When buy-to-let 投資家s 購入(する) a 所有物/資産/財産, they are looking for two things: a good income from rent, and the 可能性のある for house price growth. With the help of data from Lomond, we 明らかにする/漏らす the 場所s which 誇る the strongest 賃貸しの 産する/生じるs for landlords - 同様に as considering where might be the best 位置/汚点/見つけ出すs for 資本/首都 growth.
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'Higher mortgage 率s are the final nail in the 棺 for some landlords' - what higher costs mean for buy-to-let
The buy-to-let market has been 乱打するd by rising mortgage 率s - but for many landlords this just means a good buying 適切な時期. Around a third of landlords (人命などを)奪う,主張する they ーするつもりである to sell a 所有物/資産/財産 within the next 12 months, によれば the comparison 場所/位置 Uswitch. However, while 投票s and 調査するs often 示唆する that landlords are 長,率いるing for the 出口, there is no 証拠 of a large 規模 exodus so far.
New build house prices にわか景気d 17% last year while older homes dipped: Our 地図/計画する shows price gap in YOUR area
The cost of the 普通の/平均(する) new build in the UK rose by a staggering 17.2% in the 12 months to November 2023, によれば the 最新の 政府 data. 歴史的に, both new-build and 存在するing homes have gone up and 負かす/撃墜する in price at about the same pace. So why are new homes suddenly スピード違反 ahead? We look at what is happening across the UK, and whether housebuilders are 運動ing up prices by slowing 負かす/撃墜する construction.
Buy-to-let landlords are using 限られた/立憲的な companies to 相殺する mortgage costs and 削減(する) 税金... but it could 現実に be costing them MORE
In 最近の years 増加するing numbers of buy-to-let 投資家s have been buying 所有物/資産/財産s 経由で a 限られた/立憲的な company, rather than in their own personal 指名する. There are a total of 615,077 buy-to-lets owned in company structures in the UK, an 82% 増加する since the end of 2016. 限られた/立憲的な company landlords can 相殺する mortgage 利益/興味 against 税金 - but a company structure brings higher 率s and costs. Is it really cheaper?
How much does renting cost 近づく you? Use our interactive 道具 to find out as tenants are 'squeezed to their 限界' with a 9% rise over the past year
普通の/平均(する) 私的な UK 賃貸しの costs 増加するd by 9 per cent in the year to February, new 人物/姿/数字s from the Office for 国家の 統計(学) 明らかにする/漏らす. At £1,238 per month on 普通の/平均(する) across the UK, the 上昇傾向 in 普通の/平均(する) 月毎の UK 賃貸しの costs was the highest since 記録,記録的な/記録するs began at the ONS in 2015. Tenants are, on 普通の/平均(する), 支払う/賃金ing £102 per more in rent per month than they were a year ago.
追跡(する) 手渡すs buy-to-let landlords 資本/首都 伸び(る)s 税金 削減(する) in the 予算 in 企て,努力,提案 to 'support 住宅 market'
Buy-to-let landlords planning to sell up have been 手渡すd a 税金 削減(する) by the (ドイツなどの)首相/(大学の)学長 today. In the 予算, Jeremy 追跡(する) 明らかにする/漏らすd that from 6 April, the 政府 will 削減(する) the 資本/首都 伸び(る)s 税金 率 for higher 率 taxpayers from 28% to 24%.The 率 for basic 率 taxpayers will remain 不変の at 18%. The move brings the 税金 paid when selling a buy-to-let 所有物/資産/財産 closer to the 徴収する 告発(する),告訴(する)/料金d on other 投資s, and 追跡(する) said it would 'support the 住宅 market'.
I'm a first-time 買い手 and can't afford my own home but could get a buy-to-let - should I do it?
I am 現在/一般に renting and putting away a かなりの 量 of my 月毎の salary into saving to buy my first home. 権利 now, I have enough for a 25% in the area where I want to live. The 問題/発行する is that as a 選び出す/独身 person, my salary isn't enough to borrow the mortgage I need on the 残り/休憩(する). I am wondering whether I would be better off buying a cheaper 所有物/資産/財産 as a buy-to-let, to get on the ladder and hopefully acquire an 資産 that grows in value. Will I be able to get a buy-to-let mortgage , and what 率s should I 推定する/予想する?
I'm a buy-to-let landlord - but I don't own the home my family live in: 所有物/資産/財産 専門家 略奪する Dix tells us why he loves renting
略奪する Dix, co-創立者 of 所有物/資産/財産 中心 and co-host of The 所有物/資産/財産 Podcast and an experienced buy-to-let landlord having started 投資するing almost 20 years ago. Although he was a homeowner in the past, he has been renting for the past 10 years. People tell him he's throwing money away and 支払う/賃金ing someone else's mortgage, but Dix argues that his family have the 柔軟性 to move when they want - and never have to do DIY.
