This landlord problems were threefold:

1st The rent, the landlord has promisedby the sales staff were never realized.

2nd The landlord is renting unrealistic expectations resulted in her holding out for excessively high rents, which they never received because they were allowed because of high cost voids (their properties only for 70-80% of the time).

3rd The prices that the owner bought in with an alleged offers were well above any realistic market value. The result is a significant capital loss if the properties are eventually sold, this is likely to beOrder of 30 -40%.

Buy In addition to these problems with the landlord direct-to-let property portfolio, the landlord money even to pay off the mortgages on their homes if they were empty hired. This additional borrowing now amounts to approximately £ 100,000.

I suspect that this poor woman landlord is not alone among the landlords. I'm careful to point out that I have with the rest of the team at Hawk Property Owners strongly advise to steer clear of this kindof "Discount" off-plan investments from the beginning. Unfortunately, some landlords have already been to the sales pitch conditions. Please do not fall for it!

All this led me to think what I had when I was confronted with this situation do?

ACTION PLAN

First, the solution to a problem begins with the fact that you accept as a landlord that there is a problem. Too many landlords are still novice in the rejection. Say you bought a buy-to-let 2 bed apartment, for 3 years ago£ 150,000. "Everyone knows that house prices were up."

Therefore, it is worth at least € 150,000, probably a bit more. The reality is unless the landlord has bought in London, this is very unlikely to be the case. The flood of new build "luxury" has let Buy-to-apartment resulted in supply exceeding demand and push these values further.

Therefore, an owner a value of the investment, which is their property to get it really worth it. At first glance,This is not difficult. Thank you to the Land Registry are there now many websites, which can get a rental prices of actual sales in or around their property. I would suggest our property one of the best.

However, landlords should be aware that, where properties were sold at a discount, shown at the list price and actual selling price or the discounted not often. Otherwise, get a couple of local real estate agent, you enter a value and ask them to price to sell them. Agentswant to tell you otherwise, their potential customers what you hear, do your business. This is not necessarily the hard truth. After this process, you will need to sit down as a landlord and Buy-to-let owners are open and how to approach your hidden negative equity.

I will simply hand back the keys!

Some landlords think that is always negative from their buy-to-let equity as easy as the return of the keys to their investments in residential real estate to free theirBuy-to-let mortgage lender. Thus, the residential and investment property is no longer their problem.

"You can buy-to-let mortgage companies sort it out!"

Here again, unfortunately, wrong. The buy-to-let mortgage business is, after all, a landlord can repossess the buy-to-investment if a landlord stops paying the buy-to-let mortgage. The buy-to-let mortgage company to then sell the owner's home as investment property. However, an empty buy-to-let flat, the marketknows, is a forced sale, meaning probably sold at an auction, the chances that the buy-to-let property to buy with a different-to-let investors are purchased, the investment must question the figures and for a property breaks (BMV will seek property).

The chances are in this case that a buy-to-let properties held as investment property could not even get 90% of property buyers, owners / occupiers. Not only owners / residents do most of the buyers, but also probablyto pay more. That is because they ultimately looking for a home and are therefore not of financial returns in such a way that buy-to-investors, we are restricted. The result of the forced sale of the Buy-to-let mortgage company of a landlord as investment property is that the landlord is probably less for their buy-to-let investment than if they were obtained in the control of the sales process.

How does a landlord ensure a property bargain?

The reality is that the buy-to-let mortgageCompany is not overly bothered about getting the top price, especially when they easily recoup their mortgage advance. Your goal is simple, sell the repossessed buy-to-investment property as soon as we can. Once the purchase-to-let mortgage company has sold the investment in residential property to be it the landlord with a bill currently. This requirement is no default in the repayment of outstanding buy-to-let mortgage, missed buy-to-let cover mortgage payments and fees andExpenses at the disposal of residential and investment property incurred. These fees are expected to be significant and the total demand from the buy-to-let mortgage companies could easily run into the tens of thousands of pounds. A sum, which will probably take a real estate investor, many, many years to pay off.

An owner's best options

The best option for a landlord in this unfortunate situation is first confronted with the facts in order to take control. A landlord should make their realisticto develop measurements of their buy-to-let investment, how much is their negative equity. Then you need the landlord to draw up a strategy to repay it. This may not be easy. Many landlords only to mortgage interest rates are already hard to fulfill their buy-to-let mortgage repayments. However, I would suggest that a landlord should these four points to note:

1st Owners should look for a low annual percentage rate (APR). This will ensure that they minimize the paymentsnecessary over the term of the loan. It is possible APR is preserved in the low 6%.

2nd Owners should check to make possible savings, one-off payment to their buy-to-let mortgage bill and reduce their negative equity in this way.

3rd If a landlord has a mortgage on their house, it may well be that they re-mortgage their domestic property to a better interest rate and the use of these funds to repay a portion of their buy-to-let mortgage to wipe their negative equity.

4thThe best way for me is when a landlord rents are strong, all of their loan interest rates to convert only partial repayment. Thus, the landlord can use the money to repay its generative quality buy-to-let property investments slow no negative equity.

Doing nothing is not an option.

One thing I would strongly advise landlords of this unfortunate situation can not be ignored. It is not too fast due to rising real estate prices as in previous years, the case had to be subdued. ThereforeA landlord should 'Face the Music ", take advice from professional mortgage consultants on their ability and above all ensure that they pay off their negative equity to give them as a landlord and property investor a secure long-term and sustained investment in property .

