Research into BTL mortgage arrears – University of York

Research into BTL mortgage arrears – University of York

17:29 PM, 7th November 2013, About 10 years ago 16

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I head up an independent and experienced team of researchers at the Centre for Housing Policy at the University of York. Alison-Wallace

We are looking to speak with landlords (in complete confidence) who have experienced difficulties paying their buy-to-let mortgages.

The kind of things we’d be interested in talking about are:

  • What set of circumstances meant payments were difficult to manage?
  • What helped or hindered any resolution to the problem?
  • What advice or support would you have welcomed?
  • What are the key issues you think are important for us to understand if we are to report correctly?

It happens rarely but sometimes landlords do struggle to meet the mortgage repayments on their BTL loans. What factors trigger payment difficulties? Do they relate to tenant problems, landlords’ approach to their lettings, or do the lenders contribute to the incidence of arrears? Are problems more apparent in some locations, types of properties or lettings markets? At present these issues are poorly understood. Research into BTL mortgage arrears - University of York

The research is being undertaken on behalf of Lloyds Banking Group and aims to inform policy debates about the private rented sector, the turn towards longer tenancies or letting to tenants on housing benefit for example. Private renting is increasingly important for many households locked out of home-ownership or social renting, so understanding more about aspects of the sector is critical.

Talking to us would be completely confidential and no-one else will ever be made aware that you have contributed to the study. We think it is important to hear directly from landlords rather than second guess their views, so if you are willing to talk on the phone at a time convenient to you it would be enormously helpful.

If you are interested, or would like to find out more about the study before deciding, then my contact details can be found via my Property118 Member Profile.

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Dr Alison Wallace

11:24 AM, 15th November 2013, About 10 years ago

Ok thank you. I'll look into it.
Best wishes,


Richard Adams

12:01 PM, 15th November 2013, About 10 years ago

I am not in the same league of professional knowledge as those who have replied so far but one practical lesson I have learned, the hard way, centres around Mark Alexander's early wise comment that landlords should not be soft with bad paying tenants.
Whenever the situation arises jump on it IMMEDIATELY. Don't listen to letting agents etc who say "tenant has promised to pop in next week and pay arrears". It doesn't happen!. Because the legal eviction process is indeed lengthy get it started ASAP. With some tenants there are sadly no alternatives. There are some tenants though who just choose not to pay and thus try it on. I proceeded against a tenant of mine with a small claim, got judgement quite quickly and when he still did not pay, as I expected, I got the arrears paid by his employer deducted from his pay on monthly basis. This produced an acceptably fast outcome.
Had I played the Mister Nice Guy I'd still be singing for the unpaid rent.

Mark Alexander - Founder of Property118

12:12 PM, 15th November 2013, About 10 years ago

Reply to the comment left by "Richard Adams" at "15/11/2013 - 12:01":

Hi Alison

We have a member here who is an insolvency practitioner. On Monday next week he is in Court defending a client on a posession hearing. It's a very interesting case because the person he is defending fell into arrears due to the Bank of Ireland's decision to hike their tracker rate margins. As you may be aware, we are the spearhead of the fight against these particular actions of BoI.

Anyhow, do check out his member profile and Twitter feed, his name is Paul Brindley. He may well have some interesting stories to share and clients he could introduce you too. Link to his member profile page >>>

Dr Alison Wallace

14:44 PM, 15th November 2013, About 10 years ago

I'll follow that up thank you!


Dr Alison Wallace

13:18 PM, 26th November 2013, About 10 years ago

Reply to the comment left by "Dr Alison Wallace" at "15/11/2013 - 14:44":


If anyone was considering getting in touch I still require a few more people to talk to for the research.

I am interested in the issues that lead to landlords finding it hard to pay their BTL mortgage payments to the lender.

I would like to talk in total confidence to any lender who has experience of payment problems, but particularly if you live and/or have rental properties in the North of England.

Thank you all for your help so far. much appreciated.


Mark Alexander - Founder of Property118

7:56 AM, 17th June 2014, About 9 years ago

Alison's 107 page research document is now complete - please see >>>

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