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Readers Questions 's Articles

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About Readers Questions
It's usually far more effective to learn from other people experiences than is it to learn from your own mistakes. "Readers Questions" are some of the best read articles on If you would like to seek the opinions of other landlords and letting agents why not submit a Readers Questions article of your own. We will not reveal your identity if you don't want us to. Any guidance offered by Property118 members is obviously done so in good faith and at no cost. It must not be construed as professional advice, even if the person offering the guidance is professionally qualified. It's good to know that you are not alone though and a bit of guidance can often be useful. No question is a silly question. If a question has been answered before we will let you know and point you to a link. We may ask you to post your question on another thread if it's been well commented on previously by people in similar situations or we may set up a brand new thread and bring it to our readers attention by including a link in our Newsletter. It needn't cost you a penny either :) Please see the form below. If you can't see the form please CLICK HERE


Absent Freeholder and only one other owner is cooperative


Dear Fellow members, I have bought a Victorian conversion with four in the block, the freeholder is absent and I would like to take a buy to let mortgage. Only 1 other flat is owned by a leaseholder who wants to take a mortgage and will cooperate with setting up a management company if we… Read more

Buying land to build residential property

Buying land to build residential property

We are group of 10 friends looking to buy a land around 45k sq. ft. and then build 10 X 3 – bedroom houses with garden. All these 10 houses are for ourselves only so we can stay together and hence we wont be selling any of these.  We are looking for land around London…. Read more

Local Authority Bullying

Local Authority Bullying


I have a property that I was renting out in the North East.The Local Authority then decided they were going to redevelop the area and started buying up properties and boarding them up. They offered me a very low sales value based on market value but as by this time the area looked like ”… Read more

One flat, two AST's = HMO

One flat, two AST’s = HMO?

I have one tenant who has been with me for years and his flat-mates move in and out usually staying for about a year or so, as with most young professionals. Do I really have to put them both on a joint tenancy agreement to avoid this luxury two bedroomed flat becoming a “house in… Read more

Ending Tenancy Agreement early due to problems with property

Ending Tenancy Agreement early due to problems with property

I am currently renting a 2 bed property in Chiswick, West London.  We were forced to move quickly as the other property we were due to move into fell through (owner decided to sell) and I was in hospital at the time with problems during my pregnancy… so had little say in the move. We… Read more

Any lenders for special circumstances

Any lenders for special circumstances?


I live in a rent and maintenance free house as part of my employment package, therefore my salary is reduced to reflect this. I recently sold a property so have approx £100,000 deposit and hope to borrow £250,000 – £300,000 for a buy to let property. Problem is because my salary is just shy of… Read more


Can you take a deposit by installments?

We have a potential new tenant who can’t afford to pay the whole deposit (of £400) and the first month’s rent (of £400) up front. She has asked if she can pay the deposit in installments – £100 per month. If we went down this route, would we protect the deposit at the end of… Read more

LPA receivers causing late payments and ruining my credit

LPA receivers causing late payments and ruining my credit rating


My partner and I had a portfolio of 15 mortgages with Mortgage Express and due to my partner (only) going into an IVA on his personal loans (not the mortgages – these had never been in arrears at all), an LPA receiver was appointed on all of the properties.  There was one line in the… Read more


Freehold value when linked to RPI

I have a small one bed property, which is currently on a 70 year lease and I need to sell quickly. I’m in the process of negotiating a lease extension deal with my Freeholder. The deal as a whole seems quite fair at a premium of £5750 and ground rent set to £200 pa, but… Read more

Using a vehicle as a deposit

Using a vehicle as a ‘deposit’?


I should perhaps start by saying that I operate in one of the poorest areas of the country and what goes on in the middle class rental market of the south of the country cannot be applied to how the market operates where I am.  I am renting to the bottom of the socio-economic scale… Read more

Getting Finance for a Refurb when Non Resident

Getting Finance for a Refurb when Non Resident

I am a UK citizen now based In Singapore looking for help getting finance when I am non-resident in the UK.  I have one BTL property in London and a family home which is let out at the moment (both on mortgages via HSBC). I am looking to step up my investment & involvement levels… Read more

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