Posts Tagged ‘landlords’

Renters Predict ‘Year Of The Landlord’

Tuesday, August 10th, 2010

Renters will be paying more for their rented accommodation in 12 months’ time. That is the opinion expressed by respondents to Rightmove’s latest Consumer Confidence Survey.

Which reveals that nearly half (45%) of those who are currently renting and plan to rent in the next 12 months expect rents to be higher this time next year. This is the fifth consecutive quarter that we have seen an increase in the proportion of respondents expecting higher rents one year from now. By contrast, only 7% expect rental prices to be lower.

Miles Shipside, commercial director of Rightmove, comments:

“Many renters are caught in a ‘rental market crossfire’, taking financial hits from all directions. Not only can they not afford to buy, but they are about to feel the pinch as rents look set to rise too. As well as being negatively impacted by the new Government’s austerity measures, they are likely to have to compete harder and pay more for the dwindling choice of rented accommodation.

“Perversely, this survey shows that it is renters themselves who are calling 2010 the ‘Year of the Landlord’, and it looks set to be true of 2011 as well.”

The results are taken from responses to our quarterly question – “Where do you think average rents will be one year from now?” – providing a first major insight into the rental market outlook since the change in government and announcement of austerity measures. The results will be of even further interest to those investors in the buy-to-let market who now have the additional factor of higher Capital Gains Tax to work into their yield calculations.

The predicted increase in average rents comes against a backdrop of lettings agents reporting fewer new landlords and a shortage of available stock as tenants stay in properties longer. Rightmove has recorded a 20% fall in the number of available rental properties advertised in June this year compared to June 2009.

While 42% of respondents expressed the view that average rents would be more or less the same one year from now, 45%, the largest single group, are forecasting they will be higher. This is a significant shift in sentiment from a year ago.

In July 2009 33% foresaw an increase in average rents, meaning the numbers have swollen by 12 percentage points within a year. Conversely, 13% – around 1 in 8 – were forecasting that rents would drop a year ago, and this has reduced to just 7% – or around 1 in 15 – in this survey.

Shipside adds:

“Landlords should be wary that rents can only continue to move in an upwards direction if tenants can afford to pay more. The mortgage famine has meant fewer can buy, but the squeeze on incomes and the increased costs of living will put a ceiling on what many tenants can afford to pay. Local levels of economic buoyancy and supply and demand will be the main determining factors.”

The number of renters who would like to buy but cannot afford to remains high this quarter at nearly 6 in 10 (57%), almost unchanged on the 56% reported a year ago. However this has fallen from the 61% recorded last quarter, perhaps the result of a slight improvement in affordability caused by falling house prices, stamp duty exemptions and a marginal improvement in mortgage availability.

The lack of funding for house purchase also affects landlords looking to expand their portfolios. The increase in rental returns forecast in this survey may persuade those landlords with access to funds to look at expanding their stock. However, the increase in Capital Gains Tax announced in the recent budget may have dissuaded some investors from the property asset class.

Shipside comments:

“With some landlords put off by lack of access to finance or greater tax-take, those investors who can buy more are looking at improving returns and less competition. With a tougher sellers’ market forecast for the second half of 2010, investors may see the opportunity for a win-win situation as the cost of buying falls and rents increase.

“The longer-term demand outlook for landlords will also be enhanced if recent Government proposals force some better-off council house tenants to move into the private rented sector”.

Across the country there are some interesting regional differences in renters’ expectations for the year ahead. East Anglia is the only region where more than half (51%) of those surveyed anticipate that rents will increase over the next year, significantly higher than the 39% of people in the North East who were of that opinion.

London is home to the most price-pessimistic renters, with around 1 in 9 (11%) expecting rents to fall.

Landlords Expecting Continued Increase In Tenant Demand

Monday, July 19th, 2010

29% of landlords recorded growing levels of tenant demand during he second quarter of the year, compared to 10% who said it was falling, according to Paragon Mortgages’ PRS Trends Report.

