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Is buy-to-let a bubble about to burst?

“No, it is not a bubble set to burst but it is certainly a dead market and no one new is coming into it. It is harder to get get high loans to value, too.”

Peter Sharman, Optimum Financial Solutions

“Yes, I think so. London is saturated and the yields are falling and we are not doing much buy-to-let business at all now.”

Bharti Doshi, Allcover Financial Services

“No. There is a sustain-able level of tenants who cannot afford to get on the property ladder and will provide regular income for landlords.”

RR Shah, RR Shah & Co

“Yes, I think it has already. At one point, every other mortgage we were doing was buy to let, now I think it is maybe one a month. I think what will be the next big thing to emerge will be buy-to-let remortgage.”

Jeff Lever, Conran Financial Services

“Yes. BTL will taper off this year. The proposals for allowing people to put their properties within their pension funds will mean people will hold off as it will look a lot more attractive next year. Prices will not go up this year and BTL will not look attractive.”

David Swift,Swift Mortgages IFA

No, I think BTL is fairly strong. If interest rates rise, it will reduce the number of people going into the market, especially in the first-time buyer sector, creating more demand for rented properties.”

Tom Webster, Mortgages Life & Pensions IFA

“No but I do not see great capital gains to be made from it in the South-east over the next three to five years. Properties are either approaching or at their peak value.”

Nick Lincoln, Wilson Dean Financial Services

Yes 50%

No 50%

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