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Moulton Estates - Estate Agents in St Albans, Hatfield, London Colney, Colney Heath, Park Street, and surrounding areas.

Premium Estate Agents in St Albans

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      • Sellers Guide
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+44 (0) 1727 846361
Moulton Estates - Estate Agents in St Albans, Hatfield, London Colney, Colney Heath, Park Street, and surrounding areas.

Premium Estate Agents in St Albans

  • Home
  • Services
    • Selling
      • Sellers Guide
    • Buying
    • Mortgages
    • Lettings
    • Testimonials
    • FAQs
  • Properties Search
    • Compare Properties
    • Favorites
    • My Properties
  • Make An Offer
  • News
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+44 (0) 1727 846361
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All Posts in Category Property Investment

Shortage of retirement homes creates opportunities for BTL landlords

By

Gregory Moulton

Posted in Buy to Let, Property Investment On April 24, 2018

Older people are facing a shortage of suitable housing for their retirement, putting pressure on the wider property market.

A new report by Knight Frank, The Case for Retirement Housing, provides in-depth insight into the supply of retirement housing in Britain shows that developers and housebuilders, and to a certain extent buy-to-let landlords, have failed to tap into the opportunities created by an ageing population and there remains a lack of appropriate homes being constructed in the retirement housing sector.

Knight Frank point to the fact that there is currently 11.8 million people in the UK over the age of 65, which is forecast to rise by 20% over the next decade. This means that the time spent in ‘retirement’ will also lengthen, underpinning the crucial need for retirement housing.

Some 725,000 homes in the UK are currently classified as ‘retirement housing’, ranging from age-restricted developments to close care housing, which accounts for around 2.6% of total housing stock and is dominated largely by older stock in the affordable housing sector. Private retirement housing accounts for less than 1% of all dwellings in the UK.

Tom Scaife, head of retirement housing at Knight Frank, said: “The forecast growth in the UK’s older population, coupled with a need for housing that can free up family homes and help alleviate the stress on the NHS and social services, means that the case for retirement housing delivered at scale has never been stronger.

“In its basic form, retirement housing can help reduce loneliness, is a safer environment in a community setting and reduces visits to hospital. The scenario of falling down the stairs at home, commencing a cycle of increased frequency and finally, the need to go into a care home could be negated.

“With increased awareness of the benefits of retirement housing, clarity at the planning stage, and some much needed incentives retirement housing can be delivered at scale and help to tackle the social care and housing crisis in one go.”

Article courtesy of Landlord Today | Sign up for Landlord Today newsletter | Get this news on YOUR site!

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TMW scraps age limit for experienced BTL landlords

By

Gregory Moulton

Posted in Buy to Let, Property Investment On April 24, 2018

The Mortgage Works (TMW) is removing all upper age restrictions across its buy-to-let product range for experienced landlords.

Currently, the buy-to-let arm of Nationwide Building Society’s maximum lending age is 70. But having decided that cases from older borrowers who have long invested in the BTL sector offer no more risk than younger ones, TMW will scrap the maximum age restriction for those older borrowers who qualify next week.

From Wednesday 18th April, there will be no maximum age at application nor at redemption for experienced landlords looking to borrow up to 65% loan-to-value (LTV) for either purchase and remortgage.

The same criteria will also apply to limited company mortgages, currently being offered by TMW.

TMW recently increased the maximum LTV for buy-to-let mortgages from 75% to 80% for first time and landlords. 

Paul Wootton, TMW’s director of specialist lending, said: “The group of experienced landlords is both growing and growing older, and market options are more limited for retirees seeking to retain their buy-to-let properties in order to supplement their pension.

“By removing the maximum age when applying for a buy to let mortgage, TMW is supporting the increasing market demand in this area.”

Article courtesy of Landlord Today | Sign up for Landlord Today newsletter | Get this news on YOUR site!

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NatWest and Barclays change rates for BTL mortgage products

By

Gregory Moulton

Posted in Buy to Let, Property Investment On April 24, 2018

Barclays and NatWest have introduced rate changes to some of their buy-to-let purchase mortgage products.

