Buy-To-Let Cash Buyers Are Becoming More Popular For UK Property Investors

According to an article on This Is Money cash buyers for buy-to-let properties has hit an all time high. In the UK landlords buying homes for cash has increased massively with 61% of buy-to-let properties purchased mortgage-free.

In January 2017 the quantity of landlords and investors buying properties in cash has grown. During this month 61% of Britain’s buy-to-let purchases were mortgage-free according to Countrywide lettings agents.

The Northern areas had the highest amount of buy-to-let cash buyers which dominated the other regions of England, further reflecting the lower house prices in the North of England.

The index provided by Countrywide recorded the percentage of cash buyers on buy-to-let properties in 11 locations. The results showed a variety of figures, but the average for the UK overall came to 61%.

The North West experienced cash buyers making up 70% of the buy-to-let purchases in January, whilst Yorkshire and the Humber followed with a close second of 68%.

The South West and North East has the same percentage of 67%, which is a big contrast to landlords and investors in the South East who mostly rely on mortgages with only 42% of London sales being independently financed. In general, the South East saw 54% of landlords purchasing without a mortgage.

buy to let property investment

When the index started in 2007 there was a record of buy-to-let cash buyers making up only 41% of all buy-to-let property purchases. Countrywide research director, Johnny Morris stated, “On average landlords sell a home once every 17 years. Meaning as prices have increased, a significant amount of wealth has built up in the sector. This is now fuelling cash purchases.”

The figures do not mean that landlords and investors are necessarily getting wealthier, but it may have something to do with the decline in mortgage lending for buy-to-let properties over the recent years. Mortgage lenders for buy-to-lets have put a limit on the number of buy-to-let mortgages you can have. The rates are also increasing and most lenders will ask for a 25% deposit and expect your income to be 125% of the mortgage.

There have also been recent changes in tax legislations to do with buy-to-let properties. For example, the 3% Stamp Duty Land Tax increase in April 2016 and the April 2017 tax relief on mortgage interest limitations.

As the property market continues to fluctuate and Brexit leaves the fate of the country’s economy uncertain, buy-to-let investments still seem to be a popular choice for property investors in the UK.

Visit the Sterling Woodrow Scribd page to read more about property investing.

Credit Control Tips To Get You The Help You Need

Royds Accountancy

Accountants in Eltham
43 Lovelace Green,
Eltham, London,
SE9 1LG
UK
Phone: 020 3488 0529

 

 

When you’re looking for credit control tips, you may be wondering what you can do to make sure your credit stays in shape. Here you’ll get that information and it can help you quite a bit. Good luck with this and keep reading for more.

When you want to buy something nice for your home, you shouldn’t do so with a loan of any kind. For instance, you may be able to afford a big screen television if you get a payday loan, but think about how much extra that will cost you with interest. Not to mention, if you can’t pay it off on time it will probably damage your credit and make it hard for you to get loans in the future. Be smart about these things so you don’t end up spending your money on something you don’t even need.

outsourced payroll service

Take a moment to look around for the best business to get any kind of a loan from. Your credit score will get damaged if you work with a place that doesn’t have your best interests in mind. A good thing to do would be to call to get a quote on the kind of loan you’re trying to get. Always make sure that you don’t hide from a company when you owe them some money. You’re going to want to work on a payment plan of some kind, and that’s why you need to be able to work with their customer service easily.

Now you’re able to tell what you can do when you want to protect your credit. The tips you were give here are going to assist you quite a bit, you just have to be willing to take the time and effort to put the tips to good use. A good outsourced payroll service in London will help take the strain out of doing payroll.

How Small Business Bookkeeping Works

C&C Accountancy and Taxation Services
Accountants in Essex
88 North Street,
Hornchurch, Essex
RM11 1SR
UK
Phone: 01708 471442

 

Working with a small business bookkeeping firms can lead to the success of all types and sizes of businesses. This can be done as they aid and direct the owners of such businesses to increase their growth and maximize fully on the profits. They work hand in hand with the owners and ensure that they are involved in all aspects relating to the business as well as in decision-making matters. For your business to be termed as successful, you then have to walk this business journey with the Business Consulting firms from the start. They also play a great role in helping the business to identify both its major and minor weaknesses as well as its threats.

Most business owners lack the skills and knowledge needed to successfully ensure that the business rises against all obstacles facing them and still ensure they register profits. Thus, the skills of business consultants come in well handy by ensuring that the business growth increases as well as the profits. They also assist business owners to fully satisfy their client’s needs and demands in a more efficiently and effectively manner.

How It Works

The consulting firm comes in handy by learning all about the business at hand. It does this by studying all the factors that affect the business and play a role in how it works, runs and functions. After doing this, it analyzes what needs to be done, added or simply what needs to be scrapped off from its daily running operations. They also monitor the daily progress of the business by fully engaging with the owner of the business, and this provides them a gateway to study and come up with both long term and short term strategies that the business needs to put in place to ensure or guarantee them success. 

