Blog Hub — Property, Mortgages & Wealth

Expert articles, market updates, and investor insights from Manchester Independent Mortgages.

Investor Insight – Your Weekly Property Pulse

A weekly deep dive for landlords and investors covering tax-efficient structuring, portfolio finance, and market opportunities.

The investor insight - Your weekly Property pulse
Moving Your Buy-to-Let from Personal to Limited Company Ownership
Moving Your Buy-to-Let from Personal to Limited Company Ownership

Many landlords are now considering transferring their buy-to-let portfolios from personal ownership into a limited company. It can unlock tax advantages - but it’s not always straightforward. Here’s what to weigh before you make the move.

Protecting Your Portfolio:
Protecting Your Portfolio:

You’ve worked hard to build your property portfolio, but would it survive without you? Here’s how the right insurance and protection can safeguard your assets, income, and family against life’s unpredictable risks.

The Stamp Duty Loop Hole:
The Stamp Duty Loop Hole:

The 3% additional property stamp duty surcharge hits investors and up-sizers alike, but it isn’t unavoidable. Here’s how semi-commercial and limited-company strategies can help reduce or legally eliminate it while still building your property portfolio.

The Year of the Limited Company Landlord?
The Year of the Limited Company Landlord?

After years of tax and regulatory pressure on private landlords, the tide may finally be turning. With rates stabilising and investor confidence returning, has 2025 marked the year that limited-company buy-to-let ownership becomes the new normal.

Rising Rents, Falling Rates: What This Means for Yields
Rising Rents, Falling Rates: What This Means for Yields

As mortgage rates ease and rental demand stays strong, landlords across the UK are finally seeing relief on yields. Here’s what the changing rate landscape means for property investors, and why SPV ownership continues to rise.

The Smart Investor’s Guide to Beating Stress Tests
The Smart Investor’s Guide to Beating Stress Tests

Lender stress tests can make or break your buy-to-let application. With stricter affordability models and higher coverage ratios, knowing how to structure your borrowing is key. Here’s how smart investors are navigating the rules to keep portfolios growing.

From One Property to a Portfolio:
From One Property to a Portfolio:

Scaling from one rental to a thriving portfolio takes more than luck; it’s about strategy, structure, and smart financing. Here’s how successful landlords are building long-term property businesses in 2025 and beyond.

4,3,2,1: The Mortgage & Money Minute

Straightforward insights for property investors, homeowners and business owners - one clear takeaway at a time.

4,3,2,1: The Mortgage & Money Minute
4,3,2,1: Protecting Each Other - Life & Income Cover for Couples
4,3,2,1: Protecting Each Other - Life & Income Cover for Couples

You’ve bought a home together, built a life together, but have you protected it together?
If one of you lost your income or worse, how long could the other keep everything afloat?

4,3,2,1: Getting Bank Statements Mortgage-Ready.
4,3,2,1: Getting Bank Statements Mortgage-Ready.

Your bank statements are more powerful than your payslips.
Before a lender sees your income, they see your habits - and those habits tell a story.
Getting your statements mortgage-ready isn’t about perfection; it’s about presenting financial stability, structure, and sense.

4,3,2,1: Avoiding First-Time Buyer Mistakes
4,3,2,1: Avoiding First-Time Buyer Mistakes

Buying your first home should be exciting - not exhausting.
But the truth is, most delays, rejections, and last-minute panics aren’t caused by bad luck - they’re caused by small mistakes that could’ve been avoided.
Here’s how to get it right the first time around

4,3,2,1: Scaling Your Portfolio Safely
4,3,2,1: Scaling Your Portfolio Safely

Four do’s, three don’ts, two common questions, and one smart action for scaling your buy-to-let portfolio safely with SPV structuring and stress-tested finance.

4,3,2,1: Moving Home with Bad Credit
4,3,2,1: Moving Home with Bad Credit

Bad credit doesn’t have to mean bad news.
Whether it’s an old missed payment, a default, or a blip that’s still haunting your credit file - there are ways to move home and secure a mortgage with confidence.
Here’s how to do it right, without wasted time or false promises.