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<br /> GUIDE TO<br /> BUY TO LET<br /> in association with<br /> Balancing act<br /> How tax changes could stack<br /> up for landlords<br /> Search Aldermore Mortgages<br /> For purchases and remortgages, find out more<br /> about our buy-to-let mortgage range.<br /> 0333 321 1001<br /> aldermore.co.uk/buy-to-let<br /> Aldermore Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential<br /> Regulation Authority. (Financial Services Register number: 204503). Registered Office: 1st Floor, Block B, Western House, Lynch Wood, Peterborough<br /> PE2 6FZ. Registered in England no. 947662. Subject to application and availability, fees may apply. ARD70-0616-900107<br /> IF YOU FAIL TO KEEP UP WITH PAYMENTS ON YOUR MORTGAGE A “RECEIVER OF RENT” MAY BE APPOINTED AND<br /> / OR YOUR RENTAL PROPERTY MAY BE REPOSSESSED<br /> INTRODUCTION<br /> & CONTENTS<br /> Contents<br /> P4 The evolution of buy to let<br<a title="ALDERMORE B2L SUPP 2016 page 1" href="http://viewer.zmags.com/publication/c80de17d?page=1"> GUIDE TO BUY TO LET in association with Balan</a> <a title="ALDERMORE B2L SUPP 2016 page 2" href="http://viewer.zmags.com/publication/c80de17d?page=2"> Search Aldermore Mortgages </a> <a title="ALDERMORE B2L SUPP 2016 page 3" href="http://viewer.zmags.com/publication/c80de17d?page=3"> INTRODUCTION & CONTENTS Contents P4 The evolution</a> <a title="ALDERMORE B2L SUPP 2016 page 4" href="http://viewer.zmags.com/publication/c80de17d?page=4"> THE EVOLUTION OF BUY TO LET What was once a close</a> <a title="ALDERMORE B2L SUPP 2016 page 5" href="http://viewer.zmags.com/publication/c80de17d?page=5"> the most competitive fixed rate buy-to-let deals </a> <a title="ALDERMORE B2L SUPP 2016 page 6" href="http://viewer.zmags.com/publication/c80de17d?page=6"> TAXING TIMES W hen the Chanc</a> <a title="ALDERMORE B2L SUPP 2016 page 7" href="http://viewer.zmags.com/publication/c80de17d?page=7"> The way landlords’ income is taxed is going to ch</a> <a title="ALDERMORE B2L SUPP 2016 page 8" href="http://viewer.zmags.com/publication/c80de17d?page=8"> when taking out or repaying mortgages or </a> <a title="ALDERMORE B2L SUPP 2016 page 9" href="http://viewer.zmags.com/publication/c80de17d?page=9"> CASE STUDIES CASE STUDY: SITTING TIGHT The experi</a> <a title="ALDERMORE B2L SUPP 2016 page 10" href="http://viewer.zmags.com/publication/c80de17d?page=10"> CASE STUDIES (CONTINUED) CASE STUDY: NO CHANGE La</a> <a title="ALDERMORE B2L SUPP 2016 page 11" href="http://viewer.zmags.com/publication/c80de17d?page=11"> STAMP DU LAND TAX TY CHANGES Since 1 April lan</a> <a title="ALDERMORE B2L SUPP 2016 page 12" href="http://viewer.zmags.com/publication/c80de17d?page=12"> THE ONE STOP SHOP FOR BUY-TO-LET BORR Whether you</a> <a title="ALDERMORE B2L SUPP 2016 page 13" href="http://viewer.zmags.com/publication/c80de17d?page=13"> OWERS operation and its products are backed by aw</a> <a title="ALDERMORE B2L SUPP 2016 page 14" href="http://viewer.zmags.com/publication/c80de17d?page=14"> OPTIONS FOR LANDLORDS H owever you g</a> <a title="ALDERMORE B2L SUPP 2016 page 15" href="http://viewer.zmags.com/publication/c80de17d?page=15"> As an investor it may be worth speaking to your t</a> <a title="ALDERMORE B2L SUPP 2016 page 16" href="http://viewer.zmags.com/publication/c80de17d?page=16"> TAX ALLOWANCES: THE LOWDOWN With so many tax chan</a> <a title="ALDERMORE B2L SUPP 2016 page 17" href="http://viewer.zmags.com/publication/c80de17d?page=17"> CAPITAL GAINS Capital expenditure is completely </a> <a title="ALDERMORE B2L SUPP 2016 page 18" href="http://viewer.zmags.com/publication/c80de17d?page=18"> KNOW YOUR RESPONSIBILITIES The spotlight is on la</a> <a title="ALDERMORE B2L SUPP 2016 page 19" href="http://viewer.zmags.com/publication/c80de17d?page=19"> property is safe when tenants move in and </a> <a title="ALDERMORE B2L SUPP 2016 page 20" href="http://viewer.zmags.com/publication/c80de17d?page=20"> BUY-TO-LET TOP TIPS 1 Get tax advice Tax doesn’t</a> <a title="ALDERMORE B2L SUPP 2016 page 21" href="http://viewer.zmags.com/publication/c80de17d?page=21"> amenities like schools, shops and hospitals nearb</a> <a title="ALDERMORE B2L SUPP 2016 page 22" href="http://viewer.zmags.com/publication/c80de17d?page=22"> BUY-TO-LET JARGON BUSTER The key terms, abbreviat</a> <a title="ALDERMORE B2L SUPP 2016 page 23" href="http://viewer.zmags.com/publication/c80de17d?page=23"> Search Aldermore Mortgages </a> <a title="ALDERMORE B2L SUPP 2016 page 24" href="http://viewer.zmags.com/publication/c80de17d?page=24"> </a>