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What you need to know.


Lloyds Share Chat (LLOY)



Share Price: 58.01Bid: 58.01Ask: 58.07Change: 0.00 (0.00%)No Movement on Lloyds Grp.
Spread: 0.06Spread as %: 0.10%Open: 58.06High: 58.61Low: 57.90Yesterday’s Close: 58.01


Share Discussion for Lloyds


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zoros
Posts: 1,020
Off Topic
Opinion:No Opinion
Price:54.81
BTL
11 Aug '16
No brainer - still the best ever time to BTL. With rental returns between 5 and 10% what better way to BTL by borrowing @ <2%???
Much harder to borrow these days especially interest only but it is dooable.
 
Shergar2
Posts: 214
Off Topic
Opinion:No Opinion
Price:54.80
RE: RE: wenty
11 Aug '16
In my opinion, of course!
Shergar2
Posts: 214
Off Topic
Opinion:No Opinion
Price:54.78
RE: RE: wenty
11 Aug '16
Won't work, married couples are treated as a single entity
Littleaston
Posts: 676
Off Topic
Opinion:No Opinion
Price:54.74
RE: Littleeaston
11 Aug '16
Thanks for your info, my wife has her own income, so is covered for her own allowance.
I
Thales1
Posts: 362
Off Topic
Opinion:No Opinion
Price:55.12
Littleeaston
11 Aug '16
I don't know your circumstances, but I think you mentioned that you own your rentals 100% and your wife doesn't. If you transfer 1% ownership to your wife, then you can split profit 50/50 for tax purposes. So if your wife is not earning over whichever tax threshold you pay, you can adjust this to make best use of both your tax allowances.
M1k3y
Posts: 1,110
Research
Opinion:No Opinion
Price:54.73
AHO
11 Aug '16
No surprises

The Guardian
Lloyds says António Horta-Osório has 'no case to answer'
https://www.theguardian.com/business/2016/aug/10/lloyds-says-antonio-horta-osorio-has-no-case-to-answer
Littleaston
Posts: 676
Off Topic
Opinion:No Opinion
Price:54.73
Re Wenty
11 Aug '16
Thanks Wenty, yes, I only pay cash, no one to answer to, and for what benefits there are for a mortgage, are lost by the fees charged.
I prefer to buy in UK, and locally, at least you are in control, and can be monitored. I tend to buy fairly new properties, so minimum maintenance.

Thanks for the link M1k3y.
WENTY
Posts: 904
Off Topic
Opinion:No Opinion
Price:54.78
RE: RE: wenty
11 Aug '16
LittleA - providing you can buy cash and dont need a BTL mortgage that would work.
I was looking at buying abroad but then the pound got hammered, so knocked that on the head.
If you find an answer let me know!
M1k3y
Posts: 1,110
Research
Opinion:No Opinion
Price:54.70
Littleaston
11 Aug '16
Wenty is correct regarding the transfer of property to your spouse.
This link may help
http://www.knightfrank.co.uk/buy-to-let-stamp-duty-calculator
Littleaston
Posts: 676
Off Topic
Opinion:No Opinion
Price:54.69
RE: RE: wenty
11 Aug '16
Kids, whom are all over 18 is going to be the answer, I reckon.




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