Archives: Landlord Bible

What does a landlord need to consider when selling a buy-to-let property? The primary focus when selling a buy-to-let is achieving the maximum price and thereby your returns on your buy-to-let and also minimising your landlord tax. Landlords need to make their best effort to present their buy-to-let as a decent and liveable property. If […]

What types of BTL mortgages are there? Repayment BTL Mortgages This type of Buy-to-let (BTL) mortgage requires the borrower to pay off the capital sum of the loan as well as the loan interest so that at the end of the period it is fully repaid.  This is the safe option as it guarantees that […]

What are the main considerations when looking at BTL mortgage finance? In an ideal world landlords would avoid borrowing money altogether – avoiding BTL interest payments, BTL product application fees, BTL mortgage brokers fees, redemption fees, BTL mortgage administration costs, survey fees.  However, unfortunately for most landlords, this is not a realistic option; particularly if […]

Should a landlord employ a buy-to-let (BTL) mortgage broker? Landlords don’t like paying for things they can avoid.  There is something hard wired into us that says ‘why pay for it when we can get it for free?’ This is also very true of employing BTL mortgage brokers and paying for BTL mortgage finance advice.  […]

One of the key aspects for a landlord looking at getting a buy-to-let mortgage is to find a BTL product where the numbers fit.  This is potentially the first stumbling block that a landlord faces in securing buy-to-let finance.  The key figures for a landlord seeking a BTL mortgage is: the rental cover, the loan to value […]

How to save tax on holiday lets (FHL) Firstly, if you are thinking of investing in a holiday let it is a very tax efficient way of investing in property.  This holiday let tax guide lays out the many tax advantages open to property investors as a result of a holiday let being classed by […]