Wayne Hoban, Author at Property118

Wayne Hoban

If NI is attached to rental income, would that not classify it as 'earned income' which would then make S24 irrelevant? This could be a blessing in disguise!

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Reply to the comment left by Billy Gunn at 21/08/2025 - 22:28That's been a HMO since 2004! Just not mandatory licencable

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Doesn't this happen every October? August and September see the start of most Student tenancies, an annual event of a disproportionately high number of HMOs starting which are let on a whole house basis rather than an individual room basis....

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Build 10,000 homes over the next decade, so 1,000 a year, to house the 170,000 families in London. At least he has long term ambitions!!!

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I'm sure Goodlord could crunch the figures a little better to explain this. As it occurs every September to October, there must be some logical reason for this decrease. I mean, could it be hundreds of thousands of uni students...

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If you replace main residence with main residence (ie sell your current home when buying a new home) then the additional 3% does not come in to play. If you wish to retain the current home and buy a new...

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Those poll results are quite scary reading. Labour have a significant lead and I would be extremely concerned if Corbyn et al make it in to power. Not that the Tories are doing a much better job at the moment,...

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Initiative Q

2nd November 2018, 7 years ago

There are some spare invites on here if anyone needs them. https://initiativeq.com/invite/HLUAv3X2Q

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New Landlord Association seeking pledges

28th September 2018, 8 years ago

This seems a superb way to reduce my income to help mitigate S24. Count me in.

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Kent Landlord – Hero or Villain

25th July 2018, 8 years ago

If this is all about safety of tenants and ensuring that they have a minimum standard of living, why is it not also covering social landlords and HA? Is the government/councils deciding that their tenants do not need his level...

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Shared ownership 25% and no heating

14th May 2018, 8 years ago

From my understanding of shared ownership, the maintenance and upkeep of the property would fall to you.

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Hi Simon, I am not a qualified accountant, but, from experience, I have had this happen on student lets. My Ltd Co accountant pro rata'd the rent as if it was received on a monthly basis (as the AST stated)...

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Did the Guardian, that well known landlord centric paper, split out Local Authority, Housing Association and PRS for it's figures? Or just dump all the problems as being the fault of the private landlords?!

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If this is run in the spirit of its intended use, I am quite for this to come in, as it will massively improve the PRS and remove the rogue landlords that sully the rest of our good names. Would...

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In advance dividends for mortgage?

11th July 2017, 9 years ago

Have you looked at the lenders that will take salary and net profit for the affordability assessment, rather than salary and drawn dividend? Probably worth speaking to a good mortgage broker.

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That fund will be cheaper than the £1M that Peterborough council spent at Holiday Inn accommodating homeless families in the first 6 months of this financial year¡

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Reply to the comment left by "Raj Kirpalani" at "11/08/2016 - 15:10": Not in the slightest Raj. My student lets are tenant find and rent collect, but I am local to the properties. If a letting agent withheld upfront rent...

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I have this on a regular basis with my student lets. When I let to overseas students, they pay the 12 months rent upfront as they can not be referenced or guarantored. The letting agent then pays the whole amount...

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Reply to the comment left by "Adrian Bond" at "02/04/2016 - 08:59": Hi Adrian, Thanks for the post. Your situation appears identical to mine. As you are a Ltd Company, could I ask which lender you are using? Kent, Fleet,...

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Reply to the comment left by "Harry Chunk" at "28/03/2016 - 11:43": Hi Harry, Neither of the properties have been student lets for over 20 years. Spoke to a solicitor about indemnity, but it would appear that I am unable...

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Showing 20 of 22 comments

Wayne Hoban

Wayne Hoban


Registered with Property118.com

25th March 2016

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