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Thank you very much to Malcolm and his team at Brooklands Commercial Finance along with Shawbrook Bank for running the seminar and using the Shawbrook offices in the heart of the City. We started with a Mortgage and Lender Market Update in particular discussing rental stress testing and the amount you can borrow by using the advantages of criteria on 5 year fixed rates and in the name of a limited company. PRA rules allow Buy to Let stress testing at the actual pay rate not an

This case study is based on a Merchant Banker resident in Central London. For the benefit of his retirement and legacy planning he has been building a UK rental property business for several years, mainly within City. Due to having no mortgages at all he was completely unaffected by the Section 24 restrictions on finance cost relief. Nevertheless, incorporation was massively beneficial to him in regards to income tax planning, CGT planning and IHT planning. I will begin with a

Bod has a dilemma. He is a portfolio landlord who is badly affected by the Section 24 restrictions on finance cost relief. We have been friends on Facebook for a long while and Bod messages me regularly. As you can probably guess, Bod is a made up name because my friend wants to retain anonymity. This is Bod's dilemma .... This year Bod will pay around £6,000 of extra tax as a result of S24, rising to £9,000 next year and then £12,000 a year thereafter. The solu

For the past 18 months, I have mulled over the idea of setting up a new National Landlords association. I won't bore readers to death explaining why. We all know how frustrated and sickened the community is with the other main associations failing to aggressively fight our corner and instead assist the councils implementing their rotten Selective licensing schemes. Enough is enough. We could talk forever, but it is now time for action. I have held off taking this leap in the hope

I’m looking for some advice on how to re-finance 3 properties I have inherited. My father passed away, leaving me a house and two flats. The lenders are looking for redemption. My only option if I would like to keep these properties with a view to BTL...

Hi – just wanted to check if there are any laws in this area. I am the leaseholder in a small group of flats (own share of freehold as well). It seems one or two flats have not been paying their share of freeholder fee e.g....

I am a licence holder in the Liverpool Landlord Licensing Scheme/Scam. I have received an email from the Council reminding landlords about the new legislation regarding HMO’s. That is fine and councils should be contacting landlords about such matters...

New research shows a staggering 64% increase in the amount of Londoners moving overseas, according to leading home moving company AnyVan.com. How many of these include Landlords heading for countries with no CGT such as Malta...