Declaration of Trust

admin    Uncategorized     agents

HMRC charge tax on the beneficial ownership of rental profit and capital growth from rental properties, HOWEVER, mortgage lenders take their security against legal ownership. It has been possible to split legal and beneficial ownership of property since the days of the Christian Crusades. There are three primary tax reasons for creating a partnership by splitting beneficial ownership on… Read more

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Landlord Tax Planning Clinic Webinars

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I’m interested in your feedback on a series of Landlord Tax Planning Clinic Webinars I’m planning.  Each webinar will answer 5 pre-submitted questions from subscribers, and if time allows we will answer a selection of live questions too. My co-host will be Mark Smith, Head of Chambers at Cotswold Barristers and Honorary Legal Counsel for The… Read more

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What can we do about latent gains in our rental property portfolio?

admin    Uncategorized     agents

My wife and I want to incorporate our buy-to-let portfolio but our outstanding finance is £600,000 more than the purchase price and capitalised costs associated with the properties. From a tax perspective it seems we could be far better off if we incorporate, especially in a few years time when the restrictions on finance cost relief… Read more

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Moving properties to my wife to save tax

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I’ve got five buy to let properties all in my sole name which I’ve had for around 6 years and they are mortgaged on an interest only basis. Due to the change in mortgage tax relief and the fact that I’m a 40% tax payer earning around £100k a year I’d like to transfer the… Read more

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The RLA’s Manifesto: Effective enforcement, not more regulation

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The fourth key ask of the RLA’s General Election manifesto is for more effective enforcement, not more regulation. This would be through guaranteed long-term funding for local authorities, backed by a system of co-regulation for the majority of law-abiding landlords.  With over 150 Acts of Parliament and 400 regulations, the private rented sector is not […]

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Tenant moved to South Africa and a management company started subletting without permission?

admin    Uncategorized     agents

I bought a one bedroom flat with the freehold in a terraced housed converted into 2 one bedroom flats. The top flat is leasehold but I was not the seller. The leaseholder is my tenant and she is in South Africa. A management company sublet her flat which is above me and has no soundproofing…. Read more

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A New Approach to Buy To Let Mortgages

admin    Uncategorized     agents

Like building any business, establishing a successful property portfolio takes determination, knowledge and patience. Ironically, one of the challenges facing landlords is the mortgage brokering process that’s meant to serve them. It’s paper-based and often can’t keep up. As the residential mortgage sector is enjoying the benefits of online portals to streamline the process, it’s high time for landlords to receive similar benefits in the buy-to-let sector.

Buy-to-let is a dynamic and rapidly growing market that’s still served by traditional mortgage brokers. It’s a low-tech world of paper form-filling, delays, unreturned calls and a very limited market view – with the last point exacerbated by the fact that most mortgage brokers work from a limited list of lenders, with commission potentially influencing their selections.

Research shows that landlords could save over £3000* a year per property by changing the makeup of their portfolio to take advantage of the best mortgage deals.  There are even further savings as Property Master does not charge application fees for standard mortgages.

And that’s not the only challenge facing brokers like you. Government tax changes like the 3% rise in stamp duty on additional properties are squeezing the rented sector. Now like never before, you need to be able to take advantage of innovative products to find the best deal. But more stringent regulations have given rise to ever more complex lending criteria and a bewildering array of new mortgages. Just when you need it most, a great deal is even harder to find.

And most brokers are still operating in the same way as they have for the last 2 decades.

Enter Property Master, the UK’s first digital buy to let mortgage broker.

Regulated by the Financial Conduct Authority (FCA), Property Master allows private landlords like you to source and compare buy-to-let mortgages online. That means taking unprecedented control of your portfolio financing . It’s free to use and there are no application fees for standard mortgages.

Out go the forms and paperwork. In comes a dynamic portal where you can match your funding requirements against every BTL mortgage on the market across actual lending criteria.

You can run ‘what if’ scenarios, changing parameters such as rent, LTV and even switching to a limited company. At last you’re seeing a true whole-market view.

Once you find your ideal mortgage, you can apply with a single click no need to re-enter details. The suggested mortgages are all pre-screened for acceptance – so you’re chasing real opportunities, not wild geese.

Property Master is completely independent. You’re presented with the best options based solely on your requirements with no influence from commission levels. With no application fees for standard mortgages, you save money, leverage further growth, and ultimately make the right decisions.

The system keeps working round the clock, sending you proactive alerts as offers change to your advantage. Property Master will even make unprompted suggestions to re-mortgage early if there’s a good enough deal and it’s right for your portfolio. How many traditional brokers do that?

And it’s completely free to use!

“Individual buyers often aren’t getting the best deal in a complex system that has changed little since last century. It can be slow, frustrating and complex. We have built Property Master to revolutionise the way landlords are able to manage the finance behind their portfolio, putting them in full control of their investment”.

CEO and Founder of Property Master, Angus Stewart

Navigating the changing buy to let mortgage market needn’t be complicated. Property Master provides landlords with the tools they need to truly optimise and take charge of their finances.

A unique database that’s completely free to use

You can search for approved mortgage options which meet each lender’s complex lending criteria, based on your individual properties and circumstances.

Find out more. Visit Property Master at www.property-master.com and watch our short introductory video to discover a new approach to buy-to-let mortgages.

… LandlordZONE.

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