Barclays has raised rates across no fewer than 62 products on its buy-to-let, residential and Help to Buy ranges by up to 12bps.

The lender blamed the recent increase in the cost of funds for the hikes. 

NatWest has also raised rates, which it said reflected ‘current market conditions’.

Some of its two-year fixed rate BTL purchase products have increases of one to 3bps, while some five-year fixed rate purchases are up by between 6 and 11bps.

Natwest has also made changes to some buy-to-let remortgages, particularly the two-year fixed rate deals, which are up by between one and 6bps.

A NatWest Intermediary Solutions spokesman said: “Having reviewed our portfolio we have made some adjustments to rates to reflect the current market conditions and balance our mix of business.”

Article courtesy of Landlord Today | Sign up for Landlord Today newsletter | Get this news on YOUR site!

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Why over-pricing your property is dangerous

By

Gregory Moulton

Posted in Buy to Let, Property Investment, Selling Property in St Albans On April 17, 2018

According to the February House Price Index Report from Rightmove.co.uk, sellers are 40% more likely to sell their property if priced right when they first come to market. 75% of buyers reported that they were reluctant to even inquire about a property if priced just a few percent too high, therefore, your buyer may not bother enquiring…

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Property Types

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Our Team


I found the staff at the company very helpful and responsive to my questions and went out of their way to ensure the purchase went smoothly. Read more Read lessRichard WoodcockJune 8, 2021
These guys are amazing! We had such a difficult chain, and they went above and beyond to get us exchanged. Couldn't rate them enough. Very open communication, really managed the chain and always on the end of the phone, when needed. Would definitely use them again. Read more Read lesssabrina SabrinaJuly 12, 2020
First class service, So happy with my new home Read more Read lessJamie HambletonAugust 3, 2016
Absolutely a breath of fresh air compared to other agents, thanks for all your hard work in selling my property so quickly Read more Read lessJamie JonesAugust 3, 2016
Fantastic team, professional services always on the other side of the phone to help. Natalie, Gregory, Ben always went out of their way to provide excellent advice and customer satisfaction. Would definitely recommend this agency for all your house needs. Will use services again for sure Thanks again guys Read more Read lessMACHICAIRO MADEIRAOctober 14, 2019
I would like to thank Gregory, Natalie and all the team for their hard work to complete the sale of my property. I found the service offered exceptional, friendly and professional. I would recommend Moulton Estates for these reasons. Read more Read lessShaughnessy CarolineJuly 29, 2021
Gregory was fantastic. Had the tenacity and killer instinct to make sure the sale went through, when just about everyone else was letting us down. Now happy in our new place! Read more Read lessDavid BaillieJanuary 21, 2021
Trouble free sale process. The team at Moulten Estates were always available and responsive, providing clear updates throughout, and proactively chasing the sale through. No hesitation in recommending. Read more Read lessJames DickensMay 8, 2021
I can’t recommend Moulton Estates highly enough - their phenomenal service, friendly, clear and efficient communication and unparalleled local market knowledge meant they were the obvious choice when we sold our home last year. In fact, from start to finish the process was exemplary - and the honesty, care and attention to detail blew us away. These guys are LEAGUES ahead of any other estate agent I have worked with, spoken to or used before. Gregory and the team are truly experts in the St Albans and wider Hertfordshire housing market and it shows. If you are buying or selling then give them a call! Well done guys and thank you again - keep up the great work! Read more Read lessNick JohnsonOctober 14, 2019
I can’t recommend this company highly enough. Moulton Estates are the most professional and helpful lettings agent i have ever dealt with. Gregory (owner) and Lenka could not have done more to help us in our process of moving home. Our new flat is spotless and exactly what we were looking for. Look no further than Moulton Estates. Would give 6 stars if i could! Read more Read lessMatthew RobertsJuly 25, 2020

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Moulton Estates – Estate Agents in St Albans, Hatfield, London Colney, Colney Heath, Park Street, and surrounding areas.
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