Tag: gearing

Case study: The landlord who expanded using buy to let gearing

Author: Mark Alexander - Founder of Property118

8th December 2025, 11 months ago | 0

For landlords, growth often depends on using gearing – borrowing against equity in existing properties to fund further acquisitions. In...

How Much Equity Do You Really Need? Buy-To-Let Loan-to-Value Ratios Explained

Author: Mark Alexander - Founder of Property118

15th September 2025, 1 year ago | 0

One of the first questions landlords face when financing or refinancing a buy-to-let property is how much equity they will...

Barry’s story – it could have been you!

Author: Mark Alexander - Founder of Property118

22nd May 2018, 8 years ago | 0

Barry’s story was written by the Mark Alexander back in December 2010. It has since been updated and re-published several...

Castle Trust Equity Loan Finance

Author: Mark Alexander - Founder of Property118

14th November 2013, 13 years ago | 0

Castle Trust Equity Loan Finance has the potential to be the biggest game changer in the UK mortgage market since...

Tax Treatment of Equity Loans for Buy to Let Landlords

Author: Mark Alexander - Founder of Property118

4th November 2013, 13 years ago | 0

I have been posting on numerous forums about the introduction of equity loans into the UK buy to let mortgage...

BTL Second Charge Mortgages / No Monthly Payments

Author: Mark Alexander - Founder of Property118

30th October 2013, 13 years ago | 145

No this is NOT a wind up, it’s 100% genuine and is important that you know how it works so...

Is 100% buy to let leverage a good idea or not?

Author: Readers Question

10th September 2013, 13 years ago | 11

I’m looking to do my first time buy to let by releasing c. £25,000 -£37,000 equity from my main residence...

The history of buy to let interest rates

Author: Readers Question

9th September 2013, 13 years ago | 4

I’m trying to build my property portfolio in London and I’m slightly cautious as to the level of gearing I...

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Mezzanine Finance for Developers

Author: Property118.com Landlord News Team

6th August 2013, 13 years ago | 1

(By Malcolm Jones of Brooklands Commercial Finance) Despite the Banks recent profit announcements, Developers are still being frustrated by their...

12.5% return on cash invested on a newly refurbished Manchester based development

Author: Mark Alexander - Founder of Property118

31st July 2013, 13 years ago | 0

Last week I was presented with a Manchester based buy-to let investment opportunity which looks particularly attractive. The gross yield...

My New Build Property Investment Strategy

Author: Property118.com Landlord News Team

26th February 2013, 14 years ago | 4

Two bedroom new build houses are my favourite type of property to invest into. They are easy to let, offer...

property118

Get into High Gear with Gearing

Author:

9th May 2012, 15 years ago | 21

Using Finance to Increase your Returns After recently attending local property networking events it still amazes me that investors think...

Property Values vs Interest Rates

Author: Mark Alexander - Founder of Property118

8th May 2012, 15 years ago | 15

A question that came up in conversation this evening whilst in the car on the way back from my fiancée’s offices...

Why Do People Hate Landlords?

Author: Property118.com Landlord News Team

27th October 2011, 15 years ago | 5

I decided to write this article as a companion piece to Mary Latham’s recent article “I will not say sorry...

property118

Money Men Predict Surge in Buy to Let

Author: Property118.com Landlord News Team

23rd August 2011, 15 years ago | 0

The case for investing in buy to let is moving into sharper perspective as financial firms with a vested interest...

My 1,000th post on my favourite Property Forum

Author: Mark Alexander - Founder of Property118

8th March 2011, 16 years ago | 0

The following is an extract from my 1,000th discussion on Property Tribes (my favourite property forum). I asked the members...

property118

Why some buy to let investors are losing faith in property

Author: Property118.com Landlord News Team

26th January 2011, 16 years ago | 0

Some buy to let landlords are having second thoughts about the reliability of property as a long term investment, according...

property118

The roots of my Property Investment Strategy

Author: Mark Alexander - Founder of Property118

17th December 2010, 16 years ago | 24

“I measure my business related success by how much I improve my cashflow and my bank balance every year.” The...

property118

Buy to let strategy – the 20% liquidity reserve rule of thumb

Author: Mark Alexander - Founder of Property118

3rd December 2010, 16 years ago | 8

This rule of thumb is very simple.  If you have £100,000 of buy to let mortgages you should have £20,000...

property118

The history of No Money Down and Instant Remortgages since 1992

Author: Mark Alexander - Founder of Property118

28th October 2010, 16 years ago | 8

It was 1992, we were at the tail of the property crash of the late 80’s and early 90’s. I was...

property118

Buy to let lending restrictions hamper landlord borrowing. However, quality funding lines are well and truly open to landlords with substantial cash or equity reserves. Learn how to find out who’s lending but not advertising the fact

Author: Property118.com Landlord News Team

27th October 2010, 16 years ago | 0

The buy to let mortgage market is in a state of flux as key lenders have changed their criteria over...