Landlords' mortgage 利益／興味 法案 has risen 40% in a YEAR... and now eats up more than a third of their 利益（をあげる）s

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Landlords are seeing their 利益（をあげる）s decimated by higher mortgage 率s, によれば new 分析 by 広い地所 スパイ／執行官 group, Hamptons.

It 設立する that landlords are now 支払う／賃金ing 40 per cent more mortgage 利益／興味 than they were a year ago.

Mortgaged buy-to-let 投資家s 手渡すd over an 普通の／平均（する） of 37 per cent of their 賃貸しの income in mortgage costs in August, にもかかわらず many still 存在 保護するd by 直す／買収する，八百長をするd 率s agreed before costs went up.?

Going up: Mortgage 利益／興味 is taking up a bigger chunk of landlords' 利益（をあげる）s

This is up from 28 per cent a year ago and up from 24 per cent in November 2021 before 利益／興味 率s began rising.

The rise in mortgage costs across the 部門 comes even though the number of 優れた buy-to-let mortgages has been 落ちるing since November 2022, as 投資家s have either paid 負かす／撃墜する 負債 or sold up.

It also comes at a time when rents have been hurtling 上向きs.?

年次の 賃貸しの growth across the UK remained in 二塁打-digits during September, with the 普通の／平均（する） cost of a new let up 11.7 per cent on the same period 12 months ago, によれば Hamptons.

普通の／平均（する） two-year buy-to-let 直す／買収する，八百長をするd 率s are 現在／一般に at 6.24 per cent, によれば Moneyfacts.

This means the 普通の／平均（する） landlord 要求するing a £200,000 利益／興味-only mortgage will be 支払う／賃金ing £1,040 a month in mortgage costs if buying or remortgaging at the moment using a two-year 直す／買収する，八百長をする.

追加する that to 無効の periods, 修理s, 維持／整備, letting スパイ／執行官 料金s, 同意／服従 checks, 保険 and service 告発（する），告訴（する）／料金s and it shows how reliant many landlords will be on rents rising ーするために make a 利益（をあげる）.

At an 普通の／平均（する） 優れた 率 of 6 per cent, Hamptons 見積（る）s that nearly two thirds of 賃貸しの income paid to mortgaged landlords will be spent 支払う／賃金ing mortgage 利益／興味.

Rising 法案s: Landlords are 支払う／賃金ing 40% more mortgage 利益／興味 than in August 2022, which equates to an extra £4.3bn each year

二塁打 digit 賃貸しの growth:?The 普通の／平均（する） UK rent now stands at £1,325pcm, up from £1,186 in September 2022, によれば Hamptons

Fortunately, many landlords remain 保護するd from higher 率s in the short 称する，呼ぶ／期間／用語 by their 存在するing 直す／買収する，八百長をするd 取引，協定s.

There are a total of 2,030,000 buy-to-let mortgages 優れた, によれば UK 財政／金融, with the 大多数 also 存在 on 直す／買収する，八百長をするd 率s.

概略で two thirds are on 直す／買収する，八百長をするd 率s, with the 残りの人，物 either on a tracker 率 or a 基準 variable 率.

As landlords' 直す／買収する，八百長をするd mortgage 取引，協定s 満了する／死ぬ, the number of cheap mortgage 率s will continue to dwindle unless 率s 落ちる 大幅に.

Hamptons 見積（る）s that landlords are 現在／一般に 支払う／賃金ing a 集団の／共同の £15 billion in mortgage 利益／興味 and 推定する／予想するs this 人物／姿／数字 to grow as cheaper 直す／買収する，八百長をするd 率 取引，協定s end.

利益（をあげる） 利ざや 腐食: The 普通の／平均（する） mortgage costs as a 株 of mortgaged landlord’s rent is rising にもかかわらず many landlords 存在 保護するd from rising 率s until their 直す／買収する，八百長をするd 取引，協定 満了する／死ぬs

Aneisha Beveridge, 長，率いる of 研究 at Hamptons, said: 'With mortgage 利益／興味 often landlords' largest cost, the pace at which 率s have risen has squeezed 投資家s.

'Even if there are no その上の 率 引き上げ（る）s by the Bank of England, we could see the 量 of mortgage 利益／興味 paid by landlords 越える £20 billion over the next two years.

'This has the 可能性のある to eat up just over half the 量 mortgaged landlords receive in rent.?

'For some 投資家s, this will be unaffordable, and they will likely 屈服する out, keeping 上向き 圧力 on rents.'

Mortgage 率s are 落ちるing

In 最近の weeks, mortgage 率s have been 落ちるing, 供給するing some much needed 一時的休止，執行延期 投資家s.

While 普通の／平均（する） 率s for both two-year and five-year 直す／買収する，八百長をするd 取引，協定s remain above 6 per cent, landlords are now able to 安全な・保証する below 5 per cent in some 事例／患者s.

One 貸す人, The 明言する／公表する Bank of India's UK arm (SBI UK), is even 申し込む／申し出ing a 3.9 per cent two-year 直す／買収する，八百長をするd 率 to those with at least 50 per cent deposit or 公正，普通株主権. However, the 取引，協定 is rather let 負かす／撃墜する by a hefty 5 per cent 協定 料金.

Aside from SBI UK, most of the lowest two-year a nd five-year 直す／買収する，八百長をするd 率 取引，協定s are hovering just below the 5 per cent 示す.

Even at this level, the 普通の／平均（する） landlord will see their capacity to make 利益（をあげる） dwindle, によれば Hamptons.

Its anaylsis 示唆するs that at a 5 per cent 利益／興味 率, the typical mortgaged landlord will be spending 54 per cent of their rent on mortgage 利益／興味.

類似の to SBI UK, most of the 取引，協定s around the 5 per cent 示す also come with hefty 協定 料金s, which will also need to be taken into account.

Nicholas Mendes, mortgage technical 経営者／支配人 at mortgage 仲買人, John Charcol, says that にもかかわらず 率s 改善するing of late, many landlords are 直面するing 堅い decisons.

He 追加するs: 'We're seeing an 増加する in landlords 表明する their 失望／欲求不満 in the 現在の 気候, with more open to 選ぶing into a shorter-称する，呼ぶ／期間／用語 直す／買収する，八百長をするd 率 or variable 条件 to give them the 柔軟性 and freedom to offload a 所有物／資産／財産.

'Landlords are having to have difficult conversation with tenants, we’ve seen many landlords who have 選ぶd against 毎年 増加するing rents as they are 平等に aware of the 圧力 it can have on 世帯s.?

'It's only when they come to 再開 that they 直面する the 冷淡な truth that they cannot continue to have a moral compass if they want to 安全な・保証する better 条件 than their 存在するing 貸す人.'