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Property Blog Archive: Buy to let
11, 2008 November:
Foreclosure, Short Sales, developer fire sales and bargain hunting in Miami
Currently with the real estate market and credit market meltdown, there are 3 common ways in which banks, developers and owners are getting rid of their real estate in South Florida. As a buyer/investor if done correctly these are opportunities to pick up a great deal!
14, 2008 November:
Where have all the UK & Irish buyers gone?
A brief overview of the current property market for UK & Irish based agents and the effect on the French property market.
17, 2008 November:
Mei, Miami Beach- Zen Luxury Oceanfront at a Discount!
This blog talks about amazing ownership and investment opportunities at Mei in Miami Beach.
25, 2008 November:
Miami/Miami Beach Rental Market
This blog talks about the current state of the local Miami/Miami Beach rental Market and the factors that affect it.
02, 2008 December:
The return of Buy to Let as a commercial transaction
When the Buy to Let mortgage market started in the early 90's, Loan to Values were at a maximum of 75%, underwriters made decisions to lend based on the overall viability of the transaction and commercial rates were charged.
11, 2008 December:
LIBOR, SWAP rates, base rate and interest rates - we're seeing history being made - 11.12.2008
The Bank of England's decision to further reduce Bank Base Rates (BBR) in December, to rates not seen in over 50 years, demonstrates the analysts view of the severity of the current economic turmoil. Whilst we don't appreciate it at this time, history is being made and events now will be talked about long after we are gone.
16, 2008 December:
3 month LIBOR continues to ease slowly - 16.12.2008
There will be a limit to its downward movement towards the end of the year as those banks with 31 December year ends preserve cash on their balance sheet and let creditors rise accordingly.
Miami/Miami Beach Real Estate Outlook for 2009
Brief outlook and recommendations for your real estate investments for 2009.
18, 2008 December:
Off Plan Property Versus Alternative Investments - The Result Is In ...
Today's climate has brought about the rise of the “alternative” investment, but why has this happened, what does it encompass, and how does it compare with our traditional investment type, the “off-plan” property?
19, 2008 December:
Merry Christmas and here's to a better 2009!
Base Rate is set to continue to fall in the New Year. What options are available for the professional landlord?
30, 2008 December:
Market awaits Year End movements at Banks
3 month LIBOR continues its downward drift - setting today at 2.82% - still a significant premium to Bank Base at 2%
02, 2009 January:
What does a Ninetendo DS and property investing have in common?
Property investing is just like a new video game. You need to start at Level 1 and work your way up and never compare yourself to people on higher levels!
08, 2009 January:
Bank of England Base Rate cut by 0.5%. How will this effect Buy to Let? - 08.01.2009
So, the Bank of England has announced a further 0.5% cut in the Base Rate. Rates are now at their lowest for 300years and could still go lower.
13, 2009 January:
SWAP rates and LIBOR rates on the move in 2009 - 13.01.2009
The entry into the New Year was no doubt followed by many with a New Year's resolution on how to improve their lot in life and a glass or two, to bid fairwell to a truly awful 2008.
Mortgage Express are waiving all Early Repayment Charges!
Mortgage Express are waiving all Early Repayment Charges for Residential and Buy to Let mortgages between February and June 2009!
22, 2009 January:
It's all about cashflow!
These are tough times and as the recession takes hold many of us are now looking at ways of tightening our belts further...
Top Property Investment Tips For 2009
Most will also be aware that now is the best time to buy just about everything, judging by the deals that are out there. Property therefore is no different. With this in mind, I thought I would offer some of my top tips when assessing property investments:
23, 2009 January:
Will Base Rate stay below 5% in 2009?
2009 is shaping up to be an interesting year, but hopefully not for the same reasons as 2008. The actions by the Bank of England and other Central banks has been to attempt to stabilise the global markets and right some of the wrongs in recent years.
29, 2009 January:
It looks like Bank of England Base Rate could drop to 1% next week
The next MPC meeting on 4 February with its announcement on 5 February is heading towards a 0.5% cut in Bank of England Base Rate (BBR) down to 1%.
30, 2009 January:
B&B appoint Mortgages for Business for early repayment charge clients
At Mortgages For Business we are delighted to have been appointed as one of two brokers to assist Mortgage Express borrowers looking to take adavantage of the Early Repayment Charge waiver if borrowers redeem their loan in part or full between 1 February and 30 June 2009.
03, 2009 February:
Bank Base Rate now seems set for 0.5% cut on Thursday
Continuing economic woes and global concern that cuts in BBR are not the only solution make it much more likley that BBR will move down by 0.5% to 1% on Thursday.
11, 2009 February:
Developers 'Out of Stock' and 'Out of Options'...
The time has come where developers have begun to run out of stock and prices have dropped so much that they can negotiate no further. Sounds like opportunity to me! Could the market be turning? That's certainly been our experience since we came back from our Christmas holidays.
08, 2008 December:
Base Rate reduced to 2%
So Base Rate has been cut by another 1%. Bearing in mind Mervyn King's comments earlier in the month, the reduction is no real surprise and is confirmation (as if we needed it!) that we are heading for tough times in 2009.
19, 2009 February:
Will everyone benefit from the 0.5% Base Rate cut?
Media and politicians focus on residential mortgages when Bank Base Rate (BBR) is cut as that is the point of maximum impact on individuals and ultimately where votes in the next general election will be won or lost.
20, 2009 February:
Miami/Miami Beach Market Update and Analysis
Brief synopsis of the state of the current state of the market. Prices have come down and transactions are picking up considerably.
24, 2009 February:
“Quantitative Easing” now, may mean inflation later...
