My son has only £25000 to invest in property which means looking in the North East where good returns can be made if the rent is paid! ​To be safe we think we have to rent to a Housing Association and I’m wondering if landlord readers have done this successfully. I’ve rung a few Housing […]

My wife and I have just had a letter from Mortgage Express to say that our 11 Buy to Let loans are being transferred this month to Rosinca Mortgages a trading name of Topaz Finance ltd. Our loans are on the beloved tracker rate. The letter states that the existing terms and conditions will not […]

I served a section 22 request on a freeholder by which they are required to provide their invoice and other evidence for last year service charge calculation for free within a month. However. instead of sending me all their invoices etc they offered their office visit (saying will provide all I need for inspection) or […]

I actually spend my time refurbishing property and reselling it. I have zero experience in the rental market and no knowledge on how to be a landlord. The property I’m about to buy is comprised of three flats, one has a tenant and I am told is on a fixed contract until next February. This […]

Early in 2016 I obtained probate for a deceased relatives property and sold it at auction, but have just received two council tax bills for it. On checking the Land Registry entry I see that my deceased relative is still shown as the owner! I know that the buyer failed to complete on the due […]

The Monetary Policy Committee (MPC) voted unanimously to keep the Bank of England Base Rate at its current level of 0.5%. However, the sting in the tail is that excess demand is predicted to exacerbate the ongoing cost push inflation levels of 3%. To bring inflation back down to 2% in the medium term, 2-3 […]

I would be grateful for assistance with my 12 bed property. It is a in Birmingham and really in need of a Housing Association to come on board with me and help utilise as housing. I have no idea where to start and wondered if anyone had any experience of working with Housing Associations on […]

When I bought my flat in an apartment block I applied for consent to rent it out. For a fee of £200 the freeholder granted that consent. However 3 years later the freeholder’s agent now tells me that this consent has to be renewed (and paid for) annually. In my lease agreement there is no […]

My wife and I recently paid a £5k reservation fee to an Estate Agent, in order to reserve a property with development potential that we liked the look of. When we tried to arrange a viewing they didn’t turn up, and subsequently all of our emails and calls were unanswered. The most recent was a […]

On 18th January we hosted a webinar on an introduction to High Court enforcement, we had over 127 people attend. We’ve compiled the Q&A from those who attended. If a defendant has moved after judgment, do we have to notify courts officially first? No notification to the Court is required, however, if you do find […]

Monday this week we had a tenant abscond owing rent. Much more than the deposit. (yes, they past references etc.) The (now) ex-tenant point blank refused to give forwarding details. As is their right. It turns out the move was very local. There was no stalking, no hanging around street corners dressed as a detective […]

My daughter is about to exchange on the purchase of a new flat within a converted house. The ground rent is £300 per annum increasing every 10 years by the prevailing inflation rate at the time. I am aware of the scandal surrounding leases with ground rents doubling every 10 years as high lighted by […]

Intermediary Mortgage Lenders Association (IMLA) figures show that Buy to Let investment has fallen by 80% since the 2015 Summer Budget Section 24 mortgage interest relief restrictions were announced. IMLA figures indicate net investment in new properties by Buy to Let landlords fell from £25 billion in 2015 to only £5 billion last year. IMLA are […]

I have two buy two lets on my sole name, 1x HMO and 1x single let. With the new tax changes to the property market I am looking add my wife’s name on to both properties to joint tenants to benefit from her tax allowance. I am 40% tax payer and she has no income […]

I need some advice from experienced investors please. I live in Oxford and am looking to buy my first Buy to Let property. I have a deposit of £120k and the normal 3 bed properties in Oxford are priced at around £380k to £425k. My mortgage advisor has advised that from financial point of view […]

Ombudsman Services (OS) has today announced that it will withdraw from complaints handling in the property sector as it launches a major dialogue with consumers to help tackle an ‘imbalance in power’ in the housing sector. The not-for-profit organisation, which is the largest multi-sector Ombudsman in the UK, will work with charities, consumer groups, property […]

Dear Ms Beddoes The Economist’s recent article below has just been brought to my attention.  It is a mixture of misinformation, government propaganda, hyperbole and irrelevance. Struggles of the landed gentry Britain’s buy-to-let boom is coming to an end New regulations and a cooler market are causing landlords to sell up My comments on excepts […]

I think it is highly likely my tenants are breaking the terms of the tenancy agreement I am looking for the best way to prove they are smoking cigarettes or weed in the house. I can smell it, but I doubt that is proof enough. What do you think I should do to get irrefutable […]

I’d like to hear about other landlords experience of remortgaging BTL Properties with the new portfolio landlord regulations bought in in September. How much longer does it take to process? Some lenders appear to be asking for more evidence than others. For some, it appears to be just a property schedule, others want more complex […]

We have just remortgaged on a rental property and our lender requires a condition inserting into the AST which is now on a statutory rolling tenancy. The condition would allow them to collect the rent directly from our tenants in the event that we defaulted on the mortgage payments. Has anyone had experience of this. […]

Dear Ms Beddoes. I am writing with regard to the following article: Struggles of the landed gentry Britain’s buy-to-let boom is coming to an end New regulations and a cooler market are causing landlords to sell up Unfortunately, this is a very ill-informed article. As an academic portfolio landlord (one who runs a property business […]