Neil Patterson
Housing Bubble fears – genuine or an overreaction?
Author: Neil Patterson
17th September 2013, 13 years ago | 22
Aldermore offer Buy to Let for customers with light adverse credit
Author: Neil Patterson
21st August 2013, 13 years ago | 0
Buy to Let mortgage products and criteria – market update
Author: Neil Patterson
20th August 2013, 13 years ago | 0
Our own Buy to Let Mortgage sourcing system and calculator
Author: Neil Patterson
19th August 2013, 13 years ago | 0
Precise Mortgages launch Bridge to Let product
Author: Neil Patterson
17th June 2013, 13 years ago | 0
property118
Leeds Building Society BuytoLet rates cut by up to 0.7%
Author: Neil Patterson
31st May 2013, 13 years ago | 2
Interest only or Repayment BuytoLet mortgages
Author: Neil Patterson
24th May 2013, 13 years ago | 20
Bank of England report good news for a change
Author: Neil Patterson
22nd May 2013, 13 years ago | 0
property118
Funding for Lending scheme changes allow BuytoLet investment
Author: Neil Patterson
29th April 2013, 13 years ago | 3
Holiday Lets purchased using commercial finance on the increase
Author: Neil Patterson
26th April 2013, 13 years ago | 1
Awaiting FSA second response to Bank of Ireland differential increase
Author: Neil Patterson
30th March 2013, 13 years ago | 9
Switch to a BuytoLet mortgage within six months of purchase
Author: Neil Patterson
26th March 2013, 13 years ago | 2
The 2013 Budget and how it affects Landlords and property Investors
Author: Neil Patterson
21st March 2013, 13 years ago | 0
BuytoLet Lender BM Solutions allows Student and Benefits tenants
Author: Neil Patterson
21st March 2013, 13 years ago | 5
Lending Criteria to Consider when Purchasing a Buy to Let Flat
Author: Neil Patterson
11th March 2013, 13 years ago | 2
property118
Development Finance Terms and Criteria update
Author: Neil Patterson
28th February 2013, 13 years ago | 0
Neil Patterson
Registered with Property118.com
7th February 2011
Total Posts
286
Total Comments
3,457
Bio
Property118 Ltd MD
7th July 2026, 6 days ago
Insulate everything. No hang on it's too hot. But wait we will fine you for using Aircon! Clown!
Read More →25th June 2026, 3 weeks ago
Hi Paul, I agree and hence re-editing recently :)
Read More →2nd June 2026, 1 month ago
For Question 4.2, "The tenancy started on...", landlords would normally enter the date the tenancy originally began, assuming the same tenants have remained in occupation throughout. A replacement tenancy agreement does not usually create a completely new tenancy history for...
Read More →27th April 2026, 3 months ago
Hi Steve, We believe it is Large print, easy read and braille versions.
Read More →9th April 2026, 3 months ago
Hi Phoebe, Many conversions used private inspectors like: NHBC LABC Warranty Premier Guarantee Even if you only had a warranty, they may hold: Final certificates Structural sign-off Inspection reports Indemnity insurance from your solicitor may be an option but might...
Read More →Reply to comment left by Jan Hall at 23/01/2026 - 09:54
Reply to the comment left by Jan Hall at 23/01/2026 - 09:54“You can’t give yourself a lease because you’re the freeholder” .A freeholder can and routinely does grant leases to themselves. It happens every day in: Share-of-freehold blocks Estate restructures...
Read More →23rd January 2026, 6 months ago
It is best to sell the freehold via a company owned by the flat owners, with proper leases. That’s the mortgageable, lender-friendly, solicitor-proof route. Two flats sharing a freehold without structure creates real risks: No legal mechanism to force cooperation...
Read More →22nd January 2026, 6 months ago
The deposit scheme’s decision only determines how the deposit is allocated, not the tenant’s total liability. The scheme is not a court and its decision does not prevent you pursuing the balance separately. You can claim: Professional cleaning (if property...
Read More →21st January 2026, 6 months ago
Hi Rita, This is the Renter's Main Residence and not yours. Therefore, they are tenant,s not Lodgers. You will need an AST, which I am assuming you have not? You will find it hard to evict them, even before the...
Read More →Reply to comment left by Neville Petit at 15/12/2025 - 20:03
Reply to the comment left by No pain no gain at 15/12/2025 - 20:03Dear Member, Thank you for your support. I can see you submitted your enquiry on Saturday morning. I am sure one of the team at Landlord Sales...
Read More →11th December 2025, 7 months ago
Deposit was taken before April 2007 (when schemes started). However, the Housing Act 2004 rules were changed in 2012 (Localism Act) so that: Any tenancy deposit still being held on or after 6 April 2012 had to be protected, even...
Read More →11th December 2025, 7 months ago
For context, the maximum court-imposed fine for speeding in a 30 mph zone is capped at £1,000, even in extreme cases where a driver is recorded at more than 100 mph. Magistrates can add a driving ban and other penalties,...
Read More →Reply to comment left by Dylan Morris at 08/12/2025 - 11:19
Reply to the comment left by Dylan Morris at 08/12/2025 - 11:19Correct, it should have said proposed rules and now changed, thank you :)
Read More →21st November 2025, 8 months ago
Unfortunately, I am sure the agents will cite GDPR for being unable to confirm.
Read More →20th November 2025, 8 months ago
Government response below A Ministry of Housing, Communities and Local Government spokesperson told Property118: “The Renters’ Rights Act will allow a court to award possession if the landlord has stored a tenancy deposit in a government-approved scheme (and complied with...
Read More →31st October 2025, 9 months ago
Under the Leasehold Reform Act 1967, a long leaseholder of a house has a statutory right to enfranchise (i.e., buy the freehold) if certain criteria are met — which you clearly do. The premium payable is governed by statutory formulae...
Read More →Reply to comment left by Martin Stevens at 30/10/2025 - 16:10
Oh and EPC E !!!
Read More →30th October 2025, 9 months ago
Should be a £40,000 fine for Rachel Reeves. No hiding behind the agent for this one!
Read More →23rd September 2025, 10 months ago
Mike was the best of us. Rest in Peace my Friend
Read More →11th September 2025, 10 months ago
This is an 8 year old article and correct at the time of press. Please feel free to update any changes in the comments section.
Read More →Showing 20 of 3,457 comments