Laura Delow

Registered with Property118.com
Wednesday 16th April 2014


Latest Comments

Total Number of Property118 Comments: 245

Laura Delow

7:55 AM, 16th May 2019
About 6 days ago

Fire Panel - Compatible Smoke Alarms?

To get an opinion you can rely on, if it were me I would look at Safelincs Safety Products as recommended by the UK Fire Service - see link https://www.fireservice.co.uk/safety/smoke-alarms/
Link to Safelincs is https://www.safelincs.co.uk/all-smoke-alarms/?referrer=fireservice
0800 612 6537 Lines open today 8am - 10pm 7 days a week... Read More

Laura Delow

12:00 PM, 7th May 2019
About 2 weeks ago

Landlords victory

Well done Larry. Your tenacity & focus is admirable. More so because you follow through on what you say unlike many who sadly are, in the main, armchair critics. The "good" landlord community needs people like you as nothing is ever achieved without knocking over a few apple carts & by golly, you're beginning to knock over a few. Thank you most sincerely. You have my full support.... Read More

Laura Delow

9:07 AM, 21st April 2019
About a month ago

Applying for LTD Co Specialist BTL products directly?

In bygone years clients might have been able to deal with lenders direct, but these last few years it's not so straight forward as lenders' criteria varies considerably & often the written or spoken word from the pre-sales material/team is not exactly the ways things really are. Criteria also constantly changes thus making it extremely awkward for even the clean straight forward deals to go through either at all or for the amount applied for.
Do not underestimate the value of a good broker. Knowing the minutie of every lenders' criteria is critical (which you say you have), but even if armed with this knowledge you cannot beat the direct relationship brokers have with lenders pre-underwriting teams to discuss the nuances of each case. Having the ability to package each case is also vital (a good broker never lets a case leave their desk until they "know" it will go through"), and lastly the ability / experience / contacts to massage a case through i.e. to speed up matters or challenge underwriters decisions i.e. it is not unknown for underwriters to wrongly interpret e.g. a freelancers contract with even pukka firms like the BBC or a client's Ltd Co accounts.
I know a lot about Will & Conveyancing law but would still rather pay an expert to get it right.
When a property costs so much to buy i.e. lenders arrangement fees, valuations & solicitors fees, stamp duty etc, it is poorly thought through not to spend a few pounds more using a loan/mortgage expert to not only get you the amount of borrowing required, but equally important, get you the best deal out there (some of which clients who go direct cannot access). All of which also gives you the protection of the FCA if ever the advice given proves to be wrong. You don't get that going direct.... Read More

Laura Delow

18:07 PM, 16th April 2019
About a month ago

Tenant Fees Act 2019 – Draconian legislation

Reply to the comment left by Ian Narbeth at 16/04/2019 - 17:57
Thank you Ian. Had it ready in drafts & have now sent it to the Rt Honourable Theresa May, Philip Hammond & Dame Eleanor Laing with the following opening paragraph:-

After 45 years of voting Tory, no more. Our vote will go to one of the emerging smaller parties/independent politicians or at the very least we will for the first time in our voting lives, abstain. Like many other disenfranchised voters we appreciate by default this may allow Labour to become the governing party. A bitter pill to swallow and a high price to pay, but we have to get our message across to you as we can no longer tolerate nor vote for, what we thought for all these years, was the best party to steward our country on behalf of those who always worked hard and saved for the future and never wanted to rely on the state. Your party (no longer "our" party), has become so abhorrently anti the hard working and honest Landlord community, we can no longer support it.... Read More

Laura Delow

17:18 PM, 16th April 2019
About a month ago

Tenant Fees Act 2019 – Draconian legislation

Dear Ian - this is so well written I can only hope you're okay with my sending this to our MP? It is so brilliantly explained that even an idiot can understand the complexities. So beautifully concise. Thank you... Read More