This compares to the first quarter of the year, when 24% of landlords reported growing tenant demand and 8% reported falling levels of demand. Tenant demand was stable for the 54% of landlords during the second quarter, whilst 7% said they were unsure which direction demand was heading.

Landlords expect tenant demand to strengthen considerably: 35% of landlords expect demand to be higher in 12 months’ time, with 8% forecasting a decline.

Nigel Terrington, Paragon Group chief executive, said: “Tenant demand has been rising consistently for two years and shows no signs of slowing down. Would-be home buyers continue to be unwilling or unable to step onto the property ladder, whilst longer-term social changes, such as greater numbers of single person households and economic migrants, are also creating more demand for rented property.

“Strong tenant demand is great news for landlords, but will lead to rental inflation for tenants unless the private rented sector is able to expand to meet this demand. Pressure is building on the finite number of properties in the sector because the lack of buy-to-let mortgage availability has prevented landlords from growing their property portfolios.”

There was a significant increase in the proportion of landlords planning to purchase, with 21% intending to purchase during the third quarter of the year, up from 12% who said they wanted to purchase in the second quarter.

Four out of 10 landlords said that they attempted to secure buy-to-let finance for purchase or remortgage purposes during the second quarter, with 52% of those saying that it was more difficult than previous attempts to secure finance, with just 13% stating it was easier.

Landlords said that a wider availability of mortgage finance, tax incentives and sustained levels of tenant demand would encourage further investment in the PRS. Just over four out of 10 landlords (43%) said they would like a better tax environment to help expand their property business, with 45% calling for the expansion of available mortgage finance.

Terrington said: “It is clear that confidence is high amongst the landlord community, which is reflected in the greater appetite for investment. There is obviously a dislocation between landlords’ intention to purchase and their actual ability to do so given the continued scarcity of buy-to-let mortgage finance. However, PRS Trends confirms that landlords still value residential property as an investment vehicle.”

Cash-strapped Landlords Struggling To Cover Mortgages

Thursday, July 15th, 2010

One in four landlords have admitted rents from tenants are barely covering their mortgage repayments and any interest rate rises could spell disaster, according to flat and house share website Spareroom.co.uk.

Research by Spareroom.co.uk found that 41% of landlords are only just meeting mortgage payments, while 43% said rents would no longer cover their mortgages if interest rates increased by 2%.

Some landlords admitted to standing even closer to the precipice, with 22% saying an interest rate rise of 1% would lead to rents not covering mortgages, while 10% said a rate rise of just 0.5% would create a shortfall.

The Bank of England’s Monetary Policy Committee has held interest rates at 0.5% for 16 months and is likely to maintain the rate for the time being. However, commentators agree interest rates must rise eventually.

Concerns over mortgage payments and potential rate rises have led 63% of landlords to increase rents in the past six months, with 21% admitting they have or plan to hike rents by 5% this year. A further 18% plan increases of between 3% and 5%.

However, over half of landlords said they are worried increasing rents could lose them loyal and valuable tenants.

Matt Hutchinson, director of Spareroom.co.uk, said: “Britain’s landlords are in a Catch 22. On the one hand, the rise in Capital Gains Tax for higher rate taxpayers means that many landlords either won’t be able to sell their buy-to-let properties full stop or will sell at a far greater loss. At the same time, holding onto their properties means they are at the mercy of the Bank of England and facing higher mortgage payments.

“For many landlords, it is hard to know which way to turn, and it could be that tenants feel the full force of landlords’ financial strain. The vast majority of landlords who have good relationships with their tenants don’t want to force the rent up, but for those who are struggling to make ends meet, it’s the only option.”

Buy-To-Let Landlords Warned To Protect Against Tenant Troubles

Thursday, July 15th, 2010

Buy-to-let landlords warned to protect against tenant troubles
15 July 2010

With the housing market still in a state of flux and predictions that house prices may fall further, many homeowners who are looking to move may consider renting their property out instead of selling.

