Jason English
Jason English
Registered with Property118.com
16th March 2022
Total Posts
0
Total Comments
142
Registered with Property118.com
16th March 2022
Total Posts
0
Total Comments
142
22nd April 2026, 1 week ago
So the Samuels case confirms that PIP can be included in affordability. You also say "Landlords can reject applicants who genuinely cannot afford the rent based on a realistic assessment of their income." Exactly since we’re allowed to judge affordability...
Read More →21st April 2026, 1 week ago
100% agree but unfortunately that's no longer the reality at the ground level, like or not we must include PIP.
Read More →21st April 2026, 1 week ago
The title of this post is about affordability not evictability. I get what you’re saying but PIP can be awarded to anyone. If someone needs PIP to get over the affordability line and you don’t count it you’re basically opening...
Read More →Reply to comment left by Reluctant Landlord at 18/04/2026 - 18:08
Reply to the comment left by Reluctant Landlord at 18/04/2026 - 18:08What is your specific concern about PIP? I understand your logic that PIP shouldn't be used for rent but if PIP is removed that's no different from someone on...
Read More →17th April 2026, 2 weeks ago
I had the same concerns. My personal view is that PIP should not be part of rent however it is allowed as part of income in a mortgage application but more importantly accepted by RGI. I have now switched to...
Read More →7th April 2026, 3 weeks ago
Does it past the sniff test? If it sounds like an AST then its an AST. The law looks at what actually happens on the ground. If the tenants are being treated like tenant then its an AST not matter...
Read More →12th March 2026, 2 months ago
Good to read there is still a human element to HMRC! Well done they could have said “sorry you’ll have to hire an accountant”. Lest there is some good news in the world of tax.
Read More →7th January 2026, 4 months ago
I would try going after the tenant for this cost even if there is 0 chance of recovering the money. CCJ if issued won’t cost much but would stop a nasty tenant renting from the PRS so please help out...
Read More →Reply to comment left by Disgrunteld Landlady at 03/01/2026 - 03:50
Reply to the comment left by Disgrunteld Landlady at 03/01/2026 - 03:50Should have been cleared if renting via an agent then take out their RGI which is most likely Goodloard (They only sell to agents not direct to LL's). If...
Read More →30th December 2025, 4 months ago
You need to take a view from a risk perspective rather than nitty gritty of collection of cash and meeting, pain in the arse etc... The RRA has tipped the risk profile. So simple mitigations for all PRS landlords... 1)...
Read More →23rd December 2025, 4 months ago
Good article here is my approach... >Still won't use an agent as I like self management, and depend more on Openrent than "finders fee" as I want to vet them personally rather than relay on agents judgment. >Securing rent guarantee...
Read More →23rd December 2025, 4 months ago
Had a lady split up from her husband and wanted to pay a whole year upfront from her divorce proceeds so she can concrete on herself and daughter. She also worked full time. I accepted the offer and what role...
Read More →3rd September 2025, 8 months ago
This shows the gap that most people rely on solicitors to fill the void of calculating the correct tax due, when it's not the solicitors job, it a tax advisor. At the highest level of government her head should roll,...
Read More →26th June 2025, 10 months ago
Since your current lease and next lease is/will be outside of the act the tenant has fewer protections you have a stronger hand. If you are happy with the current lease wording/terms that was previously professionally drafted then your suggestion...
Read More →26th June 2025, 10 months ago
I thought there are 3 points which stops this from working. 1) You need to live in the property for at least 6 months before applying for consent to let. 2) It’s only temporary permission i.e. a few years if...
Read More →26th June 2025, 10 months ago
The first thing which you don’t mention is if the lease is inside or outside the LTA1954. I can only assume it’s not as there is no mention of the tenant serving a S26. Either was it’s common practice for...
Read More →26th June 2025, 10 months ago
If you were self managing and they have been good tenants but just “forgot” to clean oven I would let it go however since you are paying for an agent’s services they on the other hand should know better and...
Read More →16th May 2025, 12 months ago
I assume my reform MP will vote against this. Either way it's still happening.
Read More →7th February 2025, 1 year ago
Nice line up and would be interested however isn't it a bit premature? Surly it makes sense to hold this after the final stages and its ready for Royal Assent. There is still time for amendments and no timeline on...
Read More →6th February 2025, 1 year ago
Andrew, One of my BTLs is similar to your example. Here are the high level numbers Value: £130,000 LTV: 75% Rate: 3.05% IO Total buying costs £7,635 Total invested £40,250 Monthly Rent £710 Running costs (mortgage, insurance, service charge) etc...
Read More →Showing 20 of 142 comments