Tuesday, November 13, 2007

Pushing The Boundaries Of Buy-to-let Mortgages

This has created a large shift in the lending criteria of buy-to-let mortgages because less financially savvy people do not usually have the means to fund a deposit on an investment property.

The result is that loan-to-values have risen considerably and lenders are now more willing to approve buy-to-let mortgages to individuals with impaired credit histories. It is now common to see buy-to-let mortgages advertised with loan-to-value ratios of 90% or more.

Rental cover ratios have also dropped meaning that many investment properties are running at a cash loss even with a historically low rate of interest on their buy-to-let mortgages. If this occurs the investor must be able to pay for the loss with other funds, and it is doubtful they could if they cannot afford a deposit.

While interest rates remain low and occupancy rates high, the relaxed lending criteria of buy-to-let mortgages has not yet resulted in a major increase in defaults and repossessions.

However it remains to be seen whether this will continue when the good times are over, the economy tightens, and variable interest rates on buy-to-let mortgages increase.

If lenders relax their criteria too far many people will enter the property investment arena who cannot cope with an extended period of cash flow losses. If this happens, and the repossession rate rises considerably, buy-to-let investing will lose the stigma of being a financially safe and secure investment.

Additionally, buy-to-let mortgages will suffer as lending criterion will also tighten. This may not necessarily be a negative affect however, as it is doubtful that many financially unsound individuals who are currently being issued buy-to-let mortgages should be in the first place.

A tightening of lending criteria on buy-to-let mortgages may realign the property investment market to a more acceptable situation.



Blogger ninest123 Ninest said...

ninest123 10.17
prada handbags, red bottom shoes, michael kors outlet store, tiffany jewelry, ray ban sunglasses, nike air max, louis vuitton outlet online, christian louboutin, cheap oakley sunglasses, nike free, replica watches, polo ralph lauren outlet, louis vuitton outlet, louis vuitton handbags, kate spade outlet online, michael kors handbags, ugg outlet, louis vuitton, tory burch outlet online, burberry outlet online, michael kors outlet online, nike air max, christian louboutin outlet, cheap ugg boots outlet, oakley sunglasses, prada outlet, polo ralph lauren, ray ban sunglasses, louis vuitton outlet, tiffany and co, gucci handbags, replica watches, longchamp outlet online, christian louboutin shoes, longchamp handbags, cheap ugg boots, oakley vault, burberry outlet online, ugg boots clearance, michael kors outlet online, ray ban outlet, nike outlet, chanel handbags, cheap oakley sunglasses, oakley sunglasses, jordan shoes, ugg australia

October 16, 2015 at 8:37:00 PM PDT  
Blogger ninest123 Ninest said...

michael kors outlet online, air jordan, north face pas cher, mulberry uk, guess pas cher, nike air max, burberry pas cher, longchamp, nike roshe, coach outlet, coach outlet, hollister uk, nike air force, true religion outlet, michael kors canada, air max, scarpe hogan, ray ban uk, nike free pas cher, nike blazer pas cher, lululemon outlet online, michael kors uk, nike air max, true religion outlet, air max pas cher, louboutin, lacoste pas cher, ralph lauren uk, hermes pas cher, nike roshe run, abercrombie and fitch, kate spade outlet, longchamp pas cher, ralph lauren pas cher, new balance pas cher, michael kors, coach purses, true religion, true religion jeans, hollister, converse pas cher, nike free, sac vanessa bruno, vans pas cher, north face, coach outlet store online, tn pas cher, timberland pas cher, oakley pas cher, ray ban pas cher

October 16, 2015 at 8:45:00 PM PDT  
Blogger ninest123 Ninest said...

nike roshe, nike air huarache, baseball bats, p90x workout, ferragamo shoes, asics shoes, louboutin, vans outlet, herve leger, valentino shoes, nike air max, babyliss, new balance outlet, insanity workout, chi flat iron, nfl jerseys, ray ban, air max, abercrombie and fitch, giuseppe zanotti, hollister, mont blanc pens, oakley, converse, vans, longchamp, beats headphones, ralph lauren, north face jackets, reebok shoes, north face jackets, abercrombie, bottega veneta, jimmy choo shoes, iphone case, birkin bag, soccer jerseys, lululemon outlet, ghd, hollister clothing store, instyler ionic styler, converse shoes, nike trainers, celine handbags, mac cosmetics, wedding dresses, gucci, timberland boots, mcm handbags, soccer shoes, michael kors outlet, longchamp outlet

October 16, 2015 at 8:47:00 PM PDT  
Blogger ninest123 Ninest said...

