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Reports
Winners and losers of the UK property market
After the challenges of the previous months, we look at the data across countries, regions, property types as well as the buy-to-let and commercial sectors to determine the winners and losers of the UK property market. And what is the outlook for the future?
How has the UK property market fared in 2023 so far?
The war in Ukraine, the cost-of-living crisis, and the fallout of the mini-budget in September 2022 all contributed to a significant amount of political and economic uncertainty over the past 12 months. How has the property market dealt with these challenges in the first quarter of 2023?
How are UK Landlords preparing for new EPC rules?
In the private rental sector, new regulations of EPC ratings will arrive in 2028. Do landlords know about these changes? Which measures have they implemented already and what are they planning to implement before rules come into effect?
Future Trends in 2023
After many economic and political challenges in the last few months, which trends will define the specialist finance and property markets in 2023?
Exploring the landlord-tenant relationship
How are landlords and tenants coping with rising interest payments & rental prices in the midst of the cost-of-living crisis? How has the crisis influenced their relationship and what are the requests on both sides?
The Race to Remortgage
After the mini budget outlined plans to cut taxes by borrowing, the Bank of England aggressively increased its interest rate. A race to remortgage began to secure the cheapest deal before banks would follow. What did we learn from this race?
The Importance of the Local High Street
Local High Streets are under the microscope, as long-term shopping trends converge with turbulent trading conditions. So what is the outlook of our local high streets, and what role do they have in consumers’ lives and their choices of where to live?
The post-pandemic outlook of the UK commercial property market
Almost every industry felt the impact of Covid-19. The commercial property market was no exception. How will it cope in a post-covid world? Find out here where the demand will be.
Gazumped Britain III: Uncovering the Challenges Facing Homebuyers
In the third installment of our ‘Gazumped Britain’ research, we have surveyed over 500 UK adults who bought a residential property in England or Wales within the past decade. This report will explore, how prevalent gazumping remains, the main causes and ramifications of being gazumped, and what can be done to tackle the issue.
How can the UK Bridging Industry help the property market go green?
Climate change is affecting all industries, and the bridging market is no exception. But how can we work together to help landlords meet their EPC regulation deadline and increase a property’s energy efficiency? Find out here…
What should we expect from the UK property market in 2022?
At the start of 2022, inquiries around whether the property market’s performance from the past 12 months can be sustained naturally started to surface. To find the answers, we commissioned an independent survey among 2,001 UK adults at the start of January 2022. The research provides a timely insight into how we can expect to see the property market evolve in the year to come.
Housing crisis report 2021
The housing crisis is one of the most significant societal issues affecting the UK. A lack of available housing – particularly affordable housing – has resulted in rent and house prices rising sharply over many decades. In turn, millions of people across the UK are living in unsuitable accommodation, while many millions more are unable to purchase their own property.
15 years of Market Financial Solutions
Fifteen might not be considered an old age for a business, but in the bridging sector it is. While today the industry is home to a vast number of short-term lenders across the UK, in 2006 there were very few companies specialising in bridging finance; Market Financial Solutions (MFS) was one of them.
Buy-to-let in focus
How the sector has responded during the Covid-19 Pandemic?
How has the UK bridging industry fared during the Covid-19 pandemic?
No industry has been immune to the effects of the Covid-19 pandemic. The property market and, by extension the bridging loan sector, have certainly faced their challenges.
Diversity in financial services
The debate surrounding diversity within the financial services sector, or lack thereof, has been raging for some time.
Five years since the EU referendum
On 23 June 2016, the UK voted narrowly in favour of leaving the European Union (EU). The referendum remains a landmark moment in the UK’s modern history, with the aftereffects still being felt.
The homebuyer wishlist 2021
Our timely research delves into the factors that matter most to UK homebuyers and how their priorities have changed as a result of the pandemic. Further, the results are compared with a survey MFS commissioned in the summer of 2019, offering a clear overview of how the property buying market has evolved over the past two years.
Understanding clients’ need in 2021
After the tumultuous year that was 2020, investors, businesses, and consumers are hoping the coming 12 months will be a year of positive transition and change.
The future of housing market
When the pandemic hit in early 2020, leading the UK to enter its first lockdown, many were concerned about the lasting impacts this would have on the property industry. Yet despite the constant fear that house prices would plummet, the housing market retained a 5-year high and property value rose at a steady rate.
2020: A year of challenges and achievements
There is no denying that 2020 has been one of the most eventful, unpredictable years in recent history. It will be remembered as a time when a virus first discovered in China would eventually bring the globe to a standstill.
The housing crisis in 2020: opening the market to new opportunities
The pandemic has presented unique challenges for the country that go beyond the initial health concerns. It has drastically affected the performance of different sectors, like hospitality and retail. In the same instance, the government has been actively attempting to encourage consumer spending and investment activity to ensure the economic impact of the pandemic is limited as much as possible.
