Your Industry  

Guide to Buy-to-let

    Guide to Buy-to-let


    Greater pension freedom could potentially allow individuals to purchase property with lump sums taken from their savings pots, if there is a perceived benefit in doing so in terms of rental yield and capital growth.

    Buy-to-let as a source of retirement income is possible in cases where the total annual rent is more than the total cost of owning and managing the property - and where it provides a strong enough yield even after the cost of capital from withdrawal taxes is taken into account.

    This guide explores the pros and cons of buy-to-let, regulation of this part of the industry and making sure your client isn’t using this type of loan to bypass the Mortgage Market Review’s affordability requirements.

    Supporting material produced by: the Council of Mortgage Lenders; Chris Maggs, buy-to-let commercial manager of Accord; Bob Young, chief executive of Fleet Mortgages; Dale Jannels, managing director of Atom; and Charles Haresnape, managing director of mortgages and commercial lending at Aldermore.

    This guide is sponsored by Aldermore. All editorial is independent.

    In this guide


    Please answer the six multiple choice questions below in order to bank your CPD. Multiple attempts are available until all questions are correctly answered.

    1. What does Mr Jannels say some buy-to-let lenders stress test at rates up to?

    2. According to government figures, how many properties could be owned by private landlords by 2032?

    3. Why do minimum income requirements generally apply, according to Mr Haresnape?

    4. What questions do landlords need to ask themselves about the best way to manage a property, according to Mr Maggs?

    5. If a property is a multiple let, how does Mr Young say lenders assess rental income?

    6. What is the deadline for the UK to implement the Mortgage Credit Directive’s buy-to-let requirements?

    Nearly There…

    You have successfully answered all the questions correctly, well done!

    I completed this CPD in

    To bank your CPD please complete the form below.

    Were the stated learning objectives met?

    Why weren't they met?

    What did you learn from undertaking this CPD exercise?

    Why did you undertake this piece of learning?

    Any comments about this article or FTAdviser's CPD in general?


    Congratulations, you have successfully completed and banked this piece of CPD

    Already Banked!

    You have already banked for this article.

    To bank your CPD you must sign in or


    One or more questions have been incorrectly answered,
 please review your answers and try again.

    Please complete all the above text fields to bank your CPD.

    More Your Industry CPDSee my completed CPDSee all CPD