Property Filter News Desk

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Property Filter logo featuring a blue brick circle icon with three tilted property filter symbols, next to bold blue text reading 'PROPERTY FILTER'

UK Property News for Investors

UK Property News for Investors

UK Property News for Investors

UK Property News for Investors

Daily market updates, mortgage rates, tax changes, and regulation news.
Written by our specialist AI news team. Rigorously reviewed before every publication.

Meet the team

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Market

Mortgage Product Choice Falls as Geopolitical Risk Bites

Mortgage product choice is down and shelf-life is down. Trump's latest military action rattled swap markets - if you have a remortgage due in the next six months, talk to your broker before the next reprice lands.

THE PROPERTY FILTER TAKE

  • Mortgage product choice has fallen and deal shelf-lives have shortened as Trump's military actions pushed volatility through swap markets.

  • For a portfolio landlord, a shrinking product window means your refinancing options can close faster than your diary allows - a deal pulled overnight is a deal you can't take.

  • Consider speaking to your broker now if you have a remortgage due in the next six months, so you're positioned before the next reprice.

*The Property Filter Take** > - Mortgage product choice has fallen and deal shelf-lives have shortened as Trump's military actions pushed volatility through swap markets. > - For a portfolio landlord, a shrinking product window means your refinancing options can close faster than your diary allows - a deal pulled overnight is a deal you can't take. > - Consider speaking to your broker now if you have a remortgage due in the next six months, so you're positioned before the next reprice. # Mortgage Product Choice Falls as Geopolitical Risk Bites *Rob Whitaker

*The Property Filter Take** > - Mortgage product choice has fallen and deal shelf-lives have shortened as Trump's military actions pushed volatility through swap markets. > - For a portfolio landlord, a shrinking product window means your refinancing options can close faster than your diary allows - a deal pulled overnight is a deal you can't take. > - Consider speaking to your broker now if you have a remortgage due in the next six months, so you're positioned before the next reprice. # Mortgage Product Choice Falls as Geopolitical Risk Bites *Rob Whitaker

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Latest News

Latest News

Latest News

Multi-storey residential apartment block with balconies and small windows, framed by a green leafy tree.

Lettings

Government Rules Out Rent Controls as Greens Push Local Caps

Government says no to rent controls - but the Greens want local councils to set their own caps. If you run an HMO, check who controls your council before May's elections. Room rates could be on the line.

*The Property Filter Take** > - The UK Government has formally rejected rent controls, citing international evidence from Sweden, Germany, San Francisco and Scotland. > - For HMO landlords, the immediate risk was council-level caps - the Green Party's plan would give local authorities powers to set their own limits on room rents, not just whole-property rents. > - Consider checking which party controls your council before the May elections - if the Greens are competitive in your area, speak to your letting agent about how a local cap scenario could affect your room rate strategy. # Government Rules Out Rent Controls as Greens Push Local Caps *James Morton

*The Property Filter Take** > - The UK Government has formally rejected rent controls, citing international evidence from Sweden, Germany, San Francisco and Scotland. > - For HMO landlords, the immediate risk was council-level caps - the Green Party's plan would give local authorities powers to set their own limits on room rents, not just whole-property rents. > - Consider checking which party controls your council before the May elections - if the Greens are competitive in your area, speak to your letting agent about how a local cap scenario could affect your room rate strategy. # Government Rules Out Rent Controls as Greens Push Local Caps *James Morton

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Close-up of a man in a dark suit handing house keys to a woman in a coral top outside a home.

Tax

Help to Buy Helped the Better-Off Most, IFS Research Finds

Help to Buy most benefited higher earners who would have bought anyway, the IFS finds. One in five first-time buyer purchases at peak. If you hold new-build stock from 2013-2023, speak to your accountant before any disposal.

*The Property Filter Take** > - New IFS research confirms Help to Buy's 2013 schemes benefited higher-income households most, particularly outside London and the South East, while having little effect on social mobility. > - For property investors, the relevant number is one in five: that share of first-time buyer purchases was supported by these schemes at their 2014-15 peak, inflating demand for new-build stock in that period. > - If you hold new-build properties from the 2013-2023 Help to Buy era, consider speaking to your accountant about the current valuation relative to your original purchase price before any disposal. # Help to Buy Helped the Better-Off Most, IFS Research Finds *Janet Whitfield

*The Property Filter Take** > - New IFS research confirms Help to Buy's 2013 schemes benefited higher-income households most, particularly outside London and the South East, while having little effect on social mobility. > - For property investors, the relevant number is one in five: that share of first-time buyer purchases was supported by these schemes at their 2014-15 peak, inflating demand for new-build stock in that period. > - If you hold new-build properties from the 2013-2023 Help to Buy era, consider speaking to your accountant about the current valuation relative to your original purchase price before any disposal. # Help to Buy Helped the Better-Off Most, IFS Research Finds *Janet Whitfield

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Bearded man in white shirt and glasses works at a laptop in front of a large BROKER sign on the wall.

Market

Virgin Money and Clydesdale Exit the BTL Market

Virgin Money exits BTL from 28 April. Clydesdale already gone. Fleet cuts rates 20bps on 75% LTV fixes. Fewer mainstream lenders = fewer options at refinance. Know your exit route n

Rob Whitaker

Rob Whitaker

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Red HOME FOR SALE sign on a wooden post with a man in dark clothing standing against a timber wall.

HMO

Landbay adds small HMO remortgages to Premier range

Landbay has launched small HMO remortgages in its Premier range - five-year fixes at 70% LTV with rates from 4.84%. Three fee structures available for properties up to 6 beds. Check your licence before applying.

James Morton

James Morton

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Woman in red blouse and white gloves examines sheets of postage stamps in an open collector's album.

Tax

Stamp duty hike kills investor buying as sales plummet

"This is why you don't hear about flipping any more." Investor property sales have plummeted. The 5% SDLT surcharge adds £15,000 upfront on a £300k purchase - before 24% CGT on any profit. The maths have changed. #Stamp

Janet Whitfield

Janet Whitfield

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Whitewashed Cornish cottage beside a stone harbour wall with moored yachts and a hillside village under a blue sky.

SA

Second-home owners flip to holiday lets as council tax bites

UK councils are losing £383m/yr as second-home owners reclassify as holiday lets to pay zero tax. The loophole is growing - 4.4% more properties entered the system this year. #PropertyInvestment #ShortTermLets

Marcus Sterling

Marcus Sterling

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