Reply to the comment left by Mark Alexander - Founder of Property118 at 29/11/2025 - 18:39Thank you. Very good points. The total return from property investments (rental income plus capital appreciation) typically ranges between 5–7% over five years and 70–110%...
After accounting for the 42% rental income tax, the return on equity — calculated as £12,268.80 net income ÷ £640,000 invested equity — comes to just 1.91%. That level of return is unacceptably low. By contrast, allocating the same capital...
Thanks Mike. Will that periodic rolling contract be yearly or monthly? What about asking for rent above the market price to encourage a tenant you want to evict to leave? Where can I get more information what can we do...
To avoid repossession hurdle, can landlord give a rolling one-year contract so that landlords have to wait few months if they want to repossess the property?
The buy-to-let mortgage will be stress tested at 8.5%. The residential mortgage will be stress tested at 8%. Difficult to get refinance now. BOE need to increase the base rate minimum 100 base point on 2nd November. Otherwise, the £...
Very much doubt about be buyer market soon. Interest rates are rising (BOE base rate may hit 6% at the mid-next year 2023, so that borrowing cost may end up at 7-8%), affordability for first-time buyers is down, ending of...
This price will come down soon. UK house price has reached peak level. 2-year bond yield up to 4.49%. Jumbo rate hike on the way. £ depreciated. Now some mortgage providers are withdrawing their products from the market. Many mortgage...
The 2-year gilt yield hit 4% now. BOE base rate needs to increase up to 4% minimum not to fall behind the curve. BOE rate will be at least 5% next year. According to Taylor's rule, if BOE has a...
Oxford is going to introduce the same. More and more regulations and restrictions, more taxes, and raising mortgage rates will increase operating costs. Less net income. BOE needs to increase the base rate up to a minimum 4% to tame...
BOE is behind the curve to to tame the inflation. Bank base rate need to reach 3% at the end of this year with aim of reaching base rate to 4% mid next year. 47% of 2 year fixed mortgage...
Reply to comment left by Mark Alexander at 29/11/2025 - 18:39
Reply to the comment left by Mark Alexander - Founder of Property118 at 29/11/2025 - 18:39Thank you. Very good points. The total return from property investments (rental income plus capital appreciation) typically ranges between 5–7% over five years and 70–110%...
Read More →29th November 2025, 4 months ago
After accounting for the 42% rental income tax, the return on equity — calculated as £12,268.80 net income ÷ £640,000 invested equity — comes to just 1.91%. That level of return is unacceptably low. By contrast, allocating the same capital...
Read More →13th February 2025, 1 year ago
Thanks Mike. Will that periodic rolling contract be yearly or monthly? What about asking for rent above the market price to encourage a tenant you want to evict to leave? Where can I get more information what can we do...
Read More →12th February 2025, 1 year ago
To avoid repossession hurdle, can landlord give a rolling one-year contract so that landlords have to wait few months if they want to repossess the property?
Read More →5th October 2022, 4 years ago
The buy-to-let mortgage will be stress tested at 8.5%. The residential mortgage will be stress tested at 8%. Difficult to get refinance now. BOE need to increase the base rate minimum 100 base point on 2nd November. Otherwise, the £...
Read More →29th September 2022, 4 years ago
Very much doubt about be buyer market soon. Interest rates are rising (BOE base rate may hit 6% at the mid-next year 2023, so that borrowing cost may end up at 7-8%), affordability for first-time buyers is down, ending of...
Read More →26th September 2022, 4 years ago
This price will come down soon. UK house price has reached peak level. 2-year bond yield up to 4.49%. Jumbo rate hike on the way. £ depreciated. Now some mortgage providers are withdrawing their products from the market. Many mortgage...
Read More →24th September 2022, 4 years ago
The 2-year gilt yield hit 4% now. BOE base rate needs to increase up to 4% minimum not to fall behind the curve. BOE rate will be at least 5% next year. According to Taylor's rule, if BOE has a...
Read More →21st September 2022, 4 years ago
Oxford is going to introduce the same. More and more regulations and restrictions, more taxes, and raising mortgage rates will increase operating costs. Less net income. BOE needs to increase the base rate up to a minimum 4% to tame...
Read More →18th September 2022, 4 years ago
More pressure by the council on landlords. It is too much asking to have an HMO license for properties occupied by three or more unrelated people.
Read More →2nd September 2022, 4 years ago
BOE is behind the curve to to tame the inflation. Bank base rate need to reach 3% at the end of this year with aim of reaching base rate to 4% mid next year. 47% of 2 year fixed mortgage...
Read More →