1 / 14

Ian Potter FRICS FARLA

Ian Potter FRICS FARLA. Managing Director Association of Residential Letting Agents. Investing in the PRS. The K ey Considerations. Buy to Let : A Brief History. Started 1995 By ARLA with a panel of lenders Mortgage rates nearer domestic rates than commercial Finance 75% LTV

poppy
Télécharger la présentation

Ian Potter FRICS FARLA

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Ian Potter FRICS FARLA Managing Director Association of Residential Letting Agents

  2. Investing in the PRS The Key Considerations

  3. Buy to Let : A Brief History • Started 1995 By ARLA with a panel of lenders • Mortgage rates nearer domestic rates than commercial • Finance 75% LTV • Interest cover 1.25 to 1.4 times • Medium to Long Term Investment • Slow start then huge upsurge buying off plan speculation

  4. Demand • Supply • Price • Location • Available Finance • Legislative Changes in the future • Other threats

  5. Demand • How do you establish strength? • National Trends • Localised Reports • Local Knowledge

  6. Supply Local Agents Stock Check Portals : Rightmove , Zoopla etc Remember stock advertised may be what is not in demand Who holds the actual data for an area?

  7. Price • What impacts on price? • Owner Occupier Demand • Available Finance • Landlords Competing • Buy to Let Trends do not follow Owner Occupier Trends • Does it give potential for capital growth?

  8. Location • Location is key to demand • One side of a street can make all the difference • One end of a street can make all the difference • Competition in area

  9. Available Finance • Own Funds Available • Mortgage Funds Available • Length of Borrowing Term • Rates not following Base Rate • When do you need liquidity?

  10. Legislative Changes • Landlords Register • Minimum Standards Changing in Law • Local Licensing Schemes • Regulation of BTL Finance • Tax Changes

  11. Other Threats • Institutional Investment • Build to Rent • New Student Accommodation • New Retirement Accommodation • Large Developments Planned • Local Employment Changes

  12. Who Can Help? • Good Financial Adviser (Tax Advice) • Good Conveyancer • Experience Local Agent

  13. Thank You

More Related