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CML comment from Just Mortgages PDF Print E-mail
Tuesday, 17 January 2017
John Phillips, group operations director at Just Mortgages and Spicerhaart says, “It is important to remember that we’re going through an adjustment period and, although property transactions may dip slightly due to economic uncertainties, regulatory changes and tax burdens, the market remains resilient thanks to low interest rates and deals from lenders.  

“However, in terms of buy-to-let, more changes face landlords in the form of tougher affordability checks and the start of the withdrawal of tax relief on mortgage interest. The slower growth in landlord’s portfolios comes as no surprise given the new minimum expectations for underwriting standards in buy-to-let mortgages.

“Although the mentality of property investment is still quite embedded, the current weakness in the supply of new homes will continue to affect the market and it will be interesting to see what comes out of the government’s housing white paper later this month.

“Due to the weaker outlook for buy-to-let house purchases, first-time buyers could make up a large portion of net lending going forwards. There still appears to be an appetite to buy or remortgage with aspirations for homeownership remaining strong, and I am confident this will help the market to build momentum throughout 2017.”
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