In every market cycle, the most successful property investors are those who adapt. Where some see barriers, others spot opportunities. The sector has navigated everything from the global financial crisis to Covid, and now, particularly for Scottish landlords, a wave of legislative and fiscal pressures. Rent controls, rent freezes, and the Additional Dwelling Supplement (ADS) …
Read more >The landscape for property finance in Scotland has shifted significantly over the past few years. Changes to taxation, lending criteria, and market conditions have prompted many landlords and investors to reassess how, and whether, they continue to grow their portfolios. In episode 104, Gillian speaks with Peter McDermid, Owner and Director of Logic Property Finance, …
Read more >Property assets don’t manage themselves and overtime the complexities have become more and more onerous. Even the most seasoned landlord will know that buildings, tenants, debt, tax exposure, legislation, compliance and cash flow rarely move in the same direction. For years, letting agents were seen primarily as facilitators; arranging viewings, collecting rent, and keeping things …
Read more >The finance market for landlords in Scotland has undergone a seismic shift in the past 18 months. Tax policy changes, most notably the increase of the Additional Dwelling Supplement (ADS) to 8%, have reshaped the economics of buy-to-let (BTL) investment and forced landlords to rethink acquisition strategies. While single-unit purchases now face significant headwinds, opportunities …
Read more >When applying for a buy to let mortgage, it can certainly feel like being in a minefield not knowing which way is the safest way to turn. There are enticing mortgage offers out there for landlords, but you’ll need to prepare yourself for strict affordability tests and application processes. While most lenders have their own …
Read more >Landlords face an evolving tax landscape, and staying on top of changes can feel overwhelming. In episode 103 of Lets Talk, James Edwards, Co-Founder and Tax Director at Anderson and Edwards Ltd, shares his perspective on the challenges property investors encounter and how to prepare for them. Understanding Making Tax Digital (MTD) One major focus …
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