Bluebell Mortgages
  • First Time Buyer

    Bluebell Mortgages are expert mortgage brokers and have a detailed knowledge of mortgage lenders’ and first time buyer mortgages.

    Moving Home

    We can inform you of all the likely fees associated with a house move, identify your current position and calculate your likely required loan amount.

    Remortgaging

    If you already have a mortgage and your current deal is due to expire in the next 6 months, we can help find you the most effective deal for you.

    Buy To Let

    We have a vast experience of the Buy To Let market and are able to offer our clients detailed advice on the correct method of funding potential purchases.

    Shared Ownership

    An effective way for first time buyers to get on the property ladder, it can considerably reduce the amount needed for a deposit.

    Specialist Finance

    Bluebell Mortgages have specialist advisors who can assist you with your first or next commercial or self-build development.

    Older Borrower

    The days of retiring at 65 are disappearing fast, people are living longer and borrowers are getting older.

    Insurance

    This can range from Life Assurance to protect your mortgage or family, Critical Illness cover, Income Protection and General Insurance.

  • FAQ's

    We’ve collated our most frequently asked questions below, but if there’s a question on your mind that we haven’t covered, please get in touch.

    Success Stories

    We’re passionate about helping people get to where they want to be on the property ladder. Our customers share their stories of how we helped them.

    Knowledge Base

    Here we can share with you our many years of industry experience & knowledge so that you can feel confident and prepared for your mortgage journey.

    News

    We regularly post about all things in the Mortgage world and other industry information. We also post about what's going on at Bluebell Mortgages.

Bluebell Blog & News

Can you boost your rental yields?

Request a call back

"*" indicates required fields

By clicking Send Request you are agreeing to the terms and conditions of our Website’s Privacy Policy and are consenting for us to contact you using these details.
This field is for validation purposes and should be left unchanged.
Buy to let mortgages

 

Buy to let mortgages

Research from Simple Land Lord Insurance has shown that landlords may be missing out on some of the highest rental yields in the property market. It has become clear that only 1 in 5 landlords are willing to rent to students, but should student housing be your next property investment? The research has shown that the average yield for student properties is 33% higher than non-student properties in the same area.

Why landlords should consider renting to students

There is a growing demand for student properties. With over 2.3 million students in higher education, the market is a strong proposition for landlords. Many landlords have developed the assumption that there are risks involved in renting to students such as high arrear rates or even damage to property. The reality is very different – students are often a safer bet than young families or professionals. Richard Lambert, chief executive of the National Landlords Association (NLA), says: “While letting to students is not for everyone, those who do would be surprised by these findings, because student lets offer the highest rental yields and are least likely to experience rental arrears compared to other tenants, such as professionals, couples, or families.”

When renting to the student market, landlords often require 2 guarantors. This means that in a circumstance where a student is unable to keep up rental payments, the guarantor (usually a parent) is responsible for making up the shortfall. Laura Allen, a MA student from the University of Sussex says: “When I was looking for rental accommodation, so I could start my studies, I was required to provide the landlord with 2 guarantors. The process was very quick and simple, and I was able to move into the property only a few weeks later.”

Leon Ifayemi, CEO of SPCE, a student lettings app, said: “With parents acting as guarantors, there’s a very low risk of students not being able to pay rent on time or provide compensation for damages,”.

Choosing the right insurance policy will also give landlords an added level of security. With the property correctly insured and the addition of guarantors makes what may have been perceived as a riskier investment a low risk.

The top 5 Locations that offer the highest yields*:

  • Durham (11.53%)
  • Warwick (10.25%)
  • Manchester (8.4%)
  • York (8.24%)
  • Sussex (8.19%)

*Figures sourced from simplelandlordinsurance.com

Are you a landlord or perhaps considering a Buy to Let property?
Give Bluebell a call today to discuss all your options.
Your Expert Mortgage and Insurance Advisers
01473 213312

 

Share This Post

More To Explore

How can we help?  Call us on 01473 213312