However, moneysupermarket.com has warned homeowners who are considering this option to make sure they take out adequate landlords insurance as standard home insurance policies become invalid once you earn an income from your property.

With tenant demand for residential property continuing to rise, the proportion of landlords planning to buy new properties increasing and lenders slowly reintroducing good value buy-to-let mortgages, the number of people becoming landlords for the first time appears to be on the rise.

Whether you are moving into buy-to-let for investment, or have decided to go down this route to move home, getting the contract and paperwork right is essential and having adequate insurance in place is a must.

Last year, one in three landlords had tenants in arrears, so Brits shouldn’t skimp on their insurance. However it doesn’t have to break the bank, with standard landlord insurance available from as little as £93 a year from simple insurance, which covers loss of rent. For £134 a year, acumus will provide landlords with cover for legal expenses should they arise from incidents such as repossession, tenant default, and debt recovery.

Julie Owens, head of home insurance at moneysupermarket.com, said:

“Whether you’re looking at buy-to-let property for investment, extra income, or because you cannot sell your house, it is essential to have sufficient insurance to cover any financial losses connected with letting out a property. I advise anyone contemplating becoming a landlord to seek advice and get all of the relevant information before taking this venture on.”

“Landlord insurance which includes Rent Guarantee cover or legal expenses can be more expensive, however if things go wrong between a landlord and tenant legal proceedings can involve a hefty cost. It is important to have a good contract in place to know where each party stands should the tenant and landlord relationship fall sour.

“I advise insuring yourself against these circumstances before they arise, it is always better to be prepared and there are a number of suitable insurance policies for landlords on the market. The varying levels of cover available means it’s essential to do your research and pick the policy that is the best fit for your circumstances, policy wording can differ so it is vital to check the small print to determine exactly what is covered.”

New Gas Safety Website From The Health and Safety Executive

Thursday, July 8th, 2010

As a landlord, you are legally responsible for the safety of your tenants in relation to gas safety. By law you must:

- Repair and maintain gas pipework, flues and appliances in safe condition
- Ensure an annual gas safety check on each appliance and flue
- Keep a record of each safety check

You should also keep your tenants informed about their responsibilities while they are staying in your property.

http://www.hse.gov.uk/gas/landlords/index.htm

Private Landlords Increasing Repossession Action

Tuesday, July 6th, 2010

Figures reveal that at the height of the credit crunch the number of claims for repossession issued by private buy-to-let landlords jumped 23% from 17,047 to 21,004 between 2004 and 2008.

Private landlords now account for 17% of all repossession claims in the rented property sector compared to 11% in 2004, according to leagl information provider Sweet & Maxwell. At the same time, repossession claims by social landlords dropped by 23.5% from 136,198 to 104,165.

Currently, 14% of households rent from private landlords.

Michael Donnellan, partner at London law firm Trowers & Hamlins, said: “The credit crunch led to a sudden drop in many tenants’ incomes. You don’t need to become unemployed to see your finances pushed over the edge.

“Private landlords have come under financial strain themselves and are likely to move much faster to replace a non-paying tenant with a paying tenant during a period of financial uncertainty.”

Donnellan added that new rules for rent arrears, introduced in 2006 to reduce the number of court disputes between tenants and social landlords, have been successful in reducing repossessions by social landlords during the credit crunch.

Landlords Looking To Buy Residential Property For Investment Purposes Has Nearly Doubled

Tuesday, June 22nd, 2010

The number of landlords looking to buy residential property for investment purposes has nearly doubled, according to buy-to-let lender Paragon Mortgages.

Paragon’s Trends research, a quarterly panel survey of landlords, shows that 21% of landlords plan to purchase property during the third quarter of the year, up from 11% who said they planned to purchase during the first quarter and 12% who planned to purchase in the second.

Terraced housing topped the popularity list of those looking to buy, with 74% of landlords stating that they intended to purchase this type of property, followed by semi-detached housing, flats and detached property.

