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From finding the right property for you at the right price and then also being able to assist you in finding the right mortgage at the best rate possible that suits your needs.

We will be able to assist you in a property search by asking a few simple questions from a drop down menu as to what exactly it is you are looking for and then help you find your dream home at hopefully a bargain price from property searches all across the UK.

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We can also arrange the viewings for you for these properties at a time suitable to you and then all we ask is if you could give us some simple feedback once you have had a viewing (again just via choices from a drop down menu), we will be able to ascertain whether we are on the right track in finding the ideal property for you. If this was not the right property for you, we will continue looking taking your feedback on board.

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We are also here to let you know whether we think the property market is going up or down or stagnant at the time and whether we think the vendor will be open to offers and can advise on what to offer for the property should you decide to go ahead and make an offer on one you like. Some properties says ‘Offers in excess of…£xx’, we will find out for you exactly what the vendor is realistically looking for in this case and advise you accordingly. It may even be the case where you could actually make an offer of less in the case, depending on the market at the time and then for it to be accepted.

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Once you have found your perfect house, we can then help you with the process of finding the right mortgage for you as well and make the transactions as smooth as possible.

We will take into account how much deposit you have saved up, how much realistically you are comfortable paying a month and whether you would like a repayment or interest only mortgage as well as many other factors that could determine what is right for you. We have a database of the majority banks and building societies and will put in your details for you and come with a few options for you to choose from, again, according to which would suit you the most.

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Word from our experts

November 1, 2018
Buy to Let Mortgages Changes

Buy to Let Mortgages – Changes in Tax and Rates

Buy to Let Market Overview

Buy to let mortgages have been at the forefront of the news and the 2018 budget. Many landlords are noticing the squeeze and BTL mortgages and their profitability is becoming increasingly complex. After the 2018 budget released a few days ago, in which the announcement barely mentioned anything directly relating to landlords and the buy to let property market, there are a number of notable changes which need to be considered:

  • Personal Tax Threshold and Tax-Free Allowance changes – the personal allowance will increase in 2019 to £12,500 and the higher rate tax bracket will increase to £50,000.
  • VAT Threshold remains unchanged
  • Lettings Relief on Capital Gains Tax will be limited to shared occupancy properties where the landlord is letting a room within their primary residence.

In comparison to previous budgets, landlords who invest in buy to let properties have gotten off lightly. The property market is likely to remain steady, subject to to the Brexit outcome as the first-time buyers market will thankfully still benefit from the Help to Buy Scheme.

Changes to Buy to Let Tax

One of the key change in tax for BTL mortgages are the interest restrictions and relief. Until recently, landlords had the ability to offset interest expenses on mortgages against their income from renting the property. Unfortunately, this is coming to an end and whilst it was reduced to 75% in 2017, next year landlords will be looking at a restriction of 50% which is quite considerable. This means that it’s even more important to ensure that your buy to let mortgage rates are the best they can be by using a buy to let mortgage broker here to calculate repayments.

Changes to Energy Efficiency Measures

New regulations are being introduced to help protect the environment and regulate energy usage within properties in the UK. There is now a minimum requirement of E for any new tenancies on an EPC (Energy Performance Certificate). The good news is that this isn’t particularly high and most properties which benefit from double-glazing and central heating should fall within this bracket.

Setting up a Limited Company – A possible solution?

Many landlords who span ownership over more than 2 buy to let properties may benefit from setting up a limited company. It’s important to seek professional advice on this option as the circumstances will vary for each landlord. In fact, the vast majority of buy to let mortgages are being taken out under a limited company – it may be as high as 70% of applications being made.

The shift to setting up a limited company has been because of the increasing restraints on the private rental sector. By using a limited company, the interest rates can be offset as an expense instead of losing 50% in 2019 from the restrictions imposed in the latest budget. It’s important to consider that there are other costs associated with setting up a limited company such as accountancy fees, VAT returns (if applicable) and end of year returns which need filing.

HMRC and the government are always looking for ways to close loopholes such as these, so it’s likely to be tightened up in the future. An article here on Simply Business goes into more detail.

Concluding, it’s important to be aware and plan ahead if you have a buy to let property as it’s predicted that at the end of Jan 2019, when landlords will have to pay their tax bills, that many will not have realised the drop from 75% to 50% and will suffer from it.


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You let us here at Back Zac take all the hassle out of property buying for you and guide you through each step of the way, from finding the perfect property to financing it, advising you as best we can all the way through. Why not give it a go now? Begin a search through our drop down menus on our Search page and we will be in touch with a list of properties you may like!