Insights and events
back to Insights
Buy to let Britain
Edition four
Published: 19.03.2016
Welcome to the fourth edition of the half-yearly Buy to Let Britain report from Kent Reliance, looking at the trends in the private rented sector (PRS), and the Buy to Let mortgage market that supports it.
This edition comes at a time when the Buy to Let market is under pressure like never before. Two years on from our inaugural edition, both the PRS and the Buy to Let market now sit firmly in the sights of both politicians and regulators. Driven by a political agenda that prioritises home ownership and a view that Buy to Let is harmful to the UK’s housing market, property investors are seen as the scapegoats for the nation’s housing issues, whilst regulators are turning their attention to the lenders that support the market. This constant focus on managing demand does nothing to address the real issue, which remains the lack of supply of new housing. However, notwithstanding the various initiatives aimed at curbing Buy to Let, the reality is that the market, and the PRS that it supports are essential parts of our housing supply. It is unfortunate that this is not acknowledged by policy makers, whose actions will primarily affect the tenants who they are arguably aiming to support; the prospect of higher tax on Buy to Let is already pushing up rents.
This report follows one of the industry’s busiest ever periods, as property investors moved at breakneck speed to complete purchases ahead of a new stamp duty surcharge on second homes. But the full impact of recent tax and regulatory changes is still to come. Meanwhile, the measures announced in the Chancellor’s 2015 Summer Budget have changed the way in which landlords approach mortgage finance, and spurred large landlords into forming limited companies. As always, we have worked out the current size of the PRS and its value – and more importantly – we consider the rate at which it is growing, and how the changing tax and regulatory environment will affect its growth.
Other Buy to let Britain reports
Is shared ownership the answer?
Adrian Moloney
08.07.2020
HMO FAQs - what you need to know
Alan Kimber
24.01.2022
The importance of professional relationships
Adrian Moloney
13.07.2020
Shared ownership product launch
Adrian Moloney
01.07.2020
Our broker liaison team are back on the phone
Adrian Moloney
27.05.2020
Supporting self-employed and furlough income clients
Adrian Moloney
01.07.2020
What the new stamp duty rules mean for BTL landlords
Adrian Moloney
19.07.2020
Three simple ways to save time and speed up your applications
Alan Kimber
04.10.2022
Are your buy to let landlords aware of the changes to UK tax relief on finance costs?
Adrian Moloney
14.09.2020
Five-star rated service at the Financial Adviser Service Awards
Adrian Moloney
19.11.2020
Homes for Ukraine
OSB Group
18.03.2022
Why buy to let still makes sense – and sustainability adds value
Jon Hall
21.07.2022
Great news, our service levels are back to normal
Adrian Moloney
14.12.2022
Incorporation can help landlords thrive in the buy to let game
Adrian Moloney
12.06.2023
Five key opportunities for brokers ahead of EPC Legislation
Adrian Moloney
19.06.2023
How you can help portfolio landlords make the most of the changing rental market
Adrian Moloney
26.09.2023
The rise of the professional landlord: What does the changing rental market mean for brokers?
Adrian Moloney
12.12.2023
What HMO landlords need to know
Adrian Moloney
04.01.2024
The importance of upfront conversations – an interview with office BDM Zoe Bradin
PR Team
18.04.2024
Where are the opportunities in the private rented sector?
Emily Hollands - Group Head of Distribution
16.05.2024
I feel empowered to give the broker the best solutions for their customer - an interview with Helen Comben, BDM for Kent Reliance for Intermediaries
PR Team
12.11.2024
I like to know I’m making a difference to someone’s life – an interview with Tony Grimwood, senior underwriter at Kent Reliance for Intermediaries
PR Team
16.09.2024
A good conversation can lead to a successful outcome
Adrian Moloney
07.06.2024
Case roundup - Examples of recent conversations with our brokers
PR team
06.06.2024
Why it’s so important you tell us about your vulnerable customers?
Liza Campion
22.05.2023
Worried your customer’s capability issues could make them vulnerable?
Adrian Moloney
22.05.2023
Is your customer’s health making them vulnerable?
Liza Campion
22.05.2023
How unexpected life events can make even the strongest customers vulnerable?
Adrian Moloney
22.05.2023
How a lack of emotional resilience could make your customer more vulnerable?
Liza Campion
22.05.2023
Transferring a property into an SPV - what do you need to know?
Adrian Moloney
16.08.2022
Can you support your limited company landlords?
Alan Kimber
01.10.2021
How specialist lenders can help limited company landlords in a changing buy to let market
Adrian Moloney
19.07.2021
Three things to consider for your next shared ownership case
Adrian Moloney
22.04.2021
Do shared ownership applications involve more work for brokers?
Adrian Moloney
10.12.2020
Do you know which lender to turn to for your first-time buyers?
Adrian Moloney
08.12.2020
What are the advantages of shared ownership for your clients?
Adrian Moloney
03.12.2020
How does the stamp duty holiday affect shared ownership?
Adrian Moloney
30.11.2020
Six reasons to have us on your limited company list
Adrian Moloney
21.10.2020
Top tips for forming successful professional support networks
Adrian Moloney
22.09.2020
The importance of professional relationships – Q&A
Adrian Moloney
14.09.2020
The spotlight on stamp duty – where can landlords seize further savings?
Nathan Goodridge
19.08.2020
HMO room size and overcrowding regulations
Adrian Moloney
29.07.2020
Essential HMO safety advice for your landlords
Roger Morris
02.07.2020
Supporting complex income in a changing world
Adrian Moloney
13.07.2021
The trials and tribulations of complex income
Alan Kimber
22.06.2021
Buy to let Britain
Edition nine
06.05.2019
Buy to let Britain
Edition eight
11.05.2018
Buy to let Britain
Edition seven
18.11.2017
Buy to let Britain
Edition six
13.05.2017
Buy to let Britain
Edition five
18.11.2016
Buy to let Britain
Edition three
12.03.2015
Buy to let Britain
Edition two
12.01.2015
Buy to let Britain
Edition one
10.12.2014
So, let’s talk… application pitfalls
Underwriting Team
31.07.2024
Five tips for solving challenging cases
Alan Kimber
19.01.2022
Considerations for landlords pursuing limited company structures in 2022 and beyond
Alan Kimber
01.10.2021
Don’t be limited by limited company lending – latest FAQs
Adrian Moloney
16.11.2020
How brokers can make their email communications work harder
Jim Brown
03.08.2020
How brokers can use digital channels to reach potential clients
Jim Brown
27.07.2020
Five top tips to help you place complex cases
Adrian Moloney
15.07.2020
Five ways you can better support your clients
Adrian Moloney
06.07.2020
How brokers can help their self-employed clients get a mortgage
Adrian Moloney
01.07.2020
The oldest trick in the book? The importance of word of mouth marketing
Jim Brown
22.06.2020
What you need to know when packaging a case
Dawn Mirfin
17.06.2020
Why it's important to support vulnerable clients
Adrian Moloney
16.06.2020
Why mortgage brokers need a customer retention strategy
Adrian Moloney
10.06.2020
Five things to know about converting a property into an HMO
Adrian Moloney
01.06.2020
Don’t miss a trick: what you need to provide on a case
Adrian Moloney
27.08.2020
HMO FAQs – We explore further on what you need to know
Adrian Moloney
15.09.2020
