LandlordZONE® Topic Experts
Paul Adams and Peter Regan ACII - are both directors of Commercial & Residential Property Insurance Services Limited. Both were employed by Commercial Union (now Norwich Union – Paul from 1955 to 1991 and Peter from 1960 to 1999) before taking early retirement and starting their join venture specialising in property insurance – together they have well over 60 years experience in the insurance business. Both worked on the outside staff for most of their careers dealing directly with the public as well as brokers. Peter is a past president & treasurer of the Bristol Chartered Insurance Institute. C&R - 01275 876714 e-mail: firstname.lastname@example.org
Darren Baird - Darren runs Total Fire Services Ltd established in 2003 providing fire safety consultancy services to an extensive and varied client base. The company has three Directors and employs fire safety consultants to conduct fire risk assessments and associated services, throughout the UK. A Member of the Institute of Fire Safety Managers and The Institute of Fire Engineers, Darren worked for Greater Manchester County Fire and Rescue Service for 16 years, in numerous roles and differing inner city and rural locations. Darren Baird DMS, MIFireE, MIFSM Managing Director - www.totalfireservicesltd.co.uk 01204 844278 Email:
Rebecca Bendle is a business finance specialist posting as “Beccy Bendle” at Worldwide Financial Planning - FT Award winning independent financial advisers based in Cornwall with offices across the UK. Worldwide have won 16 awards from the Financial Times in four years and are highly respected in financial circles as being experts and specialists within their fields. Becky has spent the last 10 years working as a Commercial Finance Specialist. In 2004 she gained her CeMAP 1, 2 and 3 and she is currently studying again for the Commercial Diploma. Becky is on hand to discuss all areas of Business Finance, including Commercial Mortgages, Asset Finance, