Both my self and my girlfriend own a property each, both with mortgage ratios of 90% LTV. We have both lived in our properties for a year and now plan to rent one property and live in the other, whilst saving for another deposit for another house. Ultimately we want to end up in a […]

I have a property that is being managed by an agent. The current tenant has turned out to be a very good one with long term prospects. The problems started with the agents when I received an email asking me if I wanted to renew the tenancy agreement with a 12 month AST. I emailed […]

Can anyone put me straight as to which is most tax efficient. To either sell my SPV or sell its one property? The SPV (Special Purpose Vehicle) Limited company has one freehold property(150K), one bank loan(100K) and one sole directors loan(me with 90K!) for 280k. A) As the property is still owned by the SPV […]

My family have a property in Hackney, which comprises of a commercial property and a flat above which is accessed by a separate entry to the side of the street. I need some serious advise how I can repossess the flat as I have protected tenants who have been living there since 1986! They are […]

I am considering buying a property that has 23 years left on the lease. The capital cost would be recouped in about 3 years from the rent it would achieve. It seems a bit of a no-brainer, but I’m wondering if there are things I’m unaware of in this situation that could come back to […]

I’m in process of buying a first floor, 2-bed flat in an old building above a bank but am just wondering if it is worth having a proper survey done on the property or not? It’s going to cost about £500 for the survey, but surely if there is a problem it will be covered […]

In a nutshell, I left the UK to live overseas a few months back. I have a pot of money I’m living off and then in a couple of years I will sell 1 or 2 of my properties to pay off the others and live off that income (with house prices increasing, I wish […]

Pre-credit crunch, bridging finance was often referred to as lending of last resort. However, this perception has changed dramatically since then and particularly in the last couple of years and is now considered to be part of main stream finance. The causes of the credit crunch have been well documented. One of the major causes […]

Figures from the Bank of England’s latest inflation report shows a benign environment for any pressure on interest rates. Domestic growth has slowed along with wage inflation and price inflation. Global growth has also slowed again in the last few months with the US economy undershooting by some margin at only 0.7% for the last […]

First off hi to everyone on this forum. I have been reading on this forum for a long time but I now have a question. I have a BTL property which has a form B restriction on registered at land registry. What I need to know is will this affect my ability to re – […]

HSBC sold me residential mortgages on several buy to let properties, approximately 10 – 15 years ago. I converted all of them to interest only when I retired a few years ago, as the income is now part of my retirement funding. HSBC is now refusing to renew any of the mortgages, as and when […]

I bought my first house 1 1/2 years ago, at £159k. Unfortunately on new years eve I was made redundant, and there are no jobs available in the local area I have been offered a new job up in Scotland. The property value (Btw, its a help to buy property) has unfortunately decreased to around […]

Rathmell Hall is York’s newest student accommodation development, offering projected net yields of circa 7%. Not only does the development offer its tenants luxury living quarters, but also on-site communal amenities to allow its student residents to get to know each other. These facilities include the likes of a common room, a laundry room and […]

I had a letter recently from my letting agent regarding renewal of my tenancy, and there was a £75 charge for moving to an SPT. As I had done a little research I questioned this fee, and the response I got was that the fee is there as a deterrent which I thought nothing more […]

I Served section 8 to the tenant, but I have signed as the landlord when I am the agent. Will it get struck out on a technicality? I have also refused to give the tenant details of the landlord’s address as he required by writing. Am I wrong in doing so? Ashley

Will the new Stamp Duty regs lead to another series of unforeseen consequences for FTBs? Those parents who have chosen to assist their children into the property market may well have found it necessary to purchase jointly or in common with their kids. When mum & dad choose to move they will presumably find themselves […]

I had various dog walkers / sitters, but they kept on letting me down so I decided to rent out a room to a live in dog sitter and this worked well with a male. The male decided to leave and he gave me his notice and we’ve remained friends. I took in a female […]

Can anyone offer me some advice please ? I have been in private rented accommodation for 14 months, I receive housing benefit to help with part of the rent after I left the family home with my 3 children due to domestic violence. I have a Shorthold Tenancy agreement and for the 14 months I […]

In his seminal preview of the mortgage lending market in 2016, published this week, The new “normal” prospects for 2016, leading economist Rob Thomas addresses the issue of housing affordability. He notes: “Paradoxically, while the media and politicians have focused on the unaffordability of housing as measured by the house price to earnings ratio, the […]

The Ministry of Justice (MoJ) has released its landlord possession statistics for October to December 2015, which reveals total evictions last year reached a record high of 42,728. Whilst overall possession claims fell during the year to 148,043, the number of accelerated possession cases continued their upward trend reaching 37,663 in 2015, up 4.5% on […]

I have always tried to keep my rents low, and like many other full-time ‘professional’ landlords I have the ethos that I don’t increase rents on tenants in situ.  In recent years this has been relatively easy as interest rates have been low (though my HMOs have seen utility bills rise significantly).  Clause 24 has […]