Buy To Let Flats
1 Developers need to build an ever-increasing number of flats instead of houses if we are going to have enough homes within a reasonable time period.
2 Buy to let investors who buy brand new flats at a preimum might have to wait a little longer before making a new capital gains.
3 The House Building Council figures show that 48% of new homes completed are flats and maisonettes, while the percentage of detached homes has shrunk to 17%.
4 With so many new schemes marketed heavily at investor's, some with rental guarantees, there will be some losers unless investors can sit tight for a few years.
5 When prices stagnate, which can happen in any area (from time to time), investors can only make a profit if they buy below market value and make improvements.
6 Typically, a family house with dirty rooms, scruffy kitchen and bathroom a bit bashed about is less desirable and lacks demand. Buyers don't like to take children into a dirty environment, so shrewd investors buy and restore before letting it out.
7 Usually, landlords get 85% or 90% buy to let mortgages. Sometimes these properties are 15% below market value and so landlords refinance to get all their money back.
8 Landlords must check out how many homes are being built in an area because flats can lose value like cars driven off the forecourt.
9 Everybody wants 'new new' these days especially younger people who have become so fashion conscious. There can be marked differences in value between new and nearly new. A three year old flat is not as desirable as brand new down the road.
10 Government policy requiring a substantial portion of new developments to be affordable housing for rental or purchase through housing associations might also hit values - particularly on smaller schemes where it is harder to segregate 'social' housing.
11 On many new-build developments, there is a risk of investor flooding.
12 It is important to understand that there is so much detailed professional buy to let mortgage and property advice available that there is no reason to pay for expensive seminars.
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