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B2L investors’ gearing falls

Buy-to-let investors’ gearing has declined to 36% – its lowest level since May 2007, Paragon Mortgages has revealed.


Over a third of landlords risk committing a civil offence

Almost one year on from its introduction, 40% of UK landlords are still unaware of the Tenancy Deposit Scheme leaving them at risk of committing a civil offence and being forced to pay tenants three times the deposit amount.The Tenancy Deposit Scheme was introduced by the government on April 6 2007 to protect tenancy deposits […]

MPLC withdraws all fixed rate deals

Mortgages PLC has withdrawn all fixed rate products in a bid to control new business volumes.The lender, a subsidiary of Merrill Lynch, is also slashing its maximum LTVs on all products to 70% and cutting the maximum loan size to £300,000.It is pulling all self-cert and right-to-buy criteria and raising rates on all remaining products […]

THE VAT DEBATE: Who’s paying what

The long debated issue as to whether mortgage clubs and packager associations should pay VAT does not look set to disappear, so has conducted its own vox pop to see where the industry stands. John Rice, managing director, Regulatory Alliance of Mortgage PackagersWhen we formed RAMP in 2003 we weren’t sure what the position […]

Let’s get together for the greater good

Easter is a good time to reflect. The year is well underway and all those new year resolutions have been long forgotten, unless you have a will of pure steel.


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