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Cardiff

Additional Licensing – how to sneak it through?

18/04/2014

Whilst I applaud high standards of safety in rented accommodation, there are different ways of achieving this. Some of the conditions under licensing schemes are un-necessarily heavy-handed and open to interpretation, often by over-zealous EHO. These schemes are seen as the answer to rubbish problems, anti-social behaviour and crime, however there is no evidence to… Read more

check out

Refused a copy of check out report!

17/04/2014

Dear Readers I’m a landlord and I’ve had several small issues with with my letting agent who seems to get a little upset when she has to work for her money. The latest being that she refuses to send me a copy of the check out report saying that, because I didn’t pay for it… Read more

MMR and the Property Investor

For those of you who, like me, are involved professionally with mortgages, the spectre of MMR, or Mortgage Market Review as it is more correctly known, is finally about to hit home. For the interest of everyone else who is not professionally involved with mortgages, MMR is the FSA’s (and now the FCA’s) baby, which… Read more

residential mortgage

Why is rental income no good for residential mortgages?

Can one of your many learned members explain to me why rental income can’t be used to get a mortgage on my main residence? Over the past few years I’ve reduced my other business to build up the rental side of things. Hubby is on a reasonable wage for working 3 days a week but… Read more

Will the Mortgage Market Review Be A Money Spinner For Landlords

Will the Mortgage Market Review be a money spinner for Landlords?

16/04/2014

Are the forthcoming Mortgage Market Review (MMR) affordability criteria about to play into the hands of the PRS? Well, yes it will for some of us and no it will not for the majority of us!  I’ve been thinking about this for a while now and some interesting points were made in a recent article… Read more

Tenancy Restrictions Imposed by Mortgagor

Tenancy Restrictions Imposed by Mortgagor

The Coventry Building Society is currently offering an attractively priced BTL mortgage deal (3.55% variable with a £999 arrangement fee) but a condition is that they do not allow the tenants to be friends sharing even if they sign a joint AST.  As a, soon to be, new landlord I don’t want to burden myself… Read more

How to sell your house fast

How to sell your house fast

A straight-talking North East house doctor has compiled her top tips on how to sell or let your property as fast as possible and prove everyone’s home can be a castle. Enterprising Durham-based interior designer Violet Harrison is on a mission to get the housing market moving and has helped thousands of high profile clients… Read more

I want my tenancy to remain periodic but

I want my tenancy to remain periodic but …

I’ve received a letter from my letting agency (not going to name them) saying that the guidelines and regulations have changed regarding my tenancy going to periodic.  I pay monthly so does not seem to make sense to me. Then it goes on to say I might, in the next few months, have to sign… Read more

Inflation

Inflation falls for a record 6 consecutive months!

15/04/2014

Consumer Prices Index (CPI) inflation reduced for a record sixth month to 1.6% for the year to March 2014. That means you now need to spend on average £101.60 to buy the same things 12 months ago. This sounds bad, but it is predicted to be the first time inflation will fall below average wage… Read more

Questions from a property speculator

Questions from a property speculator

I see myself as being more of a property speculator than a property investor or a landlord. I would very much appreciate your views on my considerations and deliberations.  I have seen some very nice leasehold flats which I can buy new build, fully furnished for £183,000 each. This represents quite a significant discount on… Read more

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