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Buy to Let Box Set

Offering information and insight throughout August

As the landscape for landlords continues to shift, responding to new legislation, changes in ownership and yield expectation, there is no doubt that advisers in this area needs to be able to understand the nuances of that change, to meet the expectations of their landlord clients, remaining that trusted point of contact.

In support of this, and following feedback from our recent event survey, we’re pleased to deliver a series of 4 one-hour events each Friday during August with FIBA lender partner, CHL Mortgages, delivered by Roger Morris, Group Distribution Director wit CHL and an experienced landlord in his own right.
 

1. Friday, August 7, 10:00 AM - 11:00 AM

An Overview of the By-to-Let Landscape

The buy-to-let market has undergone one of its biggest transformations in decades. This session provides a comprehensive overview of the current landscape, exploring legislative reform, affordability, landlord behaviour and the opportunities that still exist for advisers.

Covers:

  • Legislative Timeline - understanding the impact of historic and recent changes, renters rights bill etc. 
  • Current Buy-to-Let market overview,  
  • First Time Buyers vs First Time Landlords - different considerations, 
  • Abolition of Section 21, now replaced by Section 8, 
  • Special Purpose Vehicles (SPVs) - formation, setup, SPV & SIC codes, 
  • Joint Tenants vs Tenants in Common - bespoke ICRs, 
  • Tenant profiles and types AST & APT, 
  • Affordability stress testing, purchase and portfolio, 
  • Reasons to invest in Buy-to-Let, 
  • Recent changes affecting landlords, 
  • Strategies for adapting to market evolution

Register

 

2. Friday, August 14, 10:00 AM - 11:00 AM

The Different Structures of Ownership for BTL

Roger is joined by Tax Specialist John McCaffrey from Alexander & Co.

With landlords contemplating incorporation due to rising funding costs, it is crucial that they fully understand the implications of operating via a Limited Company SPV versus personal ownership. This session emphasises the importance of obtaining independent legal and tax advice, while covering technical details around incorporation tax relief, beneficial interest, and ownership structures, purely to give an informed position, not for information only – not to give tax advice.

Covers:

  • Introduction to complex BTL ownership structures,  
  • Explaining the difference between personal ownership and LTD Co ownership, 
  • Impact of borrowing cost increases, larger lender fees 
  • Overview of BTL tax structures, 
  • Debentures and floating charges, 
  • Stamp Duty surcharge rules,
  • Rental yield calculations including bespoke ICRs, 
  • Joint tenants vs tenants in common, 
  • Form 17 implications, 
  • Inter-company loans, 
  • Company shareholding structures, family trusts, 
  • Incorporation tax relief (Section 162), 
  • Stamp Duty Partnership Incorporation Relief Schedule 15 Finance Act 2003, 
  • Ramsay Ruling – 27 March 2013

Register

 

3. Friday, August 21, 10:00 AM - 11:00 AM

The Renters' Rights Act: A Comprehensive Guide to HMOs, MUFB and The Renters' Rights Act

In uncertain markets, HMOs and MUFBs maximise rental yields. This webinar explores the legislative, regulatory and planning requirements for these property types, including regional variations and licensing obligations.

Covers:

  • Housing Act 2004 - definition of a HMO 
  • Article 4 and Permitted Development Rights,  *Conversion processes, 
  • Planning application requirements,  * Mandatory licensing, 
  • Rules affecting HMO applications now and in future, 
  • Selective and additional licensing, 
  • Rules in Northern Ireland, Wales, and Scotland, 
  • MUFB and hybrid MUFBS with serviced accommodation, 
  • New Fire Safety Regulations for Serviced Accommodations in England, 
  • MUFBs and hybrid MUFBs where leases/services are not split.

Register

 

4. Friday, August 28, 10:00 AM - 11:00 AM

Bridging, Equity Acceleration, Refurb BTL, Cross Charging, Holiday Lets, Let to Buy, and Landlord Engagement.

Covering a broad spectrum of short-term and specialist property finance strategies looking at bridging finance, refurbishment strategies, holiday let regulations, Let to Buy market trends and effective landlord engagement techniques in high-interest environments.

Covers:

  • Holiday lets overview (including Airbnb's), 
  • Legislative changes for holiday lets and Airbnb's, serviced accommodation,
  • Bridging and short-term lending, 
  • Cross charging, 
  • Equity Acceleration, 
  • Refurbishing a BTL and equity release strategies, 
  • Let to Buy market dynamics, 
  • Is your landlord paying tax? 
  • Landlord engagement and education.

Register