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Buy-To-Let Has A Long Life Yet

After having spent the weekend trying to put together a Bugaboo and put
in a baby car seat, (don’t even mention the blinds), the frustrations I
felt trying to follow the instructions in order to make sure it all
works felt a bit like applying for a mortgage in current times.

Just when you think you have found the right product and it is all
secure, the deal is pulled suddenly and you have to start again.

This may be the most tenuous link ever, and says more about my DIY skills, or lack of them, but hey at least I try!

Anyway, it was interesting to see a couple of papers over the weekend
pronouncing that buy-to-let as we know it is on its last legs.

I have even heard of people pronouncing it as ceasing to be.

The eagle-eyed among you will however have read a different view in
the Independent On Sunday, backed up by yours truly and those
ever-so-professional people at The Money Centre, who also know more than
a thing or two about the buy-to-let market.

The reality is that many landlords are enjoying the current market.

Yes, it is more expensive to borrow money at the present time, but demand for rental property is high and as a result rents are rising.

Also, in a buyers’ market, portfolio landlords can be more aggressive in their offers and are gaining access to more properties as other buyers quieten.

Our Specialist Lending Unit has many portfolio landlords who have worked
hard to build up their portfolios and are keen to take advantage of the
current circumstances.

They are not put off by having to put down slightly higher deposits or paying slightly higher rates because they see the long-term benefit.

While many of the “dinner-party” buy-to-let investors in it to make a
quick buck have fallen away, canny investors who have done their
homework have been quick to take up the slack.

Given the fact that criteria and products are changing quickly, and
mortgage providers are coming in and out of the buy-to-let market,
independent brokers are imperative for those looking to start or grow

This is borne out by the increased demand for advice in these times.

I suspect the headlines in some papers will continue to be grim for a
while yet, but those at the coalface know that demand for buy-to-let is
as strong as ever.

Here is a link to the article if anyone is still listening :-

Right, does anyone know how to put blinds up ?


Dear Delia

Dave is an experienced buy-to-let investor who sees opportunities in the current market to grow his portfolio. He has agreed to buy a discounted property in a private sale and the vendor wishes to complete as quickly as possible. The agreed purchase price is £200,000 but the property’s true value is £235,000, which he knows valuers will confirm. How can he maximise his borrowing and save his cash for further purchases? Delia says: A bridging loan may be the solution as Stuart Law of Assetz Finance and Steven Marks of Newcastle point out. Have you got a problem for Delia? Email

Lenders should hike not slash proc fees

Tightening criteria, direct-to-consumer product ranges and lenders considering proc fees cuts – there’s been a lot for brokers to contend with recently.

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