First-time buyers and limited company landlords

Amidst the headlines about lockdowns and the eviction ban, one trend has perhaps slipped under the radar in recent weeks – it seems conditions are improving for first-time buyers. A number of lenders are either relaunching into 90% LTV or... Read more

Leasehold reform was long overdue

The government last week announced that leaseholders will be given the right to extend their lease by 990 years at zero ground rent. This is the result of years of controversies around escalating ground rents – some contracts saw ground rents... Read more

Pets and sensibility

After Christmas a Private Member’s Bill in will go through its second reading in parliament, which aims to restrict the right of landlords or their agents to include ‘no pets’ policies in the UK. Whether or not this bill comes to anything... Read more

Reasons to be cheerful in 2021

Last week saw the first rollout of vaccines in the UK, which is cause for optimism for pretty much everyone. It doesn’t surprise me that real estate agents are positive about output increasing in the next 12 months. Putting business aside,... Read more

High LTVs and stamp duty

Potential buyers have been given something of a boost, as it seems high loan-to-value mortgages are returning to the market. Last week we reported that both Halifax and Virgin Money launched 90% LTV mortgages. Meanwhile Nationwide has loosened... Read more

Why the Chancellor’s funding boost was needed

Last week Chancellor Rishi Sunak pledged to provide £2.2bn of funding for housebuilders. Hopefully this funding can be used to start turning things around when it comes to the delivery of UK homes. Housing completion levels across the seven... Read more

Mortgage struggles and Capital Gains Tax

I was concerned to read that furloughed workers are increasingly struggling to get a mortgage. While taking on a new commitment like a mortgage does seem a bit reckless on furlough, you have to sympathise with existing mortgage holders unable to... Read more

To buy or not to buy?

The market is in a strange place at the moment, as Sarah Coles of Hargreaves Lansdown highlighted last week. It seems the desperation to beat the stamp duty holiday deadline could be causing people to panic buy, as competition drives investors... Read more