michael kors handbags, ugg, moncler, montre femme, canada goose, sac louis vuitton, pandora uk, wedding dress, louis vuitton, swarovski uk, marc jacobs handbags, louis vuitton canada, moncler outlet, pandora charms, canada goose outlet, coach outlet, michael kors outlet, moncler, links of london uk, canada goose pas cher, uggs canada, louis vuitton pas cher, moncler, moncler, michael kors outlet online, swarovski jewelry, juicy couture, moncler, hollister canada, supra shoes, louis vuitton uk, canada goose outlet, moncler outlet, moncler, ugg boots, barbour jackets, doke gabbana outlet, pandora jewelry, canada goose, canada goose outlet, canada goose, ugg soldes, canada goose, thomas sabo uk, karen millen, sac lancel, replica watches, ugg, juicy couture outlet, barbour, toms outlet, pandora jewelry
ninest123 10.17

October 16, 2015 at 8:50:00 PM PDT  
Blogger ninest123 said...

prada handbags, nike outlet, chanel handbags, tory burch outlet, louboutin pas cher, ugg boots, replica watches, michael kors, longchamp pas cher, kate spade outlet, louboutin outlet, louis vuitton, louis vuitton outlet, ralph lauren pas cher, oakley sunglasses, oakley sunglasses, uggs on sale, nike air max, longchamp, nike air max, air max, louis vuitton, ugg boots, gucci outlet, air jordan pas cher, tiffany jewelry, oakley sunglasses, jordan shoes, longchamp outlet, louis vuitton outlet, tiffany and co, prada outlet, christian louboutin outlet, louboutin, sac longchamp, ray ban sunglasses, louis vuitton, polo ralph lauren outlet, burberry, oakley sunglasses, cheap oakley sunglasses, polo ralph lauren outlet, nike free, nike free, louboutin shoes, replica watches, ray ban sunglasses, nike roshe run, longchamp outlet, ray ban sunglasses

August 28, 2016 at 6:57:00 PM PDT  
Blogger ninest123 said...

nike air max, timberland, north face, hollister pas cher, michael kors outlet, air force, replica handbags, lacoste pas cher, michael kors, nike roshe, michael kors outlet, hogan, ralph lauren uk, new balance pas cher, true religion jeans, michael kors outlet, coach outlet, michael kors, nike air max, nike air max, ray ban uk, vanessa bruno, north face, mulberry, burberry, ugg boots, ugg boots, true religion jeans, vans pas cher, nike free run uk, ray ban pas cher, converse pas cher, sac guess, abercrombie and fitch, burberry outlet online, hermes, tn pas cher, coach purses, michael kors, coach outlet, nike blazer, lululemon, michael kors outlet, true religion jeans, michael kors, true religion outlet, hollister, oakley pas cher, michael kors outlet, kate spade handbags

August 28, 2016 at 6:58:00 PM PDT  
Blogger ninest123 said...

soccer jerseys, nike huarache, lululemon, ralph lauren, instyler, nike air max, hollister, new balance, nfl jerseys, wedding dresses, gucci, lancel, insanity workout, converse, hollister, nike roshe, soccer shoes, ferragamo shoes, converse outlet, beats by dre, north face outlet, chi flat iron, asics running shoes, mont blanc, nike trainers, vans shoes, babyliss, p90x workout, jimmy choo shoes, birkin bag, herve leger, iphone cases, valentino shoes, north face outlet, celine handbags, vans, mcm handbags, hollister, ghd, timberland boots, reebok shoes, longchamp, mac cosmetics, oakley, abercrombie and fitch, nike air max, bottega veneta, ray ban, baseball bats, louboutin

August 28, 2016 at 7:00:00 PM PDT  
Blogger ninest123 said...

canada goose uk, canada goose outlet, swarovski crystal, toms shoes, moncler, pandora charms, ugg boots uk, coach outlet, moncler, swarovski, sac louis vuitton pas cher, moncler, moncler, montre pas cher, moncler outlet, bottes ugg, canada goose, canada goose, karen millen, marc jacobs, pandora jewelry, canada goose, supra shoes, ugg,ugg australia,ugg italia, doudoune canada goose, thomas sabo, moncler, moncler, canada goose outlet, louis vuitton, juicy couture outlet, ugg pas cher, ugg,uggs,uggs canada, pandora jewelry, pandora charms, moncler, hollister, wedding dresses, juicy couture outlet, louis vuitton, louis vuitton, links of london, replica watches, canada goose, louis vuitton

August 28, 2016 at 7:01:00 PM PDT  
Blogger Liu Liu said...

Louisville kept its recruiting momentum going on Saturday as they landed a Nike Air Max 90 commitment from four-star Class of 2018 guard Anfernee Simons. Regarded as the No. 72 overall prospect in the Rivals Class of 2018 national rankings, the 6-foot-2 louboutin outlet Simons is an cheap nfl jerseys explosive guard who can play on the ball and christian louboutin shoes really score. Simons nfl jerseys store led the Nike Roshe Run Under Armour Association’s 16U division Nike Air Max 2015 Shoes in Nike Free Run scoring this year as he put up 22.9 points per christian louboutin uk game while shooting NFL Jerseys 43 percent from three-point range. wholesale nfl jerseys

November 12, 2016 at 7:28:00 PM PST  

Post a Comment

Subscribe to Post Comments [Atom]

Links to this post:

Create a Link

<< Home