Should I 直す/買収する,八百長をする my mortgage for two years, five years or take a tracker? We ask a dozen 仲買人s what they'd do
Anyone taking out a mortgage at the moment will likely be pondering the same questions - how long to 直す/買収する,八百長をする for? Should they 直す/買収する,八百長をする at all? It is a 決定/判定勝ち(する) that could save them - or cost them - thousands of 続けざまに猛撃するs, depending on whether they choose 正確に. We asked a dozen mortgage 仲買人s what they would 本人自身で do 権利 now if they were either remortgaging or buying a 所有物/資産/財産.
明らかにする/漏らすd: The fifty buy-to-let hotspots where you can still make a 利益(をあげる)... See the 十分な data 決裂/故障 from 普通の/平均(する) prices to long-称する,呼ぶ/期間/用語 returns
Buy-to-let 投資家s are 耐えるing a mixed 捕らえる、獲得する, 戦う/戦いing against 高金利s and インフレーション while benefitting from strong 賃貸しの growth and 需要・要求する. Yet the 国家の picture does not tell the whole story. The fortunes of landlords have 変化させるd 大いに from city to city, with 賃貸しの 産する/生じるs 範囲ing from 3.2% to a healthy 8.8%.
Housebuilders 削減(する) 支援する: Number of new homes planned fell 44% last year as higher 率s and インフレーション 妨害するd 需要・要求する from 買い手s
The number of new homes planned by housebuilders fell by almost half last year, new 人物/姿/数字s have shown. New home 登録s fell by 44% in 2023 compared to the year before, によれば the 国家の House Building 会議 which is the UK's largest provider of new home warranties and 保険. 登録s happen when a developer or housebuilder 登録(する)s their 意図 to build a new home. The NHBC says the number of new homes 登録(する)d fell from 189,009 in 2022 to 105,449 last year - a 減少(する) of 83,560.
Buy-to-let landlords fight 利益(をあげる) squeeze by setting up a 商売/仕事: 記録,記録的な/記録する numbers put 所有物/資産/財産s into a company to 削減(する) 税金, but does it really 支払う/賃金?
There are now 345,426 active 限られた/立憲的な companies that 持つ/拘留する buy-to-let 所有物/資産/財産s in the UK, up 50,000 on 2022, によれば 広い地所 スパイ/執行官 Hamptons. The number has grown every year since 2017. However, setting up a company to 持つ/拘留する buy-to-let 所有物/資産/財産s is not without 落し穴s, 伴う/関わるs 複雑さ and will not save all landlords money. Here, we 調査/捜査する how you can decide if setting up a company is 価値(がある) consideration.
Rising rents, 落ちるing mortgage 率s and the Renter's 改革(する) 法案: Here's what's in 蓄える/店 for landlords in 2024
This year has proven a mixed 捕らえる、獲得する for landlords. On the one 手渡す, many will have seen their 利益(をあげる) 利ざやs 削除するd by higher mortgage 率s. In October the 広い地所 スパイ/執行官 Hamptons 報告(する)/憶測d that landlords are now 支払う/賃金ing 40% more mortgage 利益/興味 than they were a year ago. But rents have also been hurtling 上向きs, which will have 相殺する some of the mortgage costs for those who have one, and 大いに benefitted those that own buy-to-lets without a mortgage.
How would YOU 直す/買収する,八百長をする the 住宅 market? 世代 Rent's?Ben Twomey hopes renters can one day be the envy of homeowners
Whether it's unaffordable house prices, rising mortgage 率s , 急に上がるing rents or 増加するd levels of homelessness, the 住宅 market appears to be stuck in a never-ending 危機. In the fourth instalment of a new series, 世代 Rent's?Ben Twomey tells us renting needs to be more affordable and more 安全な・保証する - and why he believes the 政府 is finally starting to listen.
What's going to happen to house prices in 2024? Six 所有物/資産/財産 専門家s go 長,率いる to 長,率いる - with some 予報するing 落ちるs of 5%
When it comes to house prices, the direction of travel has been hard to 予報する in 2023. At the start of the year, higher mortgage 率s and 二塁打-digit インフレーション had many 推測するing that the 住宅 market was 長,率いるing for a major 衝突,墜落. But as we 長,率いる into 2024 house prices are 負かす/撃墜する only 1% on this time last year, によれば Halifax's 最新の 索引. With the New Year 急速な/放蕩な approaching, we decided to ask six 専門家s to go out on a 四肢 and 株 their house-price 予測s for 2024 - 同様に as advice for those looking to buy, sell or move.
The 10 busiest 賃貸しの markets of 2023 REVEALED - so does YOUR area make the 名簿(に載せる)/表(にあげる)?
