An increasing number of landlords are looking to unique forms of finance to continue investing in the private rental sector. The rise in popularity of less conventional finance options could be in response to the Bank of England’s decision to restrict buy to let lending through tighter borrowing rules and stricter affordability tests. 84% of […]

I’m currently experiencing a situation that is new to me and would appreciate some good advice. My tenants are expecting their first child and have recently lost their jobs. They told me in advance that they wouldn’t be able to pay this month’s rent and have made a claim for housing benefit. While I am […]

Hi guys I’m new here. Last year we purchased a property for £27,000 for cash and renovated it we waited for the 6 months to try to remortgage, the estimated value is around £65,000/£70,000 we had The Mortgage Works out to value it to get a buy to let mortgage on the property, but when […]

Hi Everyone, I’m after some second opinions, 2 years ago I purchased my first Buy to Let property and I’ve just recently bought another, any maintenance or repair issue I’ve had throughout that time I’ve taken care of myself but its starting to get in the way of my work life! A friend of mine […]

Here is an extract from my AST Agreament prepared from the Estate Agency. In the section for the Tenants obligation it’s this clause: “Not to remove any of the Contents from the Property without the express written permission of the Landlord (which will not be unreasonably withheld). To keep the content of the property, including […]

My tenant had a leak in their property which they reported several times to the letting agent I use, using the email address provided on the tenancy agreement as the agreed point of contact. However, the email address was for someone who left the company and the tenant wasn’t informed of this. Consequently there is […]

I have been served with a notice under the Prevention of damage by Pests Act 1949 by the local council requiring me to remove rubbish from the rear yard of a property that is currently occupied by my tenant. My issue is that the Council have served the notice on me and not on the […]

I am currently refurbishing a 2 bed flat to be let. I’ll be planning the kitchen layout soon and I got to wondering about whether it is really worthwhile putting in a cooker hood or not. It seems to be de rigueur, but in this case it is in a listed building and suitable places […]

Are you and your spouse buying a new build with a view to let? The Government has tried its best to put you off doing this personally, but if you fancy a challenge maybe this will be a way to get your own back! Let’s imagine a property being bought for £500,000. I will ignore […]

Would you believe in tax benefits for landlords post Brexit?  On Monday the BBC indicated the Chancellor has threatened EU countries that once we have left their controls we will offer companies a low tax regime to be based in the UK. Could this mean a new beneficial tax changes for landlords? Are we going […]

I own a number of BTL flats. Given the changes to tax relief I am considering putting them in to the name of a limited company. I have been told that changing the title deeds is straightforward, but I would also have to change the mortgage as well on each flat so that the mortgage […]

Hi, I am buying a flat with tenants in situ. I have a few questions for our experienced members : – how do I transfer the tenants deposit ? – how do I transfer the tenancy agreement from the previous landlord to me ? Thanks for helping ! Jean-charles

I’m negotiating the purchase of a leasehold flat, and have found that the lease contains a very onerous Ground Rent clause. The Ground Rent is set as a percentage of the flat’s value, and when it’s next assessed (in 14 years’ time) the Ground Rent could be silly money – easily over £2,000pa. The lease […]

Hello all, do you have any sample wording for fair usage of energy agreement and any suggested clause to put on the contract for each tenants? Thank you Giorgio

I rent out my property through a letting agent and foolishly realised only last week that my Gas Safety Certificate expired in October 2016. I have since addressed with my Letting Agent but understand that as landlord the accountability sits with me. The inspection is being carried out today, but my question is am I […]

As I understand it, rental profits are considered “unearned income” and therefore that money cannot attract tax relief if put into a pension. Most of my properties have an agent who finds tenants, collects rent and carries out inventories etc but, as everyone on here will realise, there is much else to be done in […]

My wife and I jointly own one buy to let property that is mortgaged. We have had the property for 6 years. With the new tax changes coming in it is highly likely that my earning wills be pushed in to the higher tax bracket because of or buy to let investment within the next […]

I have a property in Brighton which has been let to three people. A HMO license was granted last year valid until November 2017. Now the council have issued an enforcement notice that I should cease using the property as HMO as I require planing. If we submit a planning application they have said that […]

I was ‘threatened’ some time ago with my HMO tenants being liable for council tax – or rather their rooms are – this has now come to pass and I’ve been sent council tax demands in my name for all rooms. I’ve been back to the department and they will now issue them in my […]

I am after some advice please. I am a relatively new landlord who owns 3 properties in a partnership with a business colleague of mine. We are trying to run a professional service and look after our tenants as long term we hope they will look after us. One of our tenants is DSS and […]

Oh how I’m kicking myself !! A massive well done to Mark and the team for the victory. I only realised this whilst trying to find a solution to my problem. The reason I’m kicking myself ? ……In 2011 I remortgaged with West Brom AWAY from my original fixed deal, which upon ending, would have […]