Guest Columns

Peter & Andrew Spencer

Structuring A Fair Deal – Please Critique


Before I go into the details of the deal I’d like you to critique I think it is only right to introduce myself as I’ve not posted on Property118 before.. My father and I are both full time landlords and avid Property118 readers. We are also clients of the consultancy services provided by Mark Alexander…. Read more

Mark Edwards - Residential Property Landlord and Finance Broker

Local Authority Lets, No need to take a chance!


Letting a property on a 3 of even 5 year contract to the local authority may seem like an attractive idea for some landlords. As well as helping to ease the chronic public sector housing shortage, the landlord benefits from a guaranteed rent paid into their account every month without fail for the period of… Read more

Buy to Let With No Minimum Income - Mark Edwards

Buy to Let With No Minimum Income


“Is it possible to obtain a buy to let mortgage without proving income?”  This is a question I am asked frequently. Well, there are a number of buy to let lenders in the market whose criteria stipulates no minimum income however this is not quite the same as having no income whatsoever.  Applicants in these… Read more

The NISA way to invest into buy to let

The NISA way to invest into buy to let


The 2014 Budget saw a package of measures announced to help savers trying to build a nest egg. One of the most significant changes was the introduction of the new ISA (NISA) which comes into effect on Tuesday 1st July 2014. This will see ISA allowances both increase to £15,000 and become investable in any… Read more

Mark Edwards - Residential Property Landlord and Finance Broker

Buy to let, no minimum income


You may well be forgiven for thinking that the current climate has been quite tough for obtaining finance.  The Financial Conduct Authority’s (FCA) recent implementation of the Mortgage Market Review, which put new restrictions on lending, has now been quickly followed by talk of the Bank of England looking to raise interest rates sooner rather than… Read more

Mark Edwards - Residential Property Landlord and Finance Broker

London Buy to Let still makes sense


One of my clients, Philip an IT consultant, recently completed on a purchase of a three bedroom house in Edmonton North London. It was his first venture into property investment and so I was impressed at how wisely he had bought. Furthermore it’s encouraging to see that it is still possible to acquire property in… Read more

CASE STUDY - First time buyer, First time landlord

CASE STUDY – First time buyer, First time landlord


I thought I would share a short case study of how I helped Max, a first time buyer, first time landlord, to get on the property ladder recently. Max is aged 21, and although he has managed to establish his own hairdressing business it’s still early years with his net profits currently below £15,000 pa. He… Read more

Mark Edwards - Residential Property Landlord and Finance Broker

Introducing Mark Edwards


I first met Mark Edwards back in 2002 when he was a client of my former mortgage brokerage, and also an HMRC Tax Investigator.  I instantly recognised Mark’s ability to comprehend and break down complex problems and to research and present solutions effectively.  These are the hallmarks of a good finance broker. Within a few… Read more

Terminating an assured shorthold tenancy

Terminating an assured shorthold tenancy


If a landlord wants possession of a property held on an assured shorthold tenancy at the end of a fixed term or a periodic tenancy he must serve a valid notice. The tenant must receive it at least 2 months before the expiry of the tenancy (or in accordance with the rent period if longer).  That notice… Read more

Man Hanging on a Scale While Another Man Fills Dish

Extortionate court fee increases will impact landlords


Landlord Action has lambasted Government plans to increase court fees as “extortionate”.  The planned changes will take effect from 22nd April 2014, where fees for possession claims will see one of the largest increases at 60%, and could spark a stampede of possession cases in the next two weeks from landlords trying to beat the… Read more

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