mortgage arrears statistics

The Mortgage Arrears Dilemma

The Mortgage Arrears Dilemma A recent report highlighted the increase in severe mortgage arrears had increased 16% from Q2 2020 through Q2 2021. Severe mortgage arrears are those loans where the arrears balance is between 2.5% and 5% of the loan total. Buy to let mortgage arrears in the same category have increased 134% in
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IR35 Limited Company

IR35 & Property Investment Demand

IR35 & Property Investment Since April 2021 HMRC introduced changes to IR35. This meant that all public sector clients and medium or large-sized clients outside the public sector became responsible for deciding on the worker’s employment status. This meant that many contractors and freelancers who were IR35 now became employees with their client now being
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rental yields flat

Rentals incomes on the move

Rental Incomes on The Move It seems to have been a rollercoaster ride for the residential rental sector over the last 18 months, leading us to a place where very few would have predicted when the pandemic began. Back at the start of the pandemic we saw lenders withdraw, nervous of job losses, voids and
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what is top slicing

What is Top Slicing?

What is Top Slicing? Let’s remember that the whole financial sector loves an acronym and loves a sound bite. Top Slicing sounds more like my golf game, but it is all about buy to let lending and using other income to support a shortfall in rental income. It works where the traditional lending to rental
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joint venture property tips

Tips on Joint Venture Developments

Joint Venture Developments A joint venture is when you undertake a project with a commercial aim in partnership with another person/s. Joint ventures are pretty common when it comes to property investment, whether that be a property development or acquiring a property to let as an investment. There are several good reasons why joint ventures
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buy to let first time buyers

Property Investor & Buy to Let Uncertainty?

Property Investor & Buy to Let Uncertainty? There is a lot, and I mean a lot, of activity in the property market at the moment. I refer to investors and buy to let owners seeking to refinance and acquire new stock. One question is always about uncertainty. A lot of property investors seem to have
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buy to let beat stamp duty holiday

Beating the Stamp Duty Holiday

Beating the stamp duty holiday There are calls for the Government to extend the stamp duty holiday beyond 31st March. The activity in the housing sector has certainly given the economy a boost, whether the Government see this as enough, as an inflation risk, or want to raise taxation at source waits to be seen.
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Laffer Curve

The Laffa Curve – Buy to let mortgages

The Laffer curve I love analogies and business models that can be applied to real world scenarios. My previous favourite was the Dunning Kruger model, now I think that the Laffer Curve has taken top spot. The reason this model grabbed my attention was an article about how revenue generated by buy to let stamp
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