Unlocking property investment opportunities
Since the introduction of social distancing measures in response to the pandemic, the behaviours of businesses, investors and consumers have changed dramatically. Even as the country slowly transitions out of lockdown, the uncertainty surrounding the pandemic has made many people naturally hesitant when it comes to making significant financial decisions.
Transitioning out of lockdown: preparing for the ‘new normal’
The “new normal” is a term frequently used to acknowledge the permanent changes to society brought about by the pandemic. It is wrong to assume that things will simply return to the way they were at the beginning of the year, even as the virus abates. At MFS we see this as an opportunity for the bridging sector to take a step back, critically review current practices and update existing processes so that borrowers, brokers and indeed lenders can benefit in the long-term.
A transition out of lockdown: an update from Market Financial Solutions
After more than three months in lockdown, Boris Johnson declared on Tuesday 23rd June that the national hibernation is beginning to come to an end. In an attempt to reignite national productivity, social distancing measures are slowly being lifted so that more…
Covid-19 and the UK property market – an update
It has been over two months since the UK Government announced the implementation of social distancing measures to contain the COVID-19 outbreak. Since then, businesses have been forced to reorganise the way they operate and ensure they are in a position to continue serving the needs of their clients. This has proved challenging for some, particularly those operating in the property sector.
Stamp Duty Land Tax: What property investors need to know
In this guide, Market Financial Solutions outlines some of the most significant changes to Stamp Duty Land Tax (SDLT) over the years and the current state of the market. We also explore important factors for investors to consider before making a property purchase in the UK, as well as potential stamp duty reforms on the horizon.
What can we expect from the UK property market in 2020?
The New Year is upon us, which mean property investors will likely be wondering what 2020 has in store. For some, there may be a sense of frustration that Brexit uncertainty lingers on as it did in 2019. However, there is a marked difference from 12 months ago; now, after a strong performance in the December 2019
General Election, the Conservative Party has a majority in the House of Commons.
Gazumped Britain II: uncovering the challenges facing UK homebuyers
Three years after first exploring this issue, bridging lender MFS has surveyed more than 750 UK homebuyers to uncover just how prevalent gazumping is and what can be done to stop it. The report also explores the significant financial and emotional cost of being gazumped on a property purchase.
The UK homebuyer wishlist 2019
Between August and September 2019, MFS commissioned an independent survey of more than 1,000 UK-based homebuyers and property investors to discover the factors that matter most to people when hunting for a house or flat to buy. To read the results, be sure to download MFS’ new report ‘The UK Homebuyer Wish List’
How new prime minister Boris Johnson may affect investors and the UK property market
As an experienced bridging lender, we have been keeping an eager eye on the impact our new Prime minister will have on the property market. To ensure our clients and investors are fully aware of the implications stemming from the current political and economic climate MFS’s factsheet will reveal what Boris Johnson’s proposed plans are for the property and finance markets, supported by expert industry analysis from our experienced team.
Rental market reforms: How are UK landlords responding?
The UK’s property market has long been a sought-after destination for domestic investors. The combination of long-term capital growth of bricks and mortar assets, along with the regular rental income the properties generate, makes them attractive for investors seeking a range of different financial outcomes.
MFS’ final report of the year summary
Reviewing how 2018 has unfolded, MFS’ final report of the year summarises the key trends that have shaped the property sector. By calling on some of the standout findings of our unique investor research, this resource offers valuable insight into how 2018’s major events have affected brokers and property buyers.
Collapsed Property Sales is on the rise
To understand why the number of collapsed property sales is on the rise, Market Financial Solutions has surveyed a nationally representative sample of 2,000 UK adults to uncover the common reasons leading to a house purchase falling through. With access to finance being identified as a key barrier, the findings also reveal how the UK perceives alternative finance opportunities as a way of avoiding collapsed property chains.
How are UK property buyers financing their purchase?
Mortgages have long been the go-to source for financing property purchases in the UK. But now, buyers are exploring alternative options. Specialised bridging finance may provide faster, more flexible options for property investors. Yet, there is a lack of understanding on how the products involved can benefit the market.
The UK’s property investor intentions 2018
Property remains a popular asset for investors following an eventful year of political and economic turmoil. Investors doubt Brexit will have much of an impact on their long-term strategies, although they have diminished confidence in the UK Government. They’re also seeking the safety of bricks-and-mortar over flashy new assets such as cryptocurrency.
Gazumped Britain I: UK property buyers pipped to the post
Demand for British real estate, from both domestic and foreign buyers, has pushed the market into a fiercely competitive and fast-paced state. But despite the demand, mortgage approval rates have slowed. A lack of options and quick access to funding has led to a rise in gazumping – being beaten to a property purchase at the last minute.
Inherited property: the future of UK homeownership
Millions of Britons are expected to inherit billions worth of property over the coming decade. What they’ll do with these assets will have a huge impact on the market. Most don’t plan on living in the homes they inherit. Instead, they’ll be selling them on, or launch refurbishment plans. Many remain unsure of what they’ll do when the time comes.