UP Property Group

UP Property Group UP Property Group is a company focussing on Commercial and Residential investments in the UK.

Through our residential business, we provide outstanding rental accommodation to the private and social sector.

Longer payment period of mortgages might be affordable in the short term, however, it might mean even pension can be eat...
25/04/2022

Longer payment period of mortgages might be affordable in the short term, however, it might mean even pension can be eaten up and reach up to retirement age. What would not happen to the standard of living for the retirees?

New data from online mortgage broker Trussle has found that the next generation of homeowners may be paying off their mortgages into retirement. This is due to a combination of the increasing age of first time buyers and buyers seeking longer term mortgages. Data from lenders indicates that the ave

Times are really changing and even the climate. When choosing a location for property, climate intelligence should alway...
22/04/2022

Times are really changing and even the climate. When choosing a location for property, climate intelligence should always be in check.


By Kate Rodger, head of customer success at Cervest Climate risk is accelerating at an alarming rate, with increasingly devastating results for the real estate sector. A recent report from the UN Intergovernmental Panel on Climate Change (IPCC) highlighted how the persistent rise in global temper

We all are aware that house prices have gone up so now we ask "Is this a good time to buy a house?"
19/04/2022

We all are aware that house prices have gone up so now we ask "Is this a good time to buy a house?"



Spring is usually the best time to buy a property. Plus buying a home now you can avoid stamp duty and use the 95% mortgage scheme with only a 5% deposit

This may be a good news to renters who are not able to buy their own due to low incomes. But is the supply enough to acc...
14/04/2022

This may be a good news to renters who are not able to buy their own due to low incomes. But is the supply enough to accommodate the high demand?

Landlords are back in the buy-to-let market, buying more homes than they are selling for the first time since 2016

Wanting to buy a home can be much worrisome than a few years back. With the tightening of budgets due to energy rise, ho...
12/04/2022

Wanting to buy a home can be much worrisome than a few years back. With the tightening of budgets due to energy rise, home mortgages are not being under great scrutiny making sure that homebuyers can afford the rising bank interest.

Brokers warn soaring bills, tax rises and big hike in cost of household basics have forced lenders to recalculate models

While we are squeezing our purses and pockets due to the rising cost of living, the demand on UK property is unlikely to...
07/04/2022

While we are squeezing our purses and pockets due to the rising cost of living, the demand on UK property is unlikely to be affected and the supply and demand imbalance stays firmly unchanged.
Karen Noye, mortgage expert at Quilter, said “There is a chance that house prices plateau rather than drop. Until housing stock is meaningfully replenished by the government and the big housebuilders, house prices will remain high as there is simply still too much demand and too little stock.”

While the state of the UK property market pales in significance to the human tragedy unfolding in Ukraine, experts are already questioning how the shockwaves will hit UK property and energy prices. “We are mindful of the growing risk of an economic impact as a result of the tragic conflict in Ukra...

This may be a good news for first-time property buyers when applying a mortgage as affordability test is now removed. Ho...
05/04/2022

This may be a good news for first-time property buyers when applying a mortgage as affordability test is now removed. However, will there be enough properties for the expected increasing demand? And how will this affect the landlords and the buy to let market?

Landlords are in turmoil after recent recommendations by the Bank of England suggest dropping the affordability test for mortgage lenders. This move could spell the end of the buy to let market as we know it, suggests leading mortgage advisors, Sterling Capital Group Ltd. Historically, borrowers

This is a real challenge in the sector and will have a significant impact on price inflation for building & construction...
29/11/2021

This is a real challenge in the sector and will have a significant impact on price inflation for building & construction industry, additional lending costs for investors and will overall make the property investment sector an environment where a profitable project can quickly turn into a break-even or possibly losing making project. Analyzing deals, will need to be done in a meticulous way, top ensure the risk is managed and costed in – this will of course have an impact on purchase price.

The delivery of new homes is at risk because of supply chain concerns and land supply issues, according to new research released today by global property consultancy Knight Frank. In a survey conducted by Knight Frank of over 50 of England’s leading volume and SME housebuilders, 61 per cent of res...

This is expected as a large proportion of borrowers are not borrowing money responsibly. The average individual has a v...
27/11/2021

This is expected as a large proportion of borrowers are not borrowing money responsibly. The average individual has a very high amount of liabilities and unsecured debt such as new cars, lease cars, expensive mobile phones, computers on monthly plans, credit cards, shopping cards, holidays paid using monthly payment service. When affordability stress tests are taken into consideration, further lending is likely to be highly scrutinized.

A survey of more than 750 mortgage customers in the UK has uncovered the trials and tribulations they have faced when applying for their loans. It found: 32 per cent of mortgage applicants faced at least one rejection from a lender 44 per cent were rejected due to having an irregular income rather t...

I genuinely think this is the next challenge to face the UK. People are living longer, retirement age is later, unlike ...
25/11/2021

I genuinely think this is the next challenge to face the UK. People are living longer, retirement age is later, unlike previously not everyone will be able to pay off their mortgages by the time they retire and ‘affordable’ elderly housing will be in great demand.

The UK population aged 65 years and over is growing faster than other age groups according to the Office for National Statistics who predicts the over 65s will make up 26.2 per cent of the population by 2069. However, a recent article in Property Mark highlighted that the UK lacks suitable housing f...

In a world in which there are fantastic, caring, service orientated and professional landlords… there will always be lan...
23/11/2021

In a world in which there are fantastic, caring, service orientated and professional landlords… there will always be landlords that try to cut corners, make money without providing service and expect to get away with it.

TWO thirds of English councils have prosecuted no landlords for offences related to standards in or the management of private rented housing over the last three years.

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