Research into BTL mortgage arrears – University of YorkMake Text Bigger
I head up an independent and experienced team of researchers at the Centre for Housing Policy at the University of York.
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.
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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