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


Joint Ownership – Advantages and Disadvantages


I haven’t posted before although I have been reading for some time and discovered all sorts of very useful stuff – great site! My wife and I intend to invest in a BTL property shortly but are unsure of whether to put it in joint names. As my wife is a non-taxpayer we have always… Read more

Should I review my landlord

Should I review my landlord, or will they withhold rent deposit?


I’m a tenant, student in Newcastle. I’m due to move out of my property in a few months and I’ve been recommended by my student union to review my landlord. In general, he was okay, although he took ages to replace a fridge and our house was constantly cold. I’d be honest, so I’m not… Read more


Should I help a friend with BTL mortgage?

My very close friend has asked if they could put me down on their BTL mortgage application for better interest rates apparently. I have no financial interest in the project at all and won’t be contributing anything towards the deposit. It’s literally just my name on the mortgage. I have no doubt about my friend’s… Read more


Charging Admin Fees Post Tenancy

I have a question about making signed AST’s available after end of tenancy and the tenant has vacated the property. I’ve had a tenant come back to me nearly a year after leaving the property and demand a copy of the AST she signed. 1. Do I have to hunt this out and give her… Read more


Can I request advance rental payments from parents acting as Guarantor?


I have 2 HMOs that I rent out to ‘professional Tenants’ I took one tenant who is on a very low income but had her rent paid 5 months in advance by her parents who have moved overseas. Her fixed term ends in June and I have requested on-going 2 months rent in advance since… Read more


Tenants notice to quit by text

I am being messed about by a young HB tenant. I said never again to young HB tenants, but this time her mum lives on the same road and was happy to be a guarantor, so i accepted her. After one year she has missed 6 weeks rent due to a HB issue when she… Read more

unfair fee

Unfair fees for Deed of covenant after 18years of renting my flat

I have been renting my flat for 18years without any need for a deed of covenant. I with other owners have a share of the Freehold of the building. All of a sudden company directors(owners who have put themselves forward as directors) are asking for a £150.00 +VAT for deed of covenant for each new… Read more


Mortgage Express sells a part of its portfolio to Rose Mortgages


I received a letter from Mortgage express today explaining that they are selling part of their portfolio to Rose Mortgages ltd. and that the ‘day to day’ admin of the mortgage will be managed by Pepper UK LTD, trading as Engage credit. It also says that if I have other mortgages with them (I have… Read more

Adding value by changing layout of the flat

Adding value by changing layout of the flat

I would appreciate advice from someone who follows the strategy of adding value to flats by changing the layout in order to create more rooms.  I have recently purchased a big one bed flat in a block of flats with the intention to create second bedroom. It is my home, not an investment project. The… Read more

Intelligent Finance changes terms on Mortgage Contract

Intelligent Finance changes terms on Mortgage Contract

I have a residential offset mortgage with Intelligent Finance (IF).  I took this specific mortgage out as it had specific features that appealed. The offset worked from money held within your bank accounts Throughout the term of the mortgage you could apply to draw down on the equity built up (subject to some affordability rules)… Read more

Keys not handed over on completion

Keys not handed over on completion

We received a bundle of keys from Estate Agency after completion. None of the keys were identified by labels. We expected to receive a key for freehold flat and three keys for the leasehold garages which form flying freehold, clearly identified.  We arranged to meet garage leaseholders to introduce ourselves and also inspect the garages…. Read more

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