money in a buy-to-let somewhere else and keep renting in London. But I cannot find enough information online to understand if it's a good idea: Will lenders allow me to do buy-to-let as a first investment? Will I lose the the ability of using only the 10% deposit when I will buy my own house in the future? How will the Stamp Duty work? Will I pay less in the first buy-to-l
  12. Hi everyone, I would be hugely grateful for some advice about the desirability of certain Nottingham areas, as I am looking to invest max. 100k in my first buy-to-let property. There seem to be some good deals in Hyson Green, but does anyone know what the rental market is like there? Do students avoid it? Similarly, are there parts of Forest Field and Basford that you'd recommend as being more appealing than others? Huge thanks to anyone who can give advice on these. Cheers, Kat
  13. Hi guys, I am new here (and in the property business) - in fact I am a bloody rookie. I did read a book, and listened to many episodes of the Property Hub podcast but they always emphasize how important it is to have good connections. So here I am looking for exactly these! As we are expats in Germany we are looking for a specialist in mortgage and also a letting agency who can provide us with profound help. The perks of being a flight attendant also allow us to fly into the UK for a brief visit and introduction but we need to otherwise be quite hands off. If anyone here is in the Ma
  14. Hi guys I will be needing the services of a company to manage a future property in Glasgow. Does anyone have experience with any of the companies there and who I should contact (and also those I should avoid). Much appreciated! Cheers, Andy
  15. Hi guys. While I have an Irish passport and am often in the UK for work, I live mostly in sunny South Africa. I have a couple buy-to-let properties in South Africa already, but very keen to start growing my UK portfolio (Edinburgh and Glasgow to be more specific). I have a UK bank account and I will have the 25% deposit required for the buy-to-let property. My concern is more about getting the mortgage for the remaining 75% without UK payslips, not being on the electoral roll, no national insurance number, etc. I was looking at a few options and would
  16. Hi everyone my name is Jamie and thought I would introduce myself! I am a part of a new prop-tech startup from Bristol called Bunk. Bunk is the UK’s first end-to-end lettings ecosystem, connecting landlords with pre-verified tenants to make your entire journey effortless. From finding tenants, to signing contracts, collecting rent and reporting maintenance - Bunk handles it all. Through the benefits of digitisation, we automate the rental journey to provide a seamless, hassle-free experience for everyone. We provide the tools for everyone involved to manage
  17. Hi All, Attention all residential buy-to-let property investors! I am currently completing dissertation on how residential buy-to-let property investors adapting to the recent tax changes to industry. If you are a residential buy-to-let investor, keen to hear from you on your thoughts and opinions in support of the dissertation. Please like and share survey to those of interest in your network so as many responses can be generated in support of my MSc Dissertation thesis. https://www.surveymonkey.co.uk/r/BRDKQK7 Kind regards, Simon
  18. Dear All I am interested in purchasing a buy-to-let somewhere in Manchester where I am originally from. I have done quite a significant amount of reading on property investment but I know this is just the beginning of a long, arduous journey. No doubt there will be a few ups and downs along the way. Being so far away I can't help but think of using the services of a property sourcer, such as Assetz and Sequre, although I understand they charge an upfront fee for each purchase. Assetz has presented me with an opportunity to buy a studio (62k) or one bedroom apartment (78k) in Stockport
  19. Hi, Can anyone advise me on the following SDLT i would pay on the below property as a first time buyer who is buying a Buy-to-let property. Purchase Price - 117,000GBP Buy-to-let property Leasehold flat Off plan property - Complete June 2018 Thanks, Eamon
  20. Good morning all! I've come here hoping to get a bit of advice as a newbie to property investment but first need to tie up my own situation, so I'll jump right in. In 2014 I purchased our first home (a cottage) 2 bedroom. In 2015 my wife and I found out we were having a baby. Towards end of pregnancy we moved in with parents as wife needed extra help while I worked away at sea. We rented our property out. 2016 baby is born, I decided I need to progress my career and saved for further education within my field. I saved and passed all exams. 2017 2n
  21. Hi, Can anyone advise me on the following SDLT i would pay on the below property as a first time buyer who is buying a Buy-to-let property. Purchase Price - 117,000GBP Buy-to-let property Leasehold flat Off plan property - Complete June 2018 Thanks, Eamon
  22. I read this today, been aware of this rise in demand the last couple months. "Mortgage brokers are being warned that they could be struck off lending panels if they are complicit in providing buy-to-let loans on properties that are being used for holiday lets. Following recent changes to landlord taxation, there has been a surge in lettings through the holiday let rental market using websites like Airbnb and Gumtree. The fall in the pound post the Brexit vote is persuading thousands of Britons and foreign visitors to seek short-stay accommodation in the UK.
  23. Barclays is now taking buy-to-let applications from first-time buyers and non-owner occupiers. The changes mean customers no longer need to own a residential property when buying or remortgaging a buy-to-let property with the lender. This is pretty good, had a lot of clients come to me requesting a BTL but do not own a residential, very difficult to place, especially for FTB. I doubt it will be a walk in the park with a high street lender such as Barclays but always good to see competition between lenders.
  24. Dear Property Hub Members, I would be grateful if someone could recommend a Manchester sourcing agent, suitable for sourcing a small apartment block, or property with multiple individual units, budget c. £800,000. Thank you A.O.
  25. For those with individual properties worth more than £500k held within a Ltd. Company you may wish to read this article in The Telegraph: http://www.telegraph.co.uk/tax/news/hidden-mansion-tax-could-cost-buy-to-let-investors-thousands/ Another great reason to be investing in the Northern Powerhouse and especially Gods County - Yorkshire! Where investment properties don't tend to exceed £500k ;o)
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