3%额外印花税开始以后,Buy to Let的房贷数目减半,初次买房自住的人竞争的买家减少了,这对要买房的人说可能是好消息吧

Buy-to-let slump after stamp duty change Mortgage activity in the UK buy-to-let sector has halved since the introduction of a stamp duty surcharge, figures show.

Since April 2016, anyone buying a buy-to-let property or a second home has had to pay a 3% stamp duty surcharge.

Some 71,100 loans were advanced for house purchases by landlords in the year since the tax change, the Council of Mortgage Lenders figures show.

This compares with 142,100 loans in the previous 12 months.

‘Attractive deals’

Since April 2016, landlords have faced a 3% surcharge on stamp duty - or Land and Buildings Transaction Tax in Scotland - if they already owned another property. There have also been changes to what landlords can claim in tax relief.

Simon Bennett, a landlord from Belfast with 35 properties, said the extra tax only affected some purchases, but was coupled with banks being very reluctant to lend.

“They had their fingers burnt before, so they are not lending,” the 40-year-old said.

There was a big spike in mortgage lending for house purchases in the buy-to-let sector in March 2016, followed by a significant drop off.

The latest figures are the first indication of the first full year since the tax change was made. Landlord house purchases have stayed low but first-time buyer mortgages have started to pick up. The CML expects this trend to continue.

“As we head into the summer, both first-time buyer and remortgage lending [are] expected to maintain momentum in the light of the very attractive deals currently available,” said Paul Smee, director general of the CML.

However, first-time buyers still face significant challenges, not least strict affordability rules and a requirement to find thousands of pounds for a deposit.

Despite competition between lenders pushing down mortgage rates to record lows, existing owners are also facing pressures from rising clothing and energy prices. The UK’s inflation rate rose last month to its highest since September 2013, at 2.7%.

Following a survey by mortgage lender L&C Mortgages, it estimated that 2.5 million people have been forced to make significant cutbacks to reduce their spending in order to afford their mortgage payments.

其实很多要价都挺高的,我看到的几个地方比2015年都要要价高50k左右,害得我都不知道怎么砍价好。钱存在银行又一天天贬值,郁闷

如果不是非买不可,使劲砍。

我觉得,今明两年是购房的绝佳时机了,利率低,没人抢,不能再犹豫了

是被低利率逼着买 {:5_129:}

条件满足的情况下,果断的人始终会买,犹豫不决的人始终犹豫

Anytime is good time. 关键就看是不是适合每个人的情况了。

任何时候都会有人看涨有人看跌。 {:5_142:}

不论是不是买房子,现金放在银行贬值的确是个问题,通胀都快3%了。贷款利率1.xx%,的确比较吸引人。但是如果有别的投资机会,也可以多元化一些。

砍了,,人家不卖了。。。:stuck_out_tongue_winking_eye:

借帖子问一下,大家都认为近几年银行贷款利率会长涨吗?

英格兰央行的金融政策委员会每年开8次会议,最近公布的纪录显示,3月份的会议,8票保持利率不变,1票建议加0.25%,英镑因此上涨。这说明有加息的压力,压力主要来自通货膨胀率在上涨,但是因为老百姓收入上涨低于通胀增加率,通胀还在可控状态。

未来如果Brexit带来的英镑贬值充分体现出来以及国际油价开始回升的话,通胀会上升,加息的压力会更大。但考虑到经济还比较疲软,加息的幅度不会太大。

不过到Brexit真正来以后,如果英镑进一步下跌,那央行有可能会加息支持英镑的。

总之,wait and see。

tory说了要把40p起征点提高到50k! 这样如果一家弄两套一年房租10k的还是有的赚的,
就算考虑到各种消费,也应该比买bonds或者存定息利息高好几倍

我们这里学校旁边的房子被各种抢啊,别说砍了,就算asking price出晚一点都抢不到。。。

哈哈,这就是我的策略。使劲砍。

那要看什么学校,我们这里大学附近的房子比远离大学的房子便宜50k以上,因为治安差,超级差。

就是怕英国真退出欧盟这利率涨的不是一点半点到时想fixed 5年都来不及

诺大。。。只要是步行10分钟范围内的房子,只要没塌,基本上就是秒清,昨天看一房子,离诺大西门走路5分钟,4bed terrace,里面那个惨不忍睹,估计以正常学生宿舍的标准,得再扔20-30k,标价160k,今天中介打电话问我,要不要出个价,我说那就150k吧,里面全得重弄,中介来一句,I can kindly advice you that the vendor has recieved some offers and none of them is under asking price. 我听完就呵呵了,我说算了,不感兴趣了。上个月也是这一排的房子,有一家也是出价160k,里面稍好一点,刷刷漆换个地毯,厨房稍微收拾一下就行了,结果第二天直接cash buyer asking price拿下。。。

证明伦敦投资上北上,买180k以内的房子,避免高额奢侈税

我们也在诺村,昨天去看了个房子,全天好几拨儿去看的(不是open day),今早打电话去中介问,负责这房子的lady说好几个offer了,我们打算岀的价据说有人出过被拒了,还说房主说低于多少多少不卖。我老公赶紧跟我商量,我们打算升点再试。中午我老公打电话告诉我,他打回去想给offer,但负责的那人接电话呢,是她同事接的,我老公就多了个心眼假装没打过电话的问有多少viewing,多少人给offer,中介耿直boy说我电脑帮你查一下,然后说,很多人看呢,但是没人给offer。没想到英国中介的人也玩儿这套啊 {:5_142:} {:5_142:} {:5_142:}