Buy-to-Let Service Charges: When Does a Flat Stop Making Sense?
See how service charges and major works affect a rental flat. Includes Mark’s flat example, a document checklist and an interactive cashflow tool.
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Mark Parham
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Does a Limited-Company Buy-to-Let Mortgage Need a Personal Guarantee?
A company mortgage can create a personal commitment. Understand the questions to ask about guarantee limits, joint liability, legal advice and release.
Read article →Can I Rent a Buy-to-Let Property to a Family Member?
Planning to rent a property to a relative? Check the mortgage route, discounted-rent cashflow, tax questions and legal arrangements before committing.
Read article →Flood Performance Certificates: What the New Pilot Means for Landlords
A new England pilot aims to make flood risk and resilience easier to assess. Understand the insurance distinction and test a rental cash-flow example before buying.
Read article →How to Delegate a Property Purchase Without Losing Control
Delegate a property purchase with a written brief, five approval points and a clear reporting process. Save time while keeping important decisions in your hands.
Read article →What Happens If a Buy-to-Let Is Down-Valued Before Purchase?
A lower valuation can increase your deposit. Use our calculator to compare paying more cash, renegotiating the price and reassessing the purchase.
Read article →Buy-to-Let Mortgage Fees: Low Rate or Low Fee?
Compare buy-to-let mortgage rates and product fees on the same basis. Includes an interest-only cost calculator, fee break-even example and broker checklist.
Read article →Can I Buy a Property With Cash and Mortgage It Later?
Buying with cash then refinancing? Model the loan, cash left invested and a lower valuation, and check what happens if the mortgage is delayed.
Read article →Repairs or Improvements: Which Rental Property Costs Are Deductible?
Understand rental repairs, improvements and replacement items. Work through a £12,000 example and prepare the evidence your accountant needs.
Read article →Your Property Investment Team: Who Does What?
Build your property investment team with clear roles for the broker, solicitor, surveyor, accountant, letting agent and sourcer. Includes a handover map.
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