Archived News

scottfraser Blog: Billions invested in UK's Buy-to-Let Sector

February 11, 2015

scottfraser Blog: Billions invested in...

Research from the National Landlord Association (NLA) shows that nearly £22 billion was paid in buy-to-let mortgages in 2014.

NLA chairman Carolyn Uphill stated : "These figures really hammer home just how much money private landlords put into providing much needed homes for the UK’s estimated nine million renters, especially if we consider that such a large proportion are single-property or smaller portfolio landlords. It's hard to imagine exactly where all this investment would come from if landlords weren’t financing housing to such an extent."

scottfraser Blog: Safety, Compliance and Costs for Landlords

February 02, 2015

scottfraser Blog: Safety, Compliance...

Renting can be complicated for a landlord as you are legally responsible for ensuring that you have the relevant safety certificates and tests carried out on your property. You have a duty of care to make sure that your property is safe for the tenant, in line with the Housing Health and Safety Rating System (HHSRS):

scottfraser Blog: Substantial Family Homes Buck the Trend in Oxford

January 28, 2015

scottfraser Blog: Substantial Family...

December and January have seen a flurry of activity in the Oxford Lettings market, especially for substantial family homes. Previous years have shown that the majority of families will move house during the summer months however this seems to be changing, within the last two months alone, we have seen over 10 properties attaining between £2,000.00 and £4,000.00 per calendar month.

scottfraser Blog: The Story of an Oxford Short Let Success

January 19, 2015

scottfraser Blog: The Story of an...

The ever expanding rental market in Oxford is diversifying with a growing number of visitors to the city wanting high quality accommodation that is a home away from home, not a hotel. Short Term Serviced Accommodation can be let anywhere from a week to a few months at a time. A perfect example of this is the recently launched Angevins House, a two bed boutique styled apartment right in the heart of the historic city of Oxford.

Property investors Mr and Mrs Ramsell were looking to develop their portfolio in Oxford and keen to secure the right property. Looking for some guidance they contacted John Gebbels (Property Investment Manager) who had been recommended to them by longstanding scottfraser clients.

January Market Comment from the Managing Director

January 16, 2015

January Market Comment from the...

2014 was a robust year for property with house prices, according to Nationwide, growing by 7.2% across the UK, following an 8.4% increase in 2013 ( There were inevitable hotspots, with Oxford remaining key in the market’s development. At scottfraser, we saw a price growth in Oxford of over 10% in 2014.

However, the traditional slowdown in the final quarter of the year was still seen. This has set the tone for what the majority of economic forecasters predict to be a stable market with nominal growth in 2015. Collectively, this analysis features in our regular feedback to the Bank of England in our capacity as their Oxford property market advisers.

scottfraser Blog: Who will be investing in Oxford in 2015?

January 12, 2015

scottfraser Blog: Who will be...

Retirees: As the bars surrounding the pension annuity jail begin to rise retiree age investment clients will begin moving lump sums from pensions funds and into buy to let (BTL) investment. The nature of BTL, with a stable and regular rental income, suits these new landlords ideally. They are likely to own their own homes outright and will as such have a number of different finance options available. BTL mortgages are not determined by the borrowers income and BTL lenders will happily lend beyond retirement age. This ‘golden generation’ have already profited hugely from UK property ownership and their confidence in the benefits of property ownership remains high!


First time buyers: For many would be first time buyers the realities of the UK property market can unfortunately be harsh. For some, owning property in what has previously proved an entirely affordable rental location, is an impossible dream. Professional couples and families tied to expensive locations either for work or schooling will as such be forced to take a commercial view. A BTL investment can function entirely independently of the owners location and buying purely for investment purposes will enable the...