Topics Covered

The Mortgage Times Group – Overview of the Buy to Let Market
Chris May, Director of The Mortgage Times Group

The buy-to-let market now consists of nearly 12% of all UK lending, and there continues to be an undersupply of housing in the UK marketplace. The recent downturn in the markets due to the ‘credit crunch’ needs to be kept in perspective when both arrears and the performance of the market as a whole have remained strong throughout this turbulent period. However, the sector is becoming more refined and specialised than ever before, with the average professional buy-to-let investor owning 12 properties, usually flats or houses in city centres, worth around £1.5m. This presentation will give help in cultivating the right kind of relationship between broker and client as a professionalisation of the industry takes hold. Reservations that may hinder advancement in the Buy to Let market will also be outlined (such as seasonal rent), and information on how to make provisions for these will be outlined also.

Bristol and West – Buy to let as a good investment
Bob Stanworth, Senior Product Manager

People with capital have a range of options to consider when making an investment and there is no right or wrong place to invest. The choice is really down to the individual’s aims, objectives and personal choice at the end of the day.

The British love affair with property and the fears around other types of capital investments make the purchase of a Buy to Let property an attractive proposition for those seeking, what is perceived as, a lower risk long term investment. Add to this the fact that there is a ready supply of potential tenants and an undersupply of quality rental property in many towns across the UK and the attractiveness of buying to let as an investment increases significantly.

Society of Mortgage Professionals – The Role of Professionalism in an unregulated sale
Richard Fox Director CII & CE of the Society of Mortgage Professionals

Consideration of the key stakeholders in the transaction, what are the key topics that the consumer is looking for?, how the adviser can ensure that this matters are properly addressed?, the need to adopt high standards throughout the sales process  and the impact that this behaviour can have on the reputation of individuals and the industry in general.

Rooftop Mortgages – Has the ‘Credit Crunch’ bitten the buy-to-let market?

The future of the buy-to-let market continues to be a source of speculation and debate. With global ramifications, the credit crunch remains high on the agenda and impacts greatly upon the non-conforming mortgage market. BTL investors and intermediaries want to know what challenges lie in wait and how they can best plan for opportunities to grow their business. How will specialist lenders design BTL products that meet the new market’s demands?

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