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Not made aware HMO licence required

Not made aware HMO licence required

17/09/2014

My previous letting agent did not make me aware I needed an HMO licence on a property which they subsequently rented to 3 people.  It has now been picked up by the new agent and I have applied for a HMO. Am I liable to prosecution? Thanks Gary

HMRC can't decide if I should register as a Self Employed landlord!

HMRC can’t decide if I should register as a Self Employed landlord!

I manage the residential letting of 7 properties which I jointly own with my wife and/or brother and/or sister and HMRC can’t decide if I should register as a Self Employed landlord. Currently, I am not registered as Self Employed and normally complete the Property section of my Self Assessment tax return. However, as tax… Read more

Break Clause in Tenancy Agreement

Break Clause in Tenancy Agreement

I use an agent for one of my properties who has now inserted a “break clause” in the standard 12-month AST. The wording is the same for the Landlord as it is for the tenant. This clause appears to me to effectively make it a 6 month AST.  Is this a standard break clause? Do… Read more

Local Residents Discriminating Against Student Development

Local Residents Discriminating Against Student Development

We are a small property development partnership that mainly buy houses, do them up and either sell or rent them out. For our first major development project we recently bought a plot of land near the city centre which is predominately a student area being so close to the university.  We applied for planning application… Read more

Minimising Inheritance Tax Liability

Minimising Inheritance Tax Liability

My wife and I have in addition to our own property three rental properties, owned outright as tenants in common. We wish to minimise our IHT liability for our two children. We have been advised that if we give them half of the properties as tenants in common (i.e. a four way split) and do… Read more

Manchester

New Buy to Let investments in the UK’s no.4 location for yields

Manchester is the number 1 city for house price growth in the UK (Nationwide) with prices growing by 21% in 2013. This is even more than London which grew at 15%. Pre-launch prices for these new Buy to Let opportunities start from £98,285 with a projected market value in excess of £110,000. They come with… Read more

Live Q&A on Renting & Sharing

Live Q&A on Renting & Sharing

16/09/2014

What are today’s landlords and tenants struggling with? We’re running a live Q&A in partnership with Shelter, helping everyone to get answers to their burning questions on renting and sharing. We’ve invited people to send in their questions in advance and the range and depth of what we’re getting in already is quite astonishing. We’ll… Read more

Lips

Our lips are sealed?

After 7 years living abroad we are moving back to the UK in the next couple of months. Before we left in July 2007, in the dim distant days of self certified buy to lets and sub prime lending, we transferred the mortgage on our home from a repayment to a buy to let mortgage…. Read more

BTL Joint Venture Funding For New Purchases Has Arrived

Innovative New BTL Mortgage Product

15/09/2014

85% LTV, low rates and fees AND positive cashflow on new BTL purchases? Yes it’s true, and it’s available NOW! The eagerly awaited collaboration between a market leading BTL mortgage provider and the UK’s only provider of BTL equity finance has now been launched – AT LAST!!! The resultant product allows landlords to purchase properties… Read more

H

How to determine if Purpose Built or Conversion?

I’m trying to purchase a property that is a circa 1910 built share of freehold, 900 year lease, maisonette. The valuer sent by the mortgage company has indicated that it appears as a purpose built but has asked the solicitor to confirm because if not and it’s a conversion then we need to check building… Read more

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