Changes to HMO Rules, Landlords Take Note!

Changes to HMO Rules, Landlords Take Note! Landlords letting on a shared accommodation basis take note!  Changes to the HMO licencing laws are about to take effect. From 1st October any landlord letting a home to 5 or more tenants consisting of 2 or more households will need an HMO licence.  This is a [...]

Investing In The Bristol Property Market

Investing in the Bristol property market. The latest house price reports from Hometrack show Bristol as top of the ladder with annual inflation of 14% year on year. Coupled with rental yields still around 4 to 5% in most areas and Bristol starts to look like a very attractive proposition. The buy to let market [...]

Stamp Duty – What A Rush!

Stamp Duty - What A Rush! Stamp duty changes have resulted in thousands of prospective property purchases up and down the country being rushed through before the deadline of 31st March 2016. After this date you will pay 3% extra on top of every banding of stamp duty where you will own more than [...]

Housing and Mortgage Quarterly Report: Q4 2015

The Fox Davidson Housing & Mortgage Report. Q4 2015. MORTGAGES New tax rules announced in the Autumn statement affecting buy to let and second home stamp duty increases of 3% has seen a surge of mortgage activity with clients wishing to secure finance and complete on property before the 1st April 2016 deadline. December [...]

The Two Property Tax

The Two Property Tax Stamp Duty Tax Changes for 2 or more properties. HM Treasury produced a report on the 28th December outlining plans for a higher stamp duty to be charged on second properties including holiday homes, pied-a-terre and buy to let. The extra charge is 3% on top of any current banding [...]

Buy To Let Tax Changes

Buy To Let Tax Changes Major Buy to let tax changes to shake up the buy to let market. New government policies and regulation from Europe will see the buy to let market change for good from April 2016. Major tax changes: From the 1st April 2016 anyone buying a second property (whether it [...]

Fox Davidson Quarter 2 Report

Fox Davidson Quarter 2 Report Buy to let activity up, Residential down. The Council of Mortgage Lenders* reported that lending in April was £15.8bn, down from £16.1bn in March and £16.8bn in April last year. Interestingly the April report showed remortgage, purchase and first time buyer mortgage transactions were down year on year and down [...]

Summer Budget 2015 – Property

Summer Budget 2015 - Property So the Chancellor George Osbourne yesterday delivered his summer budget and we all knew that cuts were coming, he has warned about that in his previous budgets. Those tax cuts have affected property and in particular Buy to Let landlords. But it is not all bad news….. Rent a [...]

Rise of the Accidental Landlord

A report calling for the launch of a national register of landlords caught our eye just before Christmas and was something we thought worth looking at in a little more detail.

Should I Move

As 2015 begins, many people are dreaming of moving to a bigger, better home. With attractive rates & the recent stamp duty cull, it’s tempting to jump in feet first. However, it’s wise to think carefully before making any rash decisions, here’s some tips to consider:

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