A buy to let mortgage is a loan arrangement in which a landlord or investor borrows money to purchase property in the private rented sector in order to let out to tenants. The interest rates and fees are slightly higher than those of owner-occupied mortgages.
@8KMLMVD4yrs4Y
Yes but limit to one property only and full disclosure of tax on all rental income. Failure to show records should result in tax evasion charges.
@9LHPW9B2wks2W
Yes, but I only on a capital repayment basis as interest-only buy-to-let mortgages give landlords significantly greater purchasing power than owner-occupiers.
@9L4VP4X1mo1MO
No. I think whoever lives in a property should own it. (Exception should be made for council-managed housing for those with disabilities/retirees. And short-term holiday rentals which should be capped based on need and demand of the area.) All residents should undergo homeowner maintence training before owning a property, and given contact details for certified handymen.
@9FJTBGD7mos7MO
No, housing should be free.
@9FHSMBWDemocratic Unionist7mos7MO
I do not believe in private property.
@9F3Q6YN8mos8MO
yes but there should be a limit on how many depending on location and size
@9D98T738mos8MO
Yes, but make buy to let unattractive through tax system.
@9CXFXHX9mos9MO
No, and the government should provide more social housing for lower to mid income people
@9CCMXXP11mos11MO
Yes but someone’s portfolio should have a limit of properties.
@9C96FHK11mos11MO
Yes but regulate them closely to ensure strict safety standards and housing conditions are met and that rent money is used to maintain property living conditions for tenant
@9C53VP811mos11MO
Yes but only until the landlord has received a return on their investment. Then if the homeowner wishes to remain, they may pay an amount set between the homeowner and landlord to be paid and then the house may become the property of the homeowner
@9BTT7DS12mos12MO
@9BSLJZR12mos12MO
Yes, but only up to a limit of 3
@9BRPC4812mos12MO
Yes, but limited the number of buy to let mortgages a person can have.
@9B84XHJ1yr1Y
Or just overthow the Landlords.
@962KL2Y1yr1Y
Yes, but tax the loans at a reasonable rate
@9B39L4R1yr1Y
Yes, for commercial property, student accommodation units, and domestic properties valued no less than 85% of the median house price in the region to protect first-time buyers.
@99YD7KL1yr1Y
no but the government must build new housing stock to meet demand
Yes but limit to 2 houses per landlord
Yes, but increase tax on landlords
@93T8J2Y2yrs2Y
Max 2 properties per person
@92SH78C2yrs2Y
Yes but remove all mortgage interest tax deductions by individuals and companies
@92KK6ST2yrs2Y
Yes but limit rent charges.
@98FB55K1yr1Y
In accordance with housing availability, to be reviewed periodically. I don't believe people should be permitted to acquire multiple properties to let when there are far fewer available homes for people to buy thus driving up housing prices. One property to let should be sufficient unless the data shows that the housing crisis is significantly improved.
@9866F331yr1Y
Yes, but reduce the ease of entry into the industry and reduce tax evasion by landlords in order to reduce house price inflation.
@97ZSBF91yr1Y
No, and increase social housing stock to ease demand
@97YSRL31yr1Y
No, and abolish private landlords
I don't have a particular stance on this issue.
@96PCP5L2yrs2Y
Yes, but with increased regulation to reduce housing costs and the difficulty of getting on the housing ladder.
@955VLNQ2yrs2Y
No. Government should provide social housing.
@93T9XTTPlaid Cymru2yrs2Y
Yes but landlords should be subject to a land value tax
@927YYTG2yrs2Y
Renting should not be an option as it leads to artificial demand in housing and hyper inflated housing prices
@8Z3HYND2yrs2Y
Yes, and lower taxes on landlords to reduce rent payments for tenants.
@8XRM65M2yrs2Y
I need to spend more time considering this question
@8SST2LY3yrs3Y
thats up to the morgage lender
@9866KWG1yr1Y
Abolish private property and the market economy
@94CKMVN2yrs2Y
They already provide at s higher interest rate and a bigger LVR. Tax evasion is for the government to address if landlords are evading taxes.
@948C72CLiberal Democrat2yrs2Y
Yes but there should only ever be a set number of buy to let mortgages active across the marketplace to maintain a private landlord sector but without removing entirely the responsibility of the state to provide affordable housing.
@8ZNDRNM2yrs2Y
You need landlords. Not everyone wants to buy the property they live in. Plans change and people move so some housing is purposefully temporary.
Buy to let mortgages should get incrementally less advantageous as you accrue more property portfolio. To prevent inflated house prices and promote healthy competition.
@8YDVMP82yrs2Y
No, and impose a 10-year moritorium on buy-to-let mortgages to let housing prices reach equilibrium
@8WDWQHS3yrs3Y
No, unless it's for social housing
No, landlords should not exist.
@8PH2MZH3yrs3Y
No it leads to inflated prices, and reduce tax evasion by landlords
@emmapearson3yrs3Y
yes but let those people know the risks and impacts of others who can’t afford to buy a house due to the inflation
@8CYJVKW4yrs4Y
Housing should be free.
The historical activity of users engaging with this question.
Loading data...
Loading chart...
Loading the political themes of users that engaged with this discussion
Loading data...
