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A Mortgage Prisoner is someone who cannot switch to another product or to a new lender for their residential mortgage, despite being up to date with their payments. They could be stuck with a lender exploiting them with a high interest rate and not allowing them to take up more advantageous rates. This may be due to new affordability rules that have been introduced since the original mortgage was taken out. It could also be because the customer’s circumstances have changed or be

Many of the insurrectionists who marched on the UA Capitol building on Jan 6th and violently forced their way into the building stupidly live-streamed their activities or boasted about them via social media. So far, those self-identifying actions have helped law enforcement authorities identify some individuals charged Law enforcement agencies have appealed for information regarding the violence and have begun rounding up suspects. The U.S. Department of Justice now lists 44 feder

Hi, Having been a landlord for nearly 30 years I have a dilemma in deciding my best exit plan. I have a portfolio of 10 properties (2 houses and 8 flats). They are all interest-only mortgages but on good terms. The portfolio is straightforward enough to run and I self-manage and work hard to have a good relationship with my tenants. So all is calm and working as it should. However, at 54 years of age I need to start to plan my exit plan and how I will convert this portfolio of ten

Hello All, The rented property was originally let around five years ago to a married couple - great tenants and never had any issues with them. During mid-2020, their relationship broke down and the husband left the matrimonial home. Both tenants worked full time and as such, the wife (together with her young children) was happy to continue to rent the property, funding this from her own salary. This was fine by me. I've just heard that the lady in question has died unexpectedl

The NRLA has just sent details out about a new initiative for tenant debt management. Coming into force from May 4 2021, the Debt Respite Scheme (Breathing Space) allows people in England and Wales with unsustainable debts to arrange to enter a ‘breathing space’....

Landlords need to be in no doubt that tenants are being educed by councils, shelter, a wide range of no-win, no-fee ambulance chasers and now tenants unions too. Tenants are not only shown the ‘tricks and hacks’ they can use to stop you being able to gain possession (no matter how much they haven’t paid in rent) but also (because there is money in it for all of these organisations one way or another) how to hit you the landlord with Rent Repayments Orders for a full years’ rent and various other forms of compensation claim....

My tenant complained of mould, but would not let me or my workers into the property. He then said he had decorated (he hadn’t) and no more mention of mould. He was clearly causing this by various things he was doing including a tumble dryer with no outlet and a paraffin heater....

We have rented a property to 2 friends of ours who were in dire straits. They partially renovated a house we own, and moved in before it was finished. There are electrics. Doors and a bannister which needs finishing. They have 3 children but asked to move in early....