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Getting a buy to let mortgage
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Buy to let
The changes have been phased in over four years:. Now, only certain allowable costs can be deducted from rental income before tax. These costs include letting agent fees to find tenants and manage the property, advertising for a tenant, credit checks , building and contents insurance, council tax, utility bills, furniture, maintenance and repairs. Stay with us here Rates are usually higher for buy to let than for residential mortgages. That said, all mortgage rates are still historically low. Due to the tax changes, some landlords have left the BTL market.
Perhaps to encourage new borrowers, lenders are now offering the lowest BTL rates seen since records began in Like all mortgages, the bigger the deposit, the smaller the loan-to-value LTV ratio and the better the deals available. Remember though, that interest rates could rise. Make sure you could make repayments on your investment with higher rates. Rental yield is the annual rent received as a percentage of the property purchase price.
The gross yield is the return before expenses, whereas the net yield is the return after costs. The net yield provides a truer picture of profit for a BTL investor or landlord. Extra costs can include property damage, roof repairs, new furniture, fences and more. Many of these costs are considered allowable expenses, so are tax deductible. The biggest hit to BTL rental income will likely be periods without a tenant.
Losing even one month of rental income can have a big impact on rental yield as a whole. University towns guarantee a new intake of students every year, and cities with cheap housing are often the best BTL locations with the strongest yields. First, decide on the type of property you can afford. The type of property you choose will influence the type of tenant you attract. For instance, a one bedroom or studio flat might be best for a student, single professional or a couple. Larger properties give more options including families or big groups. If you'd prefer families, consider what the local schools are like.
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