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It's usually far more effective to learn from other people experiences than is it to learn from your own mistakes. "Readers Questions" are some of the best read articles on Property118.com. If you would like to seek the opinions of other landlords and letting agents why not submit a Readers Questions article of your own. We will not reveal your identity if you don't want us to. Any guidance offered by Property118 members is obviously done so in good faith and at no cost. It must not be construed as professional advice, even if the person offering the guidance is professionally qualified. It's good to know that you are not alone though and a bit of guidance can often be useful. No question is a silly question. If a question has been answered before we will let you know and point you to a link. We may ask you to post your question on another thread if it's been well commented on previously by people in similar situations or we may set up a brand new thread and bring it to our readers attention by including a link in our Newsletter. It needn't cost you a penny either :) Please see the form below. If you can't see the form please CLICK HERE


President Trump and the regulatory burden!

President Trump and the regulatory burden!

24/01/2017

Irrespective of opinions and views, Trump has promised to slash and bin regulations. Ronald Reagan once said that the words all business owners dreaded were ” I am from the Government and I am here to help”. Moving back across the water to the UK, we are drowning in regulations, and no where is the… Read more

Am I self employed?

Am I self employed?

Am I classed as self employed if I am a property landlord? Many thanks Caroline

Can I rely on what HMRC says about Sharia mortgages in an online webchat?

Can I rely on what HMRC says about Sharia mortgages in an online webchat?

In short, I’ve just used the HMRC web chat to ask whether the rent element of a Sharia mortgage would be treated the same as interest from Apr 2017 or as a fully allowable cost. Their eventual response was: “Based upon current guidance rents (if sub-letting) continue to be wholly allowable in the same way… Read more

Fence dispute with Housing Association?

Fence dispute with Housing Association?

23/01/2017

The fence between my property and the neighbours blew down near the start of last year. The fence is believed to be a shared fence as the property deeds do not show a “T” on either side of the boundary and no evidence to dispute this has been found. The neighbouring property is owned by… Read more

Our RTM company has a Non paying leaseholder

Our RTM company has a Non paying leaseholder

We have a small block of 5 flats, landlord and previous management company did nothing to maintain it, so we have formed a RTM company to manage it ourselves. One of the flat owners claims the landlord and previous management company owe her compensation for various things that were wrong in her apartment from purchase… Read more

How far back can I use a capital loss?

How far back can I use a capital loss?

Does anyone know how far back I can use a capital gains loss? I made a massive loss in 2011 and never thought to use it, so I am looking if it can be used now? I carried out a google search and it said 4 years, but does anyone know for sure if this… Read more

BTL remortgage me out and my wife in?

BTL remortgage me out and my wife in?

I wonder if you can advise or offer some thoughts please on this. My wife and I jointly own a flat which is rented out and the lender is Mortgage Express. The value is £650k. Mortgage outstanding £220k. Rent is around £2.5k p/m.My credit is very bad – with adverse on other properties I own… Read more

Changing a studio into a one bed apartment – Do you need planning?

Changing a studio into a one bed apartment – Do you need planning?

Hi, I am looking at buying a studio apartment with the view to changing it to a one bed apartment by moving the kitchen into the lounge area and changing the kitchen to the bedroom. Trying to get a copy of the lease to see what it says re structural changes. I have found out… Read more

Permitted development subdividing 1 flat into 2?

Permitted development subdividing 1 flat into 2?

19/01/2017

I have a 3 bed flat and would like to convert it into 2 x 1bed flats. It is above an A1 and an A2 premises. I have been told that as no external changes are being made that it comes under permitted development, but can’t find any literature to back that up. Can anyone… Read more

How do I deal with benefit cap on single parent with 4 kids?

How do I deal with benefit cap on single parent with 4 kids?

Could any one out there tell me how they have got round the benefit cap? I have a single parent who’s got 4 kids and her benefit cap has taken the rent down to £29 a week it used to be £120. I know she can apply for discretionary housing payment, but is there anything… Read more

Buying the Freehold Title of a Leasehold house?

Buying the Freehold Title of a Leasehold house?

I have some questions regarding purchasing the freehold title of a long leasehold house. I have issued the initial notice & have arranged valuations etc , so I am ok on that side of things, but I have a few questions anyway. If anyone can help I would be grateful. The house is situated on… Read more

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