Wrexham has been 指名するd as the busiest 賃貸しの market of 2023, with landlords in the area typically receiving 56 enquiries per 所有物/資産/財産. The Welsh town, famous now for its football team, has 記録,記録的な/記録するd eight times more enquiries on 普通の/平均(する) for each 利用できる 所有物/資産/財産, によれば Rightmove. Rightmove's data also 明らかにする/漏らすd Redbridge in London to be the second busiest market with an 普通の/平均(する) of 49 enquiries per 利用できる 賃貸しの 所有物/資産/財産.?
政府 許すs houses to be 分裂(する) into flats without planning 許可: Who 勝利,勝つs and who loses from this 議論の的になる 政策?
The 政府 is planning to 捨てる the need for planning 許可 for 所有物/資産/財産 owners who want to 変える a house into two flats. (ドイツなどの)首相/(大学の)学長 Jeremy 追跡(する) 発表するd the 計画(する) in the Autumn 声明 as part of a 一括 目的(とする)d at 削除するing red tape and 増加するing the number of new homes - but there are 関心s about the 衝撃 on neighbourhoods. We explain how the new system could work, and ask 所有物/資産/財産 専門家s for their thoughts on whether or not it is a good idea.
Asking prices 落ちる for second 連続した month... and 普通の/平均(する) 所有物/資産/財産 is 負かす/撃墜する £13,000 since October, says Rightmove
Asking prices on newly-名簿(に載せる)/表(にあげる)d homes fell 1.9% this month, によれば Rightmove, に引き続いて a 1.7% 落ちる in November. The 落ちる equates to an 普通の/平均(する) £6,996 落ちる in the price of newly 名簿(に載せる)/表(にあげる)d homes in December compared to November and a £13,054 落ちる compared to October. The 普通の/平均(する) asking price on a newly-名簿(に載せる)/表(にあげる)d home in December is now £355,177.?
Our landlord wants to 引き上げ(る) the rent by 30% but we don't want to move - how do we haggle a smaller rise?
The landlord's スパイ/執行官 recently 接触するd us to say that the landlord 手配中の,お尋ね者 to put our rent up by more than 30 per cent - equating to hundreds of 続けざまに猛撃するs per month. This is going to happen at the break 条項 in two months' time. If we didn't agree, they said they would serve us notice so we would have to move out then. We understand that rents are going up and don't mind 支払う/賃金ing a bit more, but we feel 30 per cent is 不当な.
I'm a landlord: Should I 購入(する) my next buy-to-let 所有物/資産/財産 within a 限られた/立憲的な company and will I 支払う/賃金 いっそう少なく 税金?
I own one buy-to-let 所有物/資産/財産 that I 購入(する)d 支援する in 2012. Contrary to what most landlords seem to be doing this year, I am hoping to buy a second one as I see 所有物/資産/財産 as a 安全な bet in the long run and a good hedge against インフレーション. But I can't work out whether to buy in my own 指名する or 始める,決める up a 限られた/立憲的な company to do so. My number one 関心 is that it seems I might become 二塁打 税金d.
Spike in landlords buying 所有物/資産/財産s 経由で companies ーするために 支払う/賃金 いっそう少なく 所得税 (and even いつかs 相続物件 税金)
Landlords are ますます buying 所有物/資産/財産 経由で 限られた/立憲的な companies, rather than in their own personal 指名する, ーするために 削除する their 税金 法案s. Three 4半期/4分の1s (74%) of all buy-to-let 購入(する)s in England and むちの跡s this year have been bought 経由で a 限られた/立憲的な company, によれば 分析 by the 広い地所 スパイ/執行官, Hamptons. It is a 重要な rise from 68% last year, and a 抱擁する jump compared to the 41% 記録,記録的な/記録するd in 2015, just before major buy-to-let 税金 changes were introduced.
REVEALED: Buy-to-let hotspots where you CAN still earn an インフレーション (警官の)巡回区域,受持ち区域ing income - from Scotland to Sunderland, 利益(をあげる)s can still be made
Landlords can 安全な・保証する の近くに to 二塁打-digit returns as buy-to-let 産する/生じるs are climbing in some parts of the country, new data 明らかにする/漏らすs. 産する/生じるs are eight per cent or higher in areas around Glasgow in Scotland, 含むing West Dunbartonshire, Renfrewshire, East Ayrshire and North Lanarkshire. Renfrewshire has seen 産する/生じるs rise by 13 per cent in the past year alone and West Dunbartonshire by seven per cent. Even in parts of the country where 産する/生じるs are the lowest, it is still possible to make a 肯定的な return, the data from 所有物/資産/財産 portal Zoopla 明らかにする/漏らすs.
BUY-TO-LET AND LANDLORDS: TIPS, TOOLS AND GUIDES
I'm planning to let my home for the first time: How do I choose a letting スパイ/執行官, can I haggle over 料金s and what questions should I ask them?
