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Is the procession of buy to let run again, and if so do you jump on? Many will be surprised to hear the health industry buy-to-let described as anything but sickly. After all, it is industry that sank Bradford & Bingley and thousands of owners of "MOM and pop" nursing losses and adapted flats of unsaleables.

But for investors who kept their portfolios, the image looks far that it has been for some time, even if the responsibility for budget Office predicts that property values will be worth almost 3pc less at the end of April 2012.

Owners are the main beneficiaries of the current mortgage market stagnant since those who can not buy a House need to live somewhere.

Figures from the Royal Institution of Chartered Surveyors this week showed that demand for rented goods increases at its fastest rate since the fourth quarter of 2008. a third several members of the institution reported an increase in demand as a waterfall with also planned to collect rents.

Rightmove research has shown that return on investment for buy to let homes is now more that 6pc, while the amount of available rental fell to 23pc since last year, meaning rents are likely to rise further. Meanwhile, LSL, real estate, rental, expert says that owners returns health 4 5pc and for those students rent rate might be much higher - Knight Frank said they receive feedback in addition to 13pc estate agents.

"The magnet increasing rents and more marketable vendors should attract more buy to let owners that the return on investment grows potential yields of rental beyond 6pc," said Rightmove Director Shipside Miles. "However, inflows remain limited to those investors owners who have high levels of access to liquidity."

With Mr.'s comments carefully make the core of the issue. The main obstacle to the entry of many potential homeowners is a growing requirement for large deposits and difficulty in finding a mortgage that does not watering eye costs and require that the rent, the owner gets every month is much higher than the mortgage payment.

"There are a lot of good news here on rents and yields, but it is still fairly delicate obtain finance," said while Melanie mortgage broker Private Finance. She cited the example of the platform, which is part of the cooperative bank switched its rules to stop the so-called "accidental owners' a residential mortgage switched to alternative buy-to-let.

Rival Lloyds Banking Group, which comprises Halifax and Birmingham Midshires has recently strengthened its criteria so that owners can have more than three properties worth $ 2 million from ￡ in total. However, the Council of mortgage lenders still an increase in the number of mortgages 15pc buy to let between September 2009 and September 2010 for some new investors find financial reports.

This article shows that there is mortgage much less, available for investors to buy table to leave that to the height of the boom of the. In July 2007, there are 4,500 buy-to-let transactions, but potential owners can now choose just 291 products. With the discount rate, the average interest rate buy-to-let lending fell, but only in the 6 67pc 09pc 5 and numbers of these loans are provided with huge costs on top.

This is not a problem for many existing owners, including trafficking often returned to a rate Libor or rate after a specified period. "They have little incentive to come off the coast of these transactions", Julianne pointed out.

The new owners, the image is less pink. David Black analysts calculated Defaqto royalty average for a buy to let for ￡ 150,000 mortgage was almost ￡ 3,000 on a mortgage loan at interest rate of 5mC. Most of these mortgages will require a deposit of 30pc.

"As for mortgage loans, residential market it a substantial premium in mortgage loan-to-value payable interest rates high, but the fees payable are significantly higher, said Mr. Black." Most of these mortgages invoice not a flat fee, but expressed as a percentage of the borrowed amount.

Julianne said new borrowers with a 75pc, ready-to-value could get a fixed rate of 5 79pc with a 3 fresh mortgage works (manufacturer), the arm 5pc five years to buy leaving to Nationwide. If you're after a period of two years, deal and have a repository of 25pc, you can obtain a hotfix for 3 99pc manufacturer, with a similar tax. Lenders may also require a guarantee of minimum income and evidence the rent will be at least 125pc mortgage interest.

If you buy to let, do your homework. Andrew McQueen, head of mortgage loans Nationwide, said that many people had their fingers burnt in the boom through the realization not that they would have to declare their properties to buy to let tax forms, as well as additional fees.

"I always say to people,"is a company"," said. "Need an additional 15pc your time and you must be willing to put in the effort. If I had a chunk of money to invest and the time, I would say buy to let? Yes, I probably would. ?

He said that one of the most important considerations is to buy the right property in the first place. Nationwide, for example, are ready to purchase-to-let adapted apartments, since these objects were the most affected properties by the crash of the values. He suggests buying houses close to hospitals, universities or other sites with a large number of tenants. "If you hire students plan to renovate approximately all three years," he said.

David Newnes, LSL real estate services, has accepted. He suggested purchase terraced houses rather than apartments and choosing the area carefully.

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