 

A business requires the services of such consultants depending on their sizes. For a small business, they may require such services on a temporary basis and also it will take a shorter period as compared to large corporations whom the consulting businesses will require much involvement due to getting to the cause of the situation as well as ascertaining the factors in place. Both large as well as small businesses may require permanent services to ensure that all their activities are closely and fully monitored.

It is quite advisable and wise, for owners of businesses to seek the assistance of a small business consulting services to ensure the success and thriving of their businesses. All that is required of you as the owner need to do is to ensure that you put into action all advice given. If you own a small business, then you should opt for small business consulting services.

Non-Denominational Or Mixed Religion Weddings, How To Make It Happen

Couples of mixed religions or who come from families that do not have a strong religious background may choose to have either a non-denominational wedding or a wedding that blends two separate religions. This can be tricky however because many religions may not honor or recognize a wedding unless it is performed according to their own unique guidelines. For this reason it is very important to check with potential officiants and church leaders to ensure that your wedding plans will result in a union that is recognized by both churches. This is significant because you would not want to invest time and money on a marriage that will wind up not being recognized by the church and possibly not even recognized by the government. Whether a couple decides to have a non-denominational wedding, incorporate aspects of both religion into a ceremony that will not be recognized by either faith or participate in two separate religious ceremonies, it is important to remember that their love for each other and their love of their faith are equally important.

If both the bride and the groom have very strong faith backgrounds and wish to have their wedding recognized by their respective churches, they may have to take a few extra steps to ensure that their union is recognized by their churches. Sometimes the only way to do this is to have a wedding ceremony in both churches. This may seem like an unnecessary step but one of the defining criteria of having your marriage recognized by your faith, for many religions, is to have your wedding ceremony in the church. It is simply not possible to do this unless the couple takes the extra steps of having two wedding ceremonies to ensure that they will be both be accepted as a married couple into their faiths.

Another alternative to participating in two separate ceremonies in order to have the union recognized by both churches is to have a non-denominational wedding that is only recognized by the government. Couples may choose this option if they do not have the time or money that would be required to have two separate wedding ceremonies. A couple may choose a compromise that results in neither church recognizing the union. The theory behind this type of choice is that the couple decides that their love for each other is strong enough to survive and that they do not need to have the approval of their churches in order to have a successful and lasting marriage.

Still another alternative is to have a non-denominational wedding ceremony at a location in a natural setting. At this type of ceremony the couple has no restrictions and can choose to incorporate either religion into the ceremony in any way that they see fit. They may do this by using traditional prayers and religious songs during the ceremony. While this type of ceremony will not be recognized by the church is does offer the couple the opportunity to incorporate some of the religious traditions of both of their faiths into a beautiful ceremony that successfully blends two religions.

A final alternative is to incorporate one faith fully into the wedding ceremony and incorporate the other faith fully into the wedding reception. This option results in the marriage being recognized by one of the religions but does not allow the other family to feel neglected because their faith is well represented in the traditional activities of the wedding reception. This option is only feasible if the member of the couple who will not have their church recognize the union, is completely accepting and understand of this fact. This is important because the resentment and jealousy that could result from this could be very detrimental to the couple.

Inter-faith couples are on the rise. Years ago it was unheard of to marry someone outside of your faith but this is no longer true and many couples today are inter-faith couples. It is difficult but not impossible to integrate the two faiths in a way that is satisfactory to all of those involved. While the faiths can be blended to create a beautiful wedding, the problem is that many churches will not accept this blended wedding as a union. Sometimes the couple decides that their happiness together is more important than having the church recognize the union so they opt for a non-denominational wedding that is completely devoid of any religious traditions.

You Can Make Your Dream Wedding Happen With These Simple Tips

A worldwide event that many people take part in is a wedding. People in different countries practice the concept of a wedding ceremony, no matter their culture, religion, or income. If you wish to have a wedding, pay close attention to the tips in this article, as they may be of use to you.

Whenever it is possible, try to get several services from the same company. They will often give you discounts if you get more things from them. It is very common to rent all furniture from the same place that you get your catering in order to save a little bit of money.

Let bridesmaids choose their own dresses. Instead of forcing a certain dress on different body types, dictate the color and leave the rest for them to do. If you want, you can also have veto power over the dress they choose. Giving bridesmaids freedom to choose their own dresses means less money and grief for you.

Make your wedding invitations yourself. Find a nice free template online, buy some fancy paper, and print them from your home printer. Better yet, forgo invitations altogether and set up a social media page telling people how to RSVP and allow them to leave comments. Saving on invitations allows you to spend money elsewhere.

If you fear that people won’t want to give you cash wedding gifts as they don’t have a lot of money to give, include a “cash box” at the door to your reception. Guests are asked in the wedding invitations to bring their gift in an unmarked envelope, allow them to place it in the box anonymously and reducing any guilt they might feel.

Universal online registry services allow couples to add items to their registries from virtually any online retailer. This is a great way to make purchasing gifts convenient for your loved ones; friends and family can use their preferred credit cards to make purchases, take advantage of online promotions, and shop for the best prices.

When it comes to weddings, be sure that you do not drink too much at the reception. While this may seem like common sense, it is also a common mistake that can lead to years of embarrassment and shame. Be sure to keep your drinking under control especially if you are not used to alcohol.

