Buy to Let

Gross Income Takes Over from Net Return in the Buy To Let Sector

Gross Income Takes Over from Net Return in the Buy To Let Sector

A new ruling which may have been overlooked is that of mortgage interest relief for mortgages in the Buy To Let (BTL) sector. This is now an income reducer as opposed to reliever. As you may know this is currently being phased in.

Stamp Duty Surcharge on Second Homes – Far Reaching Effects

Stamp Duty Surcharge on Second Homes – Far Reaching Effects

Pippa Oldfield, Financial Planning Analyst at Leeds-based Financial Planning firm Manse Capital, considers the wide impact of the forthcoming Stamp Duty surcharge.

The Autumn Statement 2015 saw the Treasury announce a 3% premium in Stamp Duty on all second residential and Buy to Let properties purchased for £40,000 or more, with effect 1 April 2016. The plan, which aims to raise £1bn by 2021 and to re-focus support...

Protect Your Lifestyle with Income Protection

Protect Your Lifestyle with Income Protection

Sarah Robinson, Chartered Financial Planner at Leeds based financial planning firm Manse Capital considers the value of Income Protection and why it should be at the top of your list when it comes to insurances.

You insure your house, its contents, your car, mobile phone and even your beloved...

The Struggles of a Landlord

The Struggles of a Landlord

In Britain property has been seen as an attractive way of investing money for the long term on the simple premise that tenants will cover the running costs, lenders will help someone buy a more valuable asset and the landlord reaps the benefits of asset growth on the full amount – simple.

Or is it… on top of all the usual headaches a landlord faces in terms of rental voids, non paying tenants...

Should You Buy or Rent Your Home

Much has been said and written of the arguments as to whether it is best to buy or rent a home, usually in a very subjective manner. Our research shows, that before we even consider the long-term cost comparison, there is no ‘generic’ right or wrong answer though there is very clearly a right answer for most individuals if they were to ask themselves a few key questions. An interesting survey was undertaken by the Communities and Local Government, which make interesting reading but only addresses attitudes and perceptions and not the practicalities and realities.