Author Archives: Doug Hall

About Doug Hall

Doug Hall is a director of 3mc; a specialist mortgage provider within the buy-to-let sector. 3mc have been established for over 17 years working with lenders, mortgage intermediaries and the Residential Landlords Association (RLA) providing all types of buy-to-let mortgage solutions.

Keep calm and carry on

In last years’ article, I started with the statement “well what a year it has been for the buy-to-let market” a year that I thought was filled with unprecedented change but also that we shouldn’t lose sight of the continued … Continue reading

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Limited company buy-to-lets enable landlords to leverage assets

Earlier this year, I wrote an article in the RPI magazine in which I highlighted the increasing interest in limited company buy-to-lets. In it, I pointed out that the tax changes being introduced by a chancellor who was clearly set … Continue reading

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The continuing evolution of the HMO market

The market for housing of multiple occupancy (HMO) has gone from strength-to-strength over the past year and there are good reasons to believe this trend will continue in the future. Why? Firstly, landlords are seeking higher yielding investments as returns … Continue reading

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Evolution of the buy-to-let market

The big question hanging over the buy-to-let market is whether the chancellor intends to squeeze it so hard that it starts to implode under the pressure, or whether the tax and regulatory changes being introduced will simply bring about the … Continue reading

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The rental stress of running a limited company

When the chancellor announced last summer that he intended to make the tax regime less favorable for individual buy-to-let landlords, it was inevitable that investors would look for ways to overcome this significant challenge. The proposed changes mean that landlords … Continue reading

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No end to rising demand for rented homes

A new analysis out today by Savills has suggested that demand for rented homes will rise by more than one million households over the next five years despite government measures to help ‘generation rent’ become ‘generation buy’. View Savills report. RLA … Continue reading

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The Buy-to-Let remortgage myth

There is an urban myth amongst some buy-to-let landlords and brokers that a rental property cannot be remortgaged within six months of purchase. Not true. The reality is that although many (but not all) mainstream buy-to-let lenders won’t allow a … Continue reading

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Well, what year it has been for the buy-to-let market!

After a second year of strong growth in 2014 year (growing by around 30% on the previous year to £27.4bn), as we entered 2015 I couldn’t help thinking that buy-to-let lending had finally recovered from the beating it took during … Continue reading

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Owning property within a limited company

The Chancellor’s announcement in the summer Budget that he intends to reduce the tax relief available to wealthier landlords to 20% from April 2020, has certainly set a number of hares running. In response, some investors are considering purchasing, and … Continue reading

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When is a HMO not a HMO?

Houses in multiple occupation (HMOs) have become increasingly popular as property investors look to maximise yields on their portfolios. It’s easy to understand the attraction of HMOs to investors. Multiple tenants generate more rental income and there is less dependency … Continue reading

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