2 minute read
The BTL balance
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Editor-in-chief
Beth Fisher
Creative direction
Andreea Dulgheru
Beth Fisher
Senior reporter
Andreea Dulgheru
Contributors
Joe McGrath
Rob Langston
Jon Yarker
Sub editor
Christy Lawrance
Sales and marketing
Beth Fisher beth@medianett.co.uk
Megan Goncalves megan@medianett.co.uk
Photography
Alexander Chai
Special thanks
Roger Morris, Tandem Bank
Helen Lewer, Rhotic Media
Tom Gibson, Uinsure
Carrie Marks, Seddons
Printing
The Magazine Printing Company
Design and image editing
Russ Thirkettle, Carbide Finger Ltd
BTL Insider is published by Medianett Publishing Ltd
Publishing director
Beth Fisher beth@medianett.co.uk
Office K5, 1 Burwood Place, Marylebone, London W2 2UT
0203 818 0160
Follow us: Twitter @BTL_Insider | Instagram @BTLInsider our years ago, when many were sure of the demise of print, Medianett Publishing went against the grain by launching Bridging & Commercial Magazine—a quality staple read by thousands within the specialist finance community that offers truly educational and unrivalled content about the market. Since then, the industry has witnessed scores of changes in the BTL market, significantly impacting landlords, brokers and lenders alike. Thus, we realise that now is the perfect time to give this particular sector the sole focus it deserves— and so, please welcome our brand-new, quarterly sister publication BTL Insider Magazine Launching a new print product is never easy; our small, but mighty team worked the best part of 2022 researching the BTL space, surveying hundreds of professionals about their appetite for such a magazine (it was a resounding ‘yes’), and interviewing and learning with numerous experts—all with one goal in mind: bringing intermediaries and landlords the inspiring and thought-provoking original stories on the latest and most relevant topics.
Our mission is to keep our readers updated on the news that matters and, not ones to shy away from digging deep, we are excited to put the industry’s zeitgeist under the microscope with the help and support of BTL specialists and you, the reader.
Our market survey found that the majority of the specialist finance sector believes a magazine dedicated to BTL will be invaluable to brokers and landlords, with government regulation announcements, guides to EPC changes, high-level education, and the shifting landscape between consumer and professional BTL landlords, being top of the list. With the BTL sector plagued by the conveyer belt of Bank of England base rate hikes, stricter stress testing, and numerous legislation plans, it is only fitting that our inaugural issue shines a spotlight on the current economic environment, tax and regulation within this sphere. This is why, for our cover story, we gathered 11 specialist finance experts to dissect the latest rules and proposals and investigate how these may hinder—or, indeed, provide opportunity in—the BTL sector [p28]. In addition, our ‘mindmap’ section showcases how brokers are navigating the multitude of product changes [p46], and why Hope Capital decided to brave the tumultuous waters and introduce its bridge-to-let and term-to-rent proposition [p6].
We also delve into the ongoing trend of landlords incorporating their properties into limited companies [p40] and find out how far the industry has come towards professionalisation [p12].
With the ever-evolving BTL market, we feel it is important to highlight two specific areas that play a vital part in it: securitisations and their resilience despite a volatile rate environment [p16], and valuations—including the factors that are presently influencing the final numbers [p20].
It is not an exaggeration to say we have poured our hearts and souls into this magazine, and we hope you are just as excited to read the first issue cover to cover and join us on our new journey. Get ready for years to come of intelligent, insightful and informed content.
Beth Fisher Editor-in-chief
News
A new player enters the bridge-to-let ring
Feature
Are amateur landlords a thing of the past?
Insight
The ins and outs of BTL securitisations / Calculating value
Cover story
BTL legislation: whose side is it on?
Spotlight
To incorporate, or not incorporate?
Column
Why basic insurance can leave gaps in your protection
Mindmap p12
Words by Andreea Dulgheru
