Category: Blog Post

05 Jul

Upcoming EPC changes and renovations for older housing stock

With the proposed deadline to meet the Energy Performance Certificate (EPC) requirements for rental properties only a couple of years away, many landlords throughout the UK are currently in the process of assessing their property portfolios and weighing up the cost of renovations to ensure they can satisfy the forthcoming changes.    The regulations, which […]

13 Jun

Debunking the myth you can’t get a mortgage with poor credit

Understanding the world of mortgages can be difficult at the best of times. If you have bad credit, it’s important to remember that contrary to what you might have heard already, you can still apply for a mortgage. Let’s take a look and debunk some of the myths you might have heard.  Myth #1. Mortgage […]

26 May

Considering adding an HMO to your property portfolio?

Have you considered adding a House in Multiple Occupation (HMO) to your property portfolio? Nowadays, many landlords looking for ways to maximise yields and minimise risks are turning to HMO properties. Here are five reasons why: The main attraction of HMOs is that rental yields can be up to 20% higher than for a typical […]

05 May

Broker advice crucial as affordability crisis worsens

The recent announcement by the Bank of England that the base rate was to rise for the fourth time in five months did not really come as much of a surprise. With the rate of inflation at a 30-year high and expected to have reached 7.25% in April, the move by the bank to contain […]

04 May

Moving into buy-to-let: How do I become a landlord?

Taking your first step on the buy-to-let mortgage ladder is as exciting as it is daunting. Paul Brett, MD of Landbay for Intermediaries has the answers to the top questions on every would-be landlord’s lips. Buying property to rent out can be a lucrative business if you own lots of properties or it could be […]

29 Apr

Time to prepare for EPC changes

Regulations requiring all rental properties to have an EPC rating of C or above for new tenancies come into force in 2025, before extending to include all tenancies by 2028. This has significant financial ramifications for buy-to-let landlords, who are now required to carry out renovations to ensure their properties meet the legal requirements by […]

13 Apr

Buy to let ‘Tax Guide: UK tax relief on finance costs’

Kent Reliance for Intermediaries has worked with EY on the tax aspects of this guide which has been created to aid broker knowledge. The full implications of the restriction to the deductibility of finance costs for individual landlords (introduced and phased in as of 6 April 2017) are now being felt by landlords. The full […]

30 Mar

To fix or not to fix?

Mortgage rates have been rising in recent months. The Bank of England (BoE) raised interest rates again on March 17 with the intention to counter an expected global surge in inflation caused by rising fuel prices due to Russia’s war in Ukraine. The bank’s Monetary Policy Committee (MPC) voted to increase the bank rate by […]

10 Mar

How can I improve my credit score?

Your credit score is one of the most important measures of your financial health. It tells lenders how responsibly you use credit. The better your score, the easier you will find it to be approved for new loans or new lines of credit, as well as your ability to successfully get a mortgage. However, your […]