Yvonne Francis

Registered with Property118.com
Monday 3rd August 2015


Latest Comments

Total Number of Property118 Comments: 114

Yvonne Francis

18:27 PM, 20th August 2018
About 3 months ago

HMO tenant barricaded room and started £80,000 fire

Reply to the comment left by Ian Narbeth at 20/08/2018 - 16:29The trouble is Ian we may be arguing over terms. I cannot help wondering what you think is a flat as opposed to a self contained bedsit? A studio flat perhaps? I was for the purpose of covering as many points as possible in answering Mike considering one room with cooking facilities and very small bathroom facilities as a bedsit.
I did not mean bedsits are 'partly HMO's'. I was refereing to an entire house with mixed accommodation where some parts where shared and some completely self contained.
I would still like to defend the argument that the issue of whether or whether not a unit is self contained is the critical criteria as to whether it is a HMO unless of course it is occupied by three (applies in most area's now) unrelated tenants. Even flats if they have a shared toilet outside their self contained unit can be deemed a HMO.
I do not understand your argument of hallways as all flats have hallways of some description and most flats are not HMO's.... Read More

Yvonne Francis

15:41 PM, 20th August 2018
About 3 months ago

HMO tenant barricaded room and started £80,000 fire

Reply to the comment left by Mike at 20/08/2018 - 11:12
Hi Mike
I don't know much about self contained bedsits or flats but I do know if there are shared facilities it is a HMO. Ian does not say if his property has shared facilities but he does say it is a HMO which as far as I know indicates shared facilities and in my experience it makes a difference to insurance.

The thinking behind all this is in shared HMO tenancies they rent as a group, have access to each other rooms and do not have internal locks and live to a greater or lessor extent as a family so this is considered a lower risk. In bedsits they often do not know each other and have locked rooms even though they share facilities.

In answer to your question I think it is probably not a HMO if the bedsit is completely self contained including cooking and bathroom. A Landlord next to one of my houses have self contained bedsits and some rooms with shared facilities. He described his house as 'partly a HMO'.... Read More

Yvonne Francis

10:51 AM, 20th August 2018
About 3 months ago

HMO tenant barricaded room and started £80,000 fire

I am sorry to hear of your situation Ian. Any Landlords worse nightmare.

Could I clarify the point Tom made and say HMO's are not presumed to be bedsits as they can be shared houses. A shared house will have one lease with all the tenants having a run of the house and bedsits separate leases for each room with access just to their room, although in both cases the facilities and common areas can be shared.

This year, when I was renewing my policy, my insurance company UK Insurance emailed me to ask whether I was bedsits or a shared tenancy as bedsits were considered a higher risk. Luckily in my case I am a shared tenancy.... Read More

Yvonne Francis

18:07 PM, 5th August 2018
About 3 months ago

Shared occupancy test for rent-a-room relief adds unnecessary complexity

The government consulation paper states: The new test will require the taxpayer to be living in the residence and physically present for at least some part of the letting period, for the income to qualify.
In the good old days when your main residence benefited from tax relief on mortgage interest and even now exempt from CGT when you sell I have never known problems proving it as your main residence and hence your home so I can't see any difficulties with proving a shared occupancy.... Read More

Yvonne Francis

11:34 AM, 4th July 2018
About 4 months ago

Downsizing into our Buy to Let?

Reply to the comment left by Adrian Jones at 04/07/2018 - 11:02
If only Adrian, that would be an answer to a lot of my problems. The only way is to die and then you lose all CGT on everything.... Read More