This is an article I wrote about Quantitative Easing that the economists and politicians have been speaking about. Good in theory and will definitely work but one of the side effects is inflation which may means higher interest rates... Be prepared now.
25, 2009 February:
Northern Rock resumes lending - what will be its impact?
The announcement that Northern Rock is to resume mortgage lending (£14Bn by the end of 2010) is welcome for the mortgage market as a whole but will probably only drive indirect benefit for the Buy To Let sector.
11, 2009 March:
Now that Base rate has dropped to 0.5% it's time to fix!
The Base Rate cut will of course continue to improve the cash-flow of those borrowers on Base Rate linked loans (without collars!) but unlikely to have much of an affect on new mortgage products.
18, 2009 March:
The Turner Review may impact Buy to Let warns Lord Turner
In the new Turner Report changes may be proposed to the treatment of second charge and Buy to Let mortgages.
03, 2009 April:
As the market bottoms out, now is the time to secure that property bargain - 03.04.2009
Previoulsy we set out to explain the differences between some of the leading house price indices on the market. At that time The Halifax HPI had just posted a month on month increase of 1.9% whereas the Nationwide HPI indicated drop of 1.3% (in line with most of the other indices published). Well guess what...
Landlords getting possession & your buy-to-let property back!
By Chris Horne
How to get possession through issuing a Section 21 Notice
09, 2009 April:
Base Rate remains unchanged at 0.5% - 09.04.2009
As expected, the Bank of England have kept Base Rate on hold at 0.5% this month, halting the steady trend of reductions over the last few months. With the MPC's ammunition more or less spent in this area, all eyes are now on the Bank's Quantitative Easing programme designed to stimulate the much need liquidity into the market.
10, 2009 April:
Landlord insurance - it pays to negotiate
By Chris Horne
A reporter from landlord website Property Hawk goes undercover to find out the best way to get a good deal on their own landlord insurance.
16, 2009 April:
UK Property Investing: Is now the right time?
By Neil Lewis
So, that was it then. The great property price crash of mid-2007 to the spring of 2009. 'Britain's housing market reignited', says one recent (and typical) headline. 'Applications for US home loans surge' reads another.
07, 2009 May:
Base Rate stays at 0.5% for a second month - 07.05.2009
No surprise that the Bank of England have kept Base Rate at 0.5% for another month. Time will tell whether the Bank's Quantitative Easing programme will have the desired effect...
12, 2009 May:
Market improvement?
By KFH
Kinleigh Folkard & Hayward's Managing Director, Lee Watts, talks about what he is seeing in the London market
14, 2009 May:
Landlords should say NO to the proposed landlord licence
By Chris Horne
Landlords in the UK are to be licenced in much the same way that dog owners are if the Government has it's way.
22, 2009 June:
Increase in fixed rates as "perceived" inflationary pressures start to build. 22.06.2009
Mervyn King hinted in his Mansion House speach last night that there were some signs that quantitative easing was starting to work and that the £125Bn injection may be sufficient - I really hope so !!
01, 2009 July:
Would you Adam & Eve it?
When your tenant has robbed you blind, what's a girl supposed to do?
23, 2009 July:
At last - Funding for HMOs, Freehold Conversions & Limited Companies returns! 23.07.2009
We at Mortgages for Business have been aware for some time that many landlords and property investors have been struggling to find finance for certain property types e.g. HMOs and Freeholds split into several self-contained units...
02, 2009 August:
When the going gets tough...
The greatest trick the Devil ever pulled was convincing the world logic didn't exist.
09, 2009 September:
Bottoms up?
By KFH
Lee Watts, Managing Director of Kinleigh Folkard & Hayward gives his view of the London property market.
10, 2009 September:
Improved Funding for landlords
The re-launch of Base Commercial as Aldermore Bank following the acquisition of Ruffler Bank is starting to bring benefits to landlords with Buy to Let and residential investment properties.
30, 2009 September:
Data indicates property market progress!
Not only does mortgage data point to an improving position on purchases but the first RMBS issue (£4Bn) in Europe in 13 months has taken place - issuer Lloyds !!!
07, 2009 November:
Adventures in property refurbishment
Many of you may not know but I didn't start in new build properties. I started buying second hand properties and doing them up before selling or remortgaging them. At the time it was the best thing for me, I had heaps of time and little capital. I was willing to pick up a paint brush, dig a hole, punch through a wall and build a fence. For the most part it was a great strategy at the time, but one that I would only go back to again if I had to. You see, after my first few properties I began turning into a smarter investor – the kind of investor who's time is more important. I had enough money to pay other people to do things for me and most of all I had a life outside of my renovations.
09, 2009 November:
It never rains but it pours
With Adam gone surely nothing more could go wrong?
16, 2010 January:
Drying out
CHAPTER ONE I walk down a street and there's a big hole. I don't see it and fall into it. It's dark and hopeless and it takes me a long time to find my way out. It's not my fault! CHAPTER TWO I walk down the same street. There's a big hole and I can see it, but I still fall in. It's dark and hopeless and it takes me a long time to get out. It's still not my fault. CHAPTER THREE I walk down a street. There's a big hole. I can see it, but I still fall in. It's become a habit. But I keep my eyes open and get out immediately. It is my fault. CHAPTER FOUR I walk down a street. There's a big hole. And I walk around it. CHAPTER FIVE I walk down a different street. If AA members can follow that why don't I ever learn?
25, 2010 February:
So what's next after Base Rate is held at 0.5% again?
So where will Base Rate be at the end of this year?
26, 2010 February:
Welcome to the Property Confessional
I have a confession to make... I'm a little bit crap when it comes to investing in property!
Featured on Lead Galaxy, along with A Place in the Sun, Homes Go Fast, Medhead, Global Property Guide, Unique Living and more...
