Billy Gunn
Billy Gunn
Registered with Property118.com
17th January 2025
Total Posts
0
Total Comments
66
Registered with Property118.com
17th January 2025
Total Posts
0
Total Comments
66
Reply to comment left by [email protected] at 13/05/2026 - 14:38
Reply to the comment left by Richard Dean at 13/05/2026 - 14:38I've done some research 2028 has been scrapped! Time to open the bottle of Rum! October 1st 2030 is the deadline, £10,000 cap. Any money spent on EPC upgrades...
Read More →Reply to comment left by [email protected] at 13/05/2026 - 10:35
Reply to the comment left by Richard Dean at 13/05/2026 - 10:35Isn't the EPC C requirement deadline 2028, and 2030 is the deadline for any tenancies that started before the 2028 deadline?
Read More →Reply to comment left by Reluctant Landlord at 07/05/2026 - 18:29
Reply to the comment left by Reluctant Landlord at 07/05/2026 - 18:29I'm hoping my current lender Santander (been with same lender since 2007) will allow me to go on a new deal I was fixed rate 4.99% for 2 years...
Read More →Reply to comment left by [email protected] at 07/05/2026 - 13:36
It depends on the fixed term length I read last year that some BTL already pulled there 5 year deals for properties below EPC C when the proposals were all tenancies need to be C by 2028 Also remember it's...
Read More →Reply to comment left by John Roberts at 07/05/2026 - 14:27
Reply to the comment left by Stockport Landlord at 07/05/2026 - 14:27Will BTL mortgage lenders still lend on property below a C if the law stipulates you can only rent out with C or above? If not then it doesn't...
Read More →Reply to comment left by Reluctant Landlord at 06/05/2026 - 18:39
Reply to the comment left by Reluctant Landlord at 06/05/2026 - 18:39The problem of doing nothing is that I don't think a BTL mortgage company will lend on it if below a C My 5 year fixed runs out summer...
Read More →Reply to comment left by Jonathan Clarke at 27/04/2026 - 07:37
Reply to the comment left by Jonathan Clarke at 27/04/2026 - 07:37The 40% tax bracket starts just above 50K per year So an average working income like me plus 1 rental doesn't affect me, especially as items like maintenance, buildings...
Read More →Reply to comment left by [email protected] at 27/04/2026 - 09:31
The 40% income tax threshold is just above £50,000 per year So an average working earner like me plus a single rental and I'm below that And even if above it, you get a 20% tac credit, so to say...
Read More →Reply to comment left by [email protected] at 24/04/2026 - 11:52
Finance costs are not stopped from being offset against rental income, they are just capped at 20% As someone who own just one rental property, I pay 20% tax on my rental income and get a 20% tax credit for...
Read More →25th February 2026, 3 months ago
My long-term tenants of 18 years garden was way way worse than that, no exaggeration As part of renovating the exterior of the house, they also cleared the garden, cost me £2,500 for all the exterior work The council also...
Read More →17th February 2026, 3 months ago
Can any council hire more people to fill in the potholes? It's literally like some roads have been carpet bombed
Read More →Reply to comment left by at 10/02/2026 - 11:30
Reply to the comment left by at 10/02/2026 - 11:30There was no previous age limit It was age limit AND in disrepair, if something was in disrepair but under the age limit then it still passed the DHS. If something...
Read More →3rd February 2026, 3 months ago
As someone who has conducted in the region of 1,000 checkouts of various types of property over the last 17 years, I can conclude that if I rented out the property I live in, there would be damp and mould...
Read More →Reply to comment left by Simon Gear at 30/01/2026 - 20:16
Reply to the comment left by Cider Drinker at 30/01/2026 - 20:16My main concern is if tenants brings something into disrepair that means it fails the DHS I've done work for letting agents for near 20 years, tenants ruin things,...
Read More →Reply to comment left by Simon Gear at 30/01/2026 - 20:16
Reply to the comment left by Cider Drinker at <a href="30/01/2026" rel="ugc">https://www.property118.com/decent-homes-by-2035-there-wont-be-any-small-landlords-left-by-then/#comment-201869">30/01/2026 – 20:16There were no arbitrary age limits. Under the current DHS, something had to be both older than the age limit AND in disrepair. If passed the age...
Read More →30th January 2026, 3 months ago
I believe the age limit will be removed under the new DHS. The new DHS will not be the same as the current DHS that applies to social housing
Read More →22nd January 2026, 4 months ago
So in other words it will never become law as Reform will win the next election and scrap it. Only problem being BTL mortgage lenders won't lend on a D or below on a fixed deal that will go past...
Read More →Reply to comment left by Ryan Stevens at 02/01/2026 - 17:10
Reply to the comment left by Ryan Stevens at 02/01/2026 - 17:10It won't be subject to IHT as the property is only worth currently around 140-150K If I sold it though then I would have to pay some CGT I'm...
Read More →Reply to comment left by Derek STOBBS at 02/01/2026 - 07:05
Unfortunately if I sell up then the money released from the property after CGT wouldn't get anywhere near the returns I am getting now. I only own the one rental property
Read More →Reply to comment left by Derek STOBBS at 31/12/2025 - 17:59
The problem is that if you have a BTL mortgage then they won't lend on a property below C 5 year deals have already been withdrawn for D and below My fixed mortgage rate ends October 2027 and I'm a...
Read More →Showing 20 of 66 comments