If you plan to serve your guests a meal with multiple courses, keep them entertained during the serving process by placing small dishes of appetizing sweets on each table. Opt for sugar roses that match your wedding color palette, edible, sugared petals, or thin, flavorful crackers to whet the appetite.

Choose a venue that is willing to work with your schedule. Sometimes, the room rent will be completely waived by the facility if you use a certain amount of their catering and concession services. This can be a great way to save on renting a venue, especially since weddings are so expensive.

As stated at the beginning of this article, people all over the world take part in weddings. Different countries have weddings, regardless of wealth or religion. By remembering the tips from the above article, you can make sure that your wedding is an event to remember for all time.

The Best Camera For Headshot Photography

If you are simply taking photos for your best friend at his or her audition or you are thinking of starting your own headshot photography business, you need to know about the right equipment for the job.

 

For example, any digital SLR camera is a good base but it has to be combined with a decent lens. An acting audition or job interview is a huge affair because regardless of the size and scope of the event, it is the most important day for the person you are taking a headshot of. You need to be prepared with the best camera for headshot photography.

 

One of the best cameras for the job is the Canon EF 16, 35mm with f/2.8L 2 USM. This camera costs in the region of £700 which is a steep price if you are just helping a friend out. If you cannot afford this camera then not to worry as most professional photography shops will have a rental department and you can rent a digital camera body from around £40 to £150 per day. Lenses are extra and will costs anywhere from £5 to £25 per day. Also ask about any discounts and you might get one for a weekend or for multiple days. Multiple days will give you a change to familiarize yourself with the camera and lens.

Lenses are so important, they can make a shot amazing or just mediocre. For headshots you will need a lens with a large aperture (opening) of f/2.8 or even larger. This means you will have enough light even if the headshot is on a dimly lit stage or reception hall. Using a large aperture also means you will not have to use a flash, which can be quite horrible in romantic headshot settings and some places even restrict or ban flashes anyway.

 

Professional headshot photographers tend to use a set of three zoom lenses and you should take some tips from these people who know their business. A wide angle zoom, a wide to tele zoom and an image stabilized telephoto zoom is what is necessary.

 

Equipped with such a good camera and a few lenses you should be ready to take amazing headshot photos.

Useful Wedding Photography Tips

 

Taking good pictures at a wedding requires some practice and preparation. Have you been asked to take pictures at a wedding? You should go over the following article for some helpful wedding photography tips.

 

First of all, do your best not to be in the way. Dress so you will blend in with other guests and avoid drawing attention to yourself while you take pictures. Remember that this day is about the bride and the groom.

 

Find out in advance how the wedding will be organized. Perhaps you can get a detailed program. Taking good pictures will be easier if you can anticipate what guests will do or where they will go.

 

If possible, visit the venue first so you can familiarize yourself with the light. If parts of the reception will take place outside, look for spots that will make for good pictures. You might overlook a nice background if you have to do this at the last minute.

Try getting the bride and groom to add some time for pictures in their program. Taking pictures of all the guests will be a lot easier if they know they will be photographed at a specific time. Plan on taking some group pictures and ask guests to post for you so they can take home a picture of themselves all dressed up.

 

Do your best not to miss any moments. Do not be afraid to take too many pictures. You will be able to go over them later with the married couple and decide which pictures will be kept. Try taking pictures that truly capture the atmosphere of the wedding besides the traditional group pictures.

 

Preparation is key, especially if this is your first wedding photo shoot. Give yourself plenty of time to become familiar with the location, the people and your equipment before the big day.

Choosing the Right Wedding Photographer for your Special Day

 

 

Your wedding day will be one of the most important events that you will experience in your lifetime. You will want to ensure that all your memories of the day are captured perfectly by using an experienced well known wedding photographer.

 

Below are a few tips on what you should do before you hire the right photographer for the job:

 

1.Decide on a price on how much you have to spend

Before you start the job of searching for wedding photographers you will need to have an estimate on how much you have to spend. Keep in mind that you will want to ensure that you hire a photographer that can offer you the best quality in photos as you will not be able to relive this type of event.

 

2.Conduct thorough Research on Various Wedding Photographers

You can find the services of wedding photographers in your area by conducting an internet search. Look for sites where satisfied customers have left honest and unbiased reviews on the wedding photographer they have used.

Additionally you can contact close family or friend members who have recently tied the knot and were happy with the photographs taken at their weddings.

3.Inquire about the Type of Camera and Lenses used by Wedding Photographers

Even if you are not that clued up on camera and lens equipment it is important to know that your photographer is clued up on the equipment they use. If your wedding photographer can easily talk about the equipment used and sounds knowledgeable this is a positive sign that you have chosen the right wedding photographer.

 

4.Find a Wedding Photographer to Suit your personal Style

You will be able to decide what type of wedding photographer will suit you by looking at his or her portfolio of pictures taken. A good photographer will be able to display emotions in the pictures taken. Check the angles and the lighting in the pictures to determine if the photographer will fit into your wedding day.

Take the time to find the perfect wedding photographer for your special day. Remember that you only have one chance for these photos to turn out perfectly.