Two years on, how are the UK’s stamp duty tax changes continuing to affect Buy to Let landlords?

March, 20th 2018

Buy to Let investing

It’s been nearly two years since the government increased the amount of Stamp Duty Land Tax that Buy to Let landlords need to pay on second homes.

Since 1st April 2016, those wishing to purchase additional properties (whether intended for personal use, as a Buy to Let investment or as a holiday home) have had to pay an extra 3% in stamp duty land tax on the entire purchase price, on top of the normal tax rate.

How to remortgage

February, 27th 2018

Despite the Bank of England raising the base rate to 0.5% in November 2017, the remortgage market continues to grow, with rates remaining competitive among lenders.1 However, these rates may not last much longer.2 With the Term Funding Scheme (TFS) ending in February 2018, the supply of cheap funding for lenders will soon finish. In addition, although the Bank of England voted to keep the base rate at 0.50% in February, they hinted that it might rise again sooner than previously anticipated.

How to get a bridging loan

January, 26th 2018

The market for bridging finance in the UK shows no sign of slowing down, with lending in Q3 of 2017 at a new high of £4.7 billion, surpassing the pre-EU referendum high of £4.4 billion1. In this blog, we will answer some of the top questions you may have about bridging finance and how to secure it for your next property investment.

How can I get a mortgage as a contractor?

November, 27th 2017

How to get a mortgage as a contrctor

The UK mortgage market is expanding it’s offering for contract workers, making it potentially easier for those in the demographic to get property finance. Here, we look at the definition of a contract worker, income assessment, how much contractors can borrow and what specialist advice is available.

How to get a UK mortgage as a Foreign National from the Middle East

November, 23rd 2017

The UK mortgage market is open to property investors of any nationality. In recent years, opportunities for the Middle Eastern demographic in the UK mortgage market have been boosted. This falls in line with an increase in Middle Eastern dollar-dominated investors, as London property becomes even more attractive.

Is student accommodation your next lucrative commercial investment?

October, 30th 2017

Greater demand for student housing in the UK is fuelling growth in the commercial Buy to Let mortgage market.1 In this blog, we will discuss increasing demand for student accommodation. We will also look at some things to consider before arranging a commercial mortgage to purchase or convert a property for students, and the ‘Buy for Uni’ mortgage product now on the market.

Increasing demand

Are offset mortgages set to rise with an increase in self-employment?

October, 10th 2017

Since 2015, the number of self-employed workers in the UK has risen to almost five million.1 This change in workforce demographics has no doubt altered demand in the mortgage market.

How to get a large mortgage loan as a portfolio landlord

October, 05th 2017

Changes to buy to let mortgage and remortgage lending regulations which came into effect on 30th September 2017 are set to revolutionise property investment forever for portfolio landlords. But what are the key changes and how can UK buy to let portfolio landlords navigate the new landscape? CEO Paul Welch takes us through the buy to let mortgage criteria changes and explains how they will impact property investors.

The number of landlords with ten or more properties increases by a third

September, 26th 2017

The number of portfolio landlords in the UK is on the rise. While the number of individual landlords has dropped since 2015, the number of rented homes has increased to 5.1 million from 4.9 million.1 The figures suggest that each Buy to Let investor is building up their property portfolio or deciding to leave the market altogether. More specifically, the number of landlords with ten or more properties has increased by a third from 2015 to date.1

The UK sees an increase in expat Buy to Let investors

September, 08th 2017

The falling pound has opened up opportunities to expats who are looking to invest in the Buy to Let market. We discuss the current state of play here.


  • This Month's Top Fixed Rate

    Fixed rate
    Initial rate: 1.33%

    Period: 2 Year

    A variable rate, currently 3.99% which will not go below a floor of 3.49% thereafter
    The overall cost for comparison is 3.60%


    More info
  • This Month's Top Variable Rate

    Variable rate
    Initial rate: 1.24%

    Period: 2 Years

    A variable rate, currently 3.99% which will not go below a floor of 3.49% thereafter
    The overall cost for comparison is 3.60%


    More info

    Get This Rate

Some of this month's top interest rates are listed above; the actual rate will depend on your circumstances. Please note that this information does not contain all the details you need to choose a mortgage, ask one of our advisers for a personalised key facts illustration on 020 7519 4900. The rate displayed may become out of date at short notice.

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Changes in the exchange rate may increase the sterling equivalent of your debt is a trading name of Ltd, 12 Pepper Street, London, E14 9RP which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register No 302228 which can be viewed here: The Financial Conduct Authority does not regulate some aspects of buy to let mortgages, overseas mortgages and tax advice. Help and advice in regards to mortgages is available at Limited is registered with the Guernsey Financial Services Commission, reference number: 2269418, as a Non-Regulated Financial Services Business.

A typical fee of 1.17% of the mortgage amount is payable. Of this, 20% is payable on application and the balance of 80% on completion. For example on a mortgage application of £300,000 the fee would be £3,510 in total. Of this, £702 (20%) would be payable on application and the balance of £2,808 (80%) on completion. The total fee is non refundable. We may also be paid commission from the lender. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. Calls may be recorded for training and monitoring.
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