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Old 18-09-2015, 23:11   #18
Kursk
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Location: Island of Strangers
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Re: Financial watchdog tells the elderly to downsize to tackle housing shortage

Quote:
Originally Posted by Ramrod View Post
A first time buyer can always get one over on a buy to let buyer because the btl buyer has to make a profit on the property and the margins are already fairly slim. A btl buyer is looking to get a property under value whereas a 'normal' buyer can bid a smidge more and secure the property from under the btl's nose.
Hmm, not so sure about that. A lot of btl's are cash purchasers who are putting their money into property because interest rates on savings are dire and have been dire for 6+ years. The profit made only has to cover maintenance and provide a yield that beats the best available investment rate, both of which are easily achievable.

Property is an illiquid asset but it suits those with 'money to spare' as there is no urgency for immediate access. Sellers like cash buyers for obvious reasons and buyers like having a tangible asset when QE otherwise diminishes their pot.
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