However, mortgage finance remains a major obstacle. Four out of 10 landlords said that they attempted to secure buy-to-let finance for purchase or remortgage purposes during the second quarter. Of those that did, 52% said that it was more difficult than previous attempts to secure finance, with just 13% stating that it was easier. The remaining 35% said they noticed no difference in the availability of finance.

The Trends research showed that a wider availability of mortgage finance was the main factor that would encourage a landlord to expand their portfolio. 46% said wider mortgage finance would encourage them to expand their portfolios, followed by better tax incentives (43%) and sustained levels of tenant demand (42%).

Less important factors were greater levels of Government support (26%) and property supply (14%).

John Heron (pictured), Paragon Mortgages’ managing director, said: “There has been a significant jump in the percentage of landlords looking to purchase property, which reflects the increased level of confidence across the landlord community. Tenant demand is strong and expected to grow in the coming years because of significant socio-economic and demographic changes, such as a rising population and growing numbers of net migration, one person households and students.

“However, there remains a dislocation between landlords’ desire to purchase property and their ability to do so. Accessing mortgage finance remains difficult for a large number of landlords. We have seen new entrants into the buy-to-let market, but the criteria attached to the majority of buy-to-let mortgages is targeted at small scale investors rather than professional landlords. If the market, and the private rented sector, is going to expand, then criteria needs to be adapted to allow larger-scale landlords to grow their property businesses.”

Rising Rents Provide Boost To Landlords Threatened By CGT

Friday, June 18th, 2010

The average rent in the UK rose by 0.5% to £667 per month in May, according to the latest Buy-to-Let Index from LSL Property Services plc.

Rents have risen for four successive months, and are 2.7% higher than a year ago. The average UK rent is now £18 per month higher than May 2009.

Rents fell by 2.7% in the North East, and 0.2% in the North West, bucking the national trend. In contrast, London rents rose by 1% to £924, whilst the West Midlands recorded a rise of 2.1% to £540 per month.

Yields on buy-to-let properties remained at their highest level since December 2009 at 4.8%, as rents accelerated faster than house prices. The house price for the average rental property snicked up by 0.1% compared to April, and registered an annual increase of 8.6%.

David Brown, Commercial Director of LSL Property Services plc, comments:

“House price increases have steadied, and rental income is now accounting for an increasing portion of a landlord’s total return. Rents have continued their upwards climb and are just £21 short of their all-time high.

“With the government likely to raise capital gains tax, capital gains may no longer be taxed more lightly than rental income. These measures could reduce the attractiveness of investment in the private rented sector, which would be a step backwards from financing the UK’s housing shortfall.

“But such a move would at least encourage landlords to take a more balanced view of rental income and capital gains in the sector. Total annual returns are being boosted by strong capital gains, but it is rental income that makes an investment plan viable and pays a landlord’s mortgage.”

The total return from investing in buy-to-let over the last twelve months hit 13.2% in May, rising from 12.8% in April. The average landlord would have made £20,363 in the past year, a combination of £7,100 in rent and capital gains of £13,263.

With house price growth now having levelled off, a landlord investing today could expect to make an annual return of 5.4% over the next twelve months. This is equivalent to £9,096 on a typical property in the UK. The majority of this would be in income rather than capital gains.

Tenant arrears grew in May, as £244m of all rent in the UK was unpaid – a sharp increase of £24m from April. This represents 10.7% of all rent. 508,600 tenants owed rent in May, an increase from 465,500 in April.

David Brown continues:

“Tenant finances have been in improving shape in 2010 and this drop highlights just how far they have come since the downturn. With the final three days of May falling on a bank holiday weekend, many payments were delayed until the Tuesday, leaving many landlords waiting into June for their rents. Even with this anomaly, arrears are 1% lower than the same time last year.

“The fundamentals of sound property investment, tenant demand, yield and rental income, are in place for the buy-to-let recovery to continue apace.

“But we need to wait for the budget. If the government proceeds with its short-sighted plan to impose a higher Capital Gains Tax on the private rented sector, it will risk bringing the recovery to a juddering halt – especially if neither taper relief nor indexation allowance accompany the hike.

