From the end of this month, lenders will have to take a more stringent approach to buy-to-let mortgage applications from landlords. Emma Lunn explains.
Investing in property
Property has held up remarkably well since US sub-prime mortgages sparked the financial crisis. UK house prices, for example, have risen to record highs. But there's more to investing in property than buying a holiday home or buy-to-let.
Commercial property has become an attractive investment via, for example, real estate investment trusts (Reits) or even property crowdfunding. At MoneyWeek, you can find some of the best ways of money from investing in property.
UK house price indices
The Halifax and Nationwide indices are based on each lender's mortgage approvals, and exclude cash sales. Both are 'seasonally-adjusted' – the market is slower in winter and busier in spring. The Rightmove index is based on sellers' initial asking pricess, and the DCLG (Dept for Communities and Local Government) index is based on data including house prices, mortgages, transactions and land prices.
Don't buy that house!
The positive climate surrounding the buy-to-let sector is unravelling – fast. A rash move now and you could pay a heavy price.
To avoid the time bomb at the heart of this sector you need to read our new investment report.
It'll arm you with everyone you need to become a well-informed buy-to-let investor.
|Click here to find out more|
Before buying a property within a retirement community, do your research, says Sarah Moore.
Some entrepreneurs see the imbalance of supply and demand in housing as an opportunity. But investors should be cautious, says Max King.
The real scandal isn’t so much the lack of houses, says David C Stevenson. It’s the state subsidies paid to landlords.
We could soon see an inflation-driven correction in the housing market. That won’t make anyone particularly happy. But it might be the least damaging solution to the house price bubble.
When offered property or portfolio, most people prefer to invest in the former. That, says Merryn Somerset Webb, could prove costly.
Max King picks a real estate investment rust that aims to tap in to the growth of online retail and warehousing.