I'm moving out of my home to move in with my partner. Instead of selling my flat, I have decided to let it out just in 事例/患者 things don't work out. I don't want the hassle of finding tenants myself. Nor do I want to manage the 所有物/資産/財産 myself. There are やめる a few letting スパイ/執行官s in my area. I would love some advice on how I should 始める,決める about choosing the best one?
最高の,を越す tips for renting your home: Seven steps to help you 準備する to let a 所有物/資産/財産 you've been living in
We 明らかにする/漏らす some 最高の,を越す tips to help you 準備する to rent out your home, 含むing sorting out 保険, 通知するing your mortgage 貸す人 and making it easier to find a tenant. Angela Davey, of ARLA Propertymark said: 'Letting out your home is a big 決定/判定勝ち(する) so it's 重要な that you do your 研究 and consider how best to market your 所有物/資産/財産. It might seem like a lot to consider, but working through these steps, considering the type of 見込みのある tenant you're looking for, and 捜し出すing help from a professional will 最終的に make the 過程 as smooth as possible and 確実にする that you don't 結局最後にはーなる in a 攻撃を受けやすい position.'
Ten tips for buy-to-let: the 必須の advice for 所有物/資産/財産 投資家s
Buy-to-let lost some of its 誘発する in 最近の years but that might be about to change as new 税金 削減(する)s and low mortgage 率s have 原因(となる)d landlords to flock 支援する to the market. Landlords 苦しむd a 3倍になる-whammy 攻撃する,衝突する this year as three popular 税金 救済s were axed or 規模d 支援する in April. But the (ドイツなどの)首相/(大学の)学長's 最近の stamp 義務 削減(する) coupled with 接近 to cheap 貸付金s have led to a spike in 投資家s looking to buy homes .
BUY-TO-LET YIELD CALCULATOR
This calculator shows the 賃貸しの return on your 投資 所有物/資産/財産 as a 百分率 of its value
BUY-TO-LET MORTGAGE CALCULATOR
Work out your 月毎の 支払い(額)s
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Stamp 義務 calculator
How much 税金 would you have to 支払う/賃金 on a home or buy-to-let?
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- First-time 買い手 無 率 up to £425,000 only 適用するs if b uying a home costing £625,000 or いっそう少なく
- *処理/取引s under £40,000 do not 要求する a 税金 return to be とじ込み/提出するd with HMRC and are not 支配する to the higher 率s
BUY-TO-LET: DON'T MISS
- More landlords selling 所有物/資産/財産s than buying as mortgage arrears DOUBLE Higher mortgage 率s have been 実験(する)ing the 解決する of many landlords.
- How do I haggle rent 負かす/撃墜する? Our landlord wants to 引き上げ(る) 月毎の 量 by 30%
- Landlords' mortgage 利益/興味 法案 has risen 40% in a YEAR The costs now eats up more than a third of their 利益(をあげる)s.
- Three 専門家s explain how tenants can (警官の)巡回区域,受持ち区域 the 競争 to 安全な・保証する a 賃貸しの home in a hot market Homes for rent are in short 供給(する).
- Should I 購入(する) a buy-to-let 経由で a 限られた/立憲的な company? Will I 支払う/賃金 いっそう少なく 税金?
- 政府 u-turn on 提案するd EPC 支配するs for 賃貸しの homes What does it mean for landlords and tenants?
- Buy-to-let mortgage 貸す人 開始する,打ち上げるs market-主要な 3.9% 率... but there's a BIG catch A little-known bank has sent shockwaves across the buy-to-let mortgage market.
- Rents will rise almost five times more than house prices by 2026, 警告するs 主要な 広い地所 スパイ/執行官 Rents are 始める,決める to rise by almost five times more than house prices.
- Why are more landlords selling their 所有物/資産/財産s? We look at the four main 推論する/理由s
- More homes 攻撃する,衝突する lettings market as sales 立ち往生させる Will rent rises slow 負かす/撃墜する?
- Buy-to-let hotspots where you CAN still earn an インフレーション (警官の)巡回区域,受持ち区域ing income Landlords can 安全な・保証する の近くに to 二塁打-digit returns as buy-to-let 産する/生じるs in some areas.
- Ten tips for buy-to-let: the 必須の advice for 所有物/資産/財産 投資家s If you are planning on 投資するing, or just want to know more, we tell you the 10 必須の things to consider
Compare true mortgage costs
Work out mortgage costs and check what the real best 取引,協定 taking into account 率s and 料金s. You can either use one part to work out a 選び出す/独身 mortgage costs, or both to compare 貸付金s
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利益/興味 率 rise calculator
Work out how much extra you would 支払う/賃金 each month and year on your mortgage if your 貸す人 changes the 率 you 支払う/賃金.Put in a 消極的な value to calculate a 率 削減(する), for example, -0.25%.
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- %
- (ie 25 years)
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