“Without either of these, the new tax would penalise sustainable long-term investment, deterring private landlords and institutional investors alike.”

Landlords Seeing Rising Rents

Friday, June 18th, 2010

The average rent in the UK rose by 0.5% to £667 per month in May, according to the latest Buy-to-Let Index from LSL Property Services plc.

Rents have risen for four successive months, and are 2.7% higher than a year ago. The average UK rent is now £18 per month higher than May 2009.

Yields on buy-to-let properties remained at their highest level since December 2009 at 4.8%, as rents accelerated faster than house prices. The house price for the average rental property increased by 0.1% compared to April, and registered an annual increase of 8.6%.

LSL Property Services plc owns a large lettings agent network, including national chains Your Move and Reeds Rains.

David Brown, commercial director of LSL Property Services plc, said: “House price increases have steadied, and rental income is now accounting for an increasing portion of a landlord’s total return. Rents have continued their upwards climb and are just £21 short of their all-time high.

“With the government likely to raise capital gains tax, capital gains may no longer be taxed more lightly than rental income. These measures could reduce the attractiveness of investment in the private rented sector, which would be a step backwards from financing the UK’s housing shortfall. But such a move would at least encourage landlords to take a more balanced view of rental income and capital gains in the sector. Total annual returns are being boosted by strong capital gains, but it is rental income that makes an investment plan viable and pays a landlord’s mortgage.

“The fundamentals of sound property investment – tenant demand, yield and rental income – are in place for the buy-to-let recovery to continue apace. But we need to wait for the budget. If the government proceeds with its short-sighted plan to impose a higher Capital Gains Tax on the private rented sector, it will risk bringing the recovery to a juddering halt – especially if neither taper relief nor indexation allowance accompany the hike. Without either of these, the new tax would penalise sustainable long-term investment, deterring private landlords and institutional investors alike.”

Government Promise To Landlords: No More Red Tape

Tuesday, June 15th, 2010

Housing Minister Grant Shapps has today announced that he will be scrapping plans to introduce new regulations on private landlords.

There are one million landlords in England – nearly three quarters of which are individuals who may be renting a single room out. Of the three million private tenants in this country, the vast majority report they are satisfied with the service they receive from their landlords.

Speaking in Parliament, Mr Shapps confirmed that with the private rented sector already governed by a well established legal framework, the Government has no plans to introduce any further regulations.

Instead, he urged councils to use the wide range of powers they already have at their disposal to tackle the minority of rogue landlords that blight some communities, provide a poor service to tenants and damage the reputation of the private rented sector.

Council powers include powers to require landlords to take action to rectify hazards in their property; where landlords resist, the ability to make and charge for improvements and to prohibit use of the affected parts of the property; and discretionary licensing powers to tackle areas blighted by poorly managed privately rented stock.

New regulations were proposed by the previous administration in response to the Rugg Review of the Private Rented Sector, but have been judged by the new coalition to introduce too much additional red tape. These included a National Register of Landlords, regulation of letting and managing agents, and compulsory written tenancy agreements.

Grant Shapps said: “With the vast majority of England’s three million private tenants happy with the service they receive, I am satisfied that the current system strikes the right balance between the rights and responsibilities of tenants and landlords. So today I make a promise to good landlords across the country: the Government has no plans to create any burdensome red tape and bureaucracy, so you are able to continue providing a service to your tenants. But for the bad landlords, I am putting councils on alert to use the range of powers already at their disposal to make sure tenants are properly protected.”

The Communities & Local Government department also announced that plans to increase the annual rental threshold for assured and assured shorthold tenancies from the current level of £25,000 to £100,000 will go ahead. The Statutory Instrument raising the threshold, “The Assured Tenancies (Amendment) (England) Order 2010 – SI 2010 No. 908″ was laid on 25 March and the change will come into effect on 1 October 2010. This will apply to all existing and new tenancies and will restore the