The Mortgage Directive, officially known as the ‘Credit Agreements Related to Residential Property Directive’ (CARRP) attempted to create a single regulatory framework which would govern all mortgages within the European Union. The EU lobbied hard for this directive so that EU citizens would understand the regularity regimes when purchasing properties in different member states. However, […]

I have a limited company registered in England. I purchased a buy-to-let flat in England and it is registered in Land Registry in my personal name. It is my intention to renovate the flat and sell it with a tidy profit. The lawyers drew up a Trust Deed at the time of purchase of the […]

Over a year ago, tenant was complaining of leak in bedroom, so had a roofer repair 5 rows of tiles/felt where it could have been. Then about a year ago there was a lot of mould in one of the bedrooms and the bathroom of the let property. I bought the mould cleaner and painted […]

Does anyone know how many units would attract a 106 obligation in Telford, Shropshire? I’m trying to buy a building subject to planning which could be split into 2 or 3 blocks. Would the section 106 still apply if planning was obtained as a whole before purchase? Also do you know if we can get […]

There has been a great deal of commentary in the press the last couple of days raising fears of a housing bubble. Rightmove increased its forecast for the year from 4% to 6% leading to headlines calling for government to do something about concerns of a debt fuelled crisis in the housing market. Yes prices […]

I have heard the words “Fit and Proper” mentioned a lot of late in terms of regulation of landlords and letting agents. It would appear that society would like fit and proper landlords only to rent their properties to fit and proper tenants. * When deciding whether or not a landlord is a fit and […]

So many buy to let borrowers get frustrated because BM Solutions will only allow them to have 3 buy to let mortgages. However, now they have removed their minimum income requirements, this criteria is very easy to overcome for many borrowers. The answer is to own the properties in your individual names. That way a couple […]

I am a brand new investor and first time landlord so please excuse my ignorance but I am learning from your site!! I am about to purchase a student let house in a university city with 3 students already in tenancy until July 2014. The current landlord operates the let with a letting agent who […]

I am going to start letting rooms for which I will be taking a two weeks deposit. Do I have to put the deposit in a deposit scheme? My friend rents rooms and she finds most tenants just pay up to the last week withholding the last two weeks weeks rent to make sure they […]

I have been offered the opportunity to purchase a property currently containing tenants who are looking to stay for another 12 months. I would like to buy the property now and then move into it myself when the tenants leave. My dilemma is do I apply for a BuytoLet mortgage or a Residential mortgage for […]

As the Scottish Government gets set to embark on the regulation of letting agents – regulation which is badly needed in my view – I fear that my worst nightmare may be about to become true. Why? Well, let’s look at what’s happened already with Scottish renting legislation. Landlord Registration has for the most part […]

My local council where I rent out my properties has since April been charging council tax for empty properties as soon as their empty. I have a case where in April [we think] a tenant who was on a periodic TA left. We were not sure that he left and only realised when no rent […]

My housemate and I attend Greenwich University in London. We live in a two bedroom flat in Charlton, SE7. During our winter, Easter & Summer breaks we tend to venture back home for some free food and heating, and thus the flat is left empty for a few weeks at a time. Just before the […]

The Royal Institution of Chartered Surveyors (Rics) want a 5% annual price rise cap for houses that triggers restrictions on mortgage  income multipliers or maximum Loan to Value. Although Rics did say that sellers  under their plans would not face a limit on how much they could sell their homes for. Joshua Miller, senior economist […]

I am 24 years old and have owned my own home for a little over a year now. This house is on a repayment mortgage. I have the opportunity to purchase a second house from my father in law which already has a tenant in. My plan was to borrow approx 30k on my current […]

I urgently need some advise Due to living outside the country I have put all my faith in a letting agent. I rent out a property in the North East which has now been empty for over 12 months. I have contacted the agents to enquire as to why they had failed to find tenants […]

I am a landlord of an old lease from the 1960s for a Victorian detached property in Surrey – My tenant who was long term since the 60s recently died. His daughter who cared for him took on the lease – The problem is for such a little rent – they have not complied with […]

Following on from the discussion entitled “Raising Standards or Raising Funds” it appears that the majority of readers agree that additional and selective licensing and property based accreditation schemes run by local authorities are not necessarily the best route forward. However, there does need to be a simple way of differentiating better quality landlords/properties for […]

The United Nations special investigator on housing Raquel Rolnik has said that the Bedroom Tax could constitute a violation of the human right to adequate housing. Rolnik, a former urban planning minister in Brazil, has has told the government it should abolish the bedroom tax, after investigating how the policy was affecting vulnerable citizens during […]

In about 2 months I have to have a major foot op which will put me out of action for about 2-3 months. I am currently building a small flat above detached garages at my home and I will be offering the flat for free for someone who can help me out with my smallholding […]

Many of you will be aware of a ruling made by the Advertising Standards Authority (ASA) in March this year following a tenant complaint concerning letting fees. This meant that changes had to be made to the way letting agents and private landlords advertise, and as a regulator, the ASA has the power to enforce […]