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Commercial Mortgages & Buy to Let Mortgages


Trends in Buy to Let

11th September 2003

Trend 1: Opinions diverge about where property values are heading. Last Quarter we discussed the increased focus of residential investors on properties outside the South-East. Since then both Nationwide and CML (Council of Mortgage Lenders) have reported increases in house prices across all regions. In contrast, the Financial Times is warning that property price increases are slowing

What It Means to You: Increases in rental income will slow - and possibly fall as increases in property value slow

Trend 2: Fewer first time buyers. High property prices are forcing more young people to continue to rent.

What It Means to You: Rents for properties appealing to those unable to get onto the property ladder may be more stable.

Trend 3: Fixed-term interest rates are beginning to rise. Fluctuation in the money markets has meant the withdrawal of some of the lowest fixed rates.

What It Means to You:Variable rate mortgage payments may also rise. Investors with significant variable rate mortgages should consider refinancing at fixed interest rates to ensure that any increase in mortgage payments is capped.

Buy-to-Let Mortgages | Commercial Mortgages

Trends in Commercial Mortgages

Trend 1: Investment yields have fallen. Whereas last year many commercial investment properties were purchased with a return of 7-10% on the rent, we are currently seeing properties purchased at 4.5-5% within both top and bottom segments of the market.

What It Means to You: Competition amongst buyers of quality commercial properties is now more competitive.

Trend 2: Emergence of interest only mortgages for commercial investment properties.

What It Means to You: Lower mortgage payments as the mortgages do not require any repayment of principal.

Buy-to-Let Mortgages | Commercial Mortgages

New Buy to Let Mortgage Providers

Over the last quarter we have continued to add partners in order to make our mortgage panel as wide as possible:

Barclays - A high street name that you will recognise and which has strengths in both owner-occupier and investment properties

Royal Bank of Scotland- A new lender with interesting products for investors requiring SIPP/SASS pension facilities

Commercial First - A new commercial mortgage entrant specialising in "non-status" lending. This allows more options for companies who lack a long or consistent record of profitability.

We will continue to add new lenders to the Marketplace to help you find the right commercial mortgage solution.

Buy-to-Let Mortgages

Business Finance Newsletters

Q2 Factoring Update - 09.06.2004
FSB states 25% of businesses fail but what can be done?

Brighter Outlook for Small Business in 2004 - 17.12.2003
Small Business Outlook Brightens

Government Initiative to Save SME's over a Billion on Energy Costs - 25.11.2003
ME's Waste over a Billion on Energy Costs

Protect Your Business Against Rising Rates - 12.11.2003
Ways to Protect Your Business Against Rising Rates

Interest Rates Rise by 0.25%: What it means to you. - 06.11.2003
Impact on Your Mortgages

Q4 Factoring Update: Brumark Bites - 04.11.2003
How Brumark will affect you and an invoice finance glossary

SME Economic Confidence up 22% - 28.10.2003
SME business confidence report and buying vs. leasing property guide.

Rising Crime Affects a Quarter of UK Businesses - 15.10.2003
Covers crime and how it effects UK business. Also includes finding the right finance for your business.

Invoice Finance - Easing Cash Flow Concerns - 01.10.2003
Report from The Factors and Discounters Association plus info on invoice disounting and lease financing.

Quarter 3 Insurance Update - 25.09.2003
Insurance update.

Small Business Owners Relish Their Freedom - 18.09.2003
Poll shows majority of small business owners would not work for someone else.

Q3 Mortgage Update - 11.09.2003
Trends in buy to let mortgages and commercial mortgages

Tailored solutions for your commercial vehicle needs - 04.09.2003
Report on commercial vehicle purchasing, financing and insuring.

Sources of Red Tape Plaguing UK Small Businesses - 26.08.2003
Poll shows red tape plaguing UK small businesses, plus tradesman insurance and equipment leasing.

Quarter 3 Factoring & Invoice Finance Update - 20.08.2003
New invoice factoring and invoice discounting partners, and switching from one Ffctor to another

Understanding Business Overdrafts - 06.08.2003
Business overdrafts and the alternatives.

Our Quarterly Mortgages Update - 28.05.2003
Trends in buy to let mortgages and commercial mortgages

Business Finance Online Info Centre

If you need more information on a particular product or service before investing/purchasing, try consulting our useful business finance reference section.

NB: The information on this business-finance-online.co.uk is for informational purposes only and should not be treated as business, financial, or any other form of advice.

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