These problems were three times as Lessor:

1. The rent the landlordhas been promised by the sales staff never realized.

2. The landlord is letting unrealistic expectations), according to their holdings from excessively high rents, which were never kept, as they occur due to high lead cavities (their properties only for 70-80% of the time.

3. The prices, which have bought the landlord in order even with a supposed rebate was much higher than a realistic market value. The result is a significant capital loss if the properties are eventually sold, which is probablybe in the order of 30 -40%.

In addition to these immediate problems with the landlord buy-to-let property portfolio, the landlord also borrowed money to pay the mortgages on their properties if they were empty. This additional borrowing now stands at around 100,000 pounds.

I suspect that this poor woman owner is not alone among the landlords. I am careful to point out that I advise strongly correlated with the rest of the team of Hawk Property Owners to AvoidThis type of "discount" off-plan investments from the outset. Unfortunately, some owners may already have for the sales pitch. PLEASE DO NOT fall for it!

All this led me to think what would I do if I was confronted with this situation?

ACTION PLAN

First, the solution for every problem starts with the fact that you accept as a landlord that there is a problem. Too many newbie landlords are still in denial. They bought a buy-to-let 2 bed apartment to say, 3 years agofor £ 150,000. "Everyone knows that house prices have been going."

Therefore, it is worth at least £ 150,000, probably a bit more. The reality is, unless the owner has bought in London, which is very unlikely to be the case. The flood of new build "luxury" buy-to-let flats has resulted in supply exceeding demand and continue to press these values.

Therefore, a landlord has a precise value of what their property investments, it is really worth to get. At first glance,It is not difficult. Thanks to the Land Registry there are now numerous websites, which can get a rental prices of actual sales in and around their property. I would suggest our homes as one of the best.

However, landlords should be aware that their properties were sold at a discount off the list price, not the actual selling price is often discounted or shown. Otherwise, a few local estate agents have to enter a value and ask them to price it to sell. Agents arenothing else to say, their potential customers what they want to hear to get your business. This is not necessarily the hard truth. After this process, you have to sit down as a landlord and buy-to-let owners are open and how to hide your negative equity approach.

I will simply hand back the keys!

Some owners still think that the purchase is release-to-negative equity as simple as returning the keys to their housing investmenttheir buy-to-let mortgage lender. Thus, the residential investment property is no longer their problem.

"The buy-to-let mortgage lender can sort it out!"

Here, too, unfortunately, wrong. The buy-to-let mortgage company is after all owned by the owner buy-to-let investment, if a landlord keeps the payment of the buy-to-let mortgage. The buy-to-let mortgage companies will then sell the home of the lessor, as investment property. However, an empty buy-to-let apartmentthe market knows, is a forced sale, probably sold at an auction that the chances that the buy-to-let property will be bought by another buy to let investor to examine the details of the investments and looking for a real estate bargains (BMV property).

The odds are in this case that a buy-to-let as an investment property will not even get by 90% of property buyers, owners / occupiers are seen. Not only the owner or occupier to make the most of the potential buyers, butAlso likely to be paying more. This is because they are ultimately looking for a home and are therefore not in the way of financial returns, buy-to-let investors are limited. The result of the forced sale of the buy-to-let mortgage lender the investment of a landlord's property that the landlord is likely to get less for their buy-to-let investment than if they in control of the sales process.

How does a landlord safe buying property?

The reality is that theBuy-to-let mortgage lender is not excessively so, the best care price, especially when they can easily recoup their mortgage advance. Their goal is simple, which can buy repossessed and for sale as investment property as soon as they can. Once the buy-to-let mortgage lender has the residential investment property as they are sold to the owner to submit an invoice. This demand will not buy any shortfall in the repayment of the outstanding include-to-let mortgage missed mortgage buy-to-letPayments and fees and expenses incurred in the removal of housing costs than investment property. These fees should be substantial, and the total demand from the buy-to-let mortgage lender could easily run into tens of thousands of pounds. A sum that is capable of having a real estate investor to take many, many years to pay off.

A landlord of the best options

The best option for a landlord in this unfortunate situation is faced primarily with the facts, take control. A landlordshould base their assessments can be realistic for their purchase of investment to find out how much is their negative equity. Then have to reimburse a landlord in preparing a strategy to it. This may not be easy. Many landlords to interest only mortgages are already struggling to meet their buy-to-let mortgage repayments. However, I would suggest that a landlord should consider these four points:

1. Owners should look is a low annual percentage rate (APR). This ensures that theyMinimize the required payments over the term of the loan. It is possible to obtain annual percentage rate in the low 6%.

2. Owners should consider, achieved savings to a make off on the payment on the buy-to-let mortgage and minimize their negative equity that way.

3. If a landlord has a mortgage on her house, it may well be that they re-mortgage their domestic property to a better interest rate and allow these funds to partially repay its buy-to-let mortgage to wipe theirnegative equity.

4. The best way for me is when a landlord rents are strong, their loans from all interested to convert only a portion of recovery. In this way the landlord the money can be earned quality of their Purchase-to-back slow negative equity real estate investments.

Doing nothing is not an option.

One thing I would strongly advice the owner of this unfortunate situation can not be ignored. It will not be mitigated to rapidly rising house prices as happened inprevious years. Therefore, a landlords' Face the Music "and advised by professionals, take mortgage consultant to ensure their facilities and especially that they pay off their negative equity to give to a landlord and property investor a secure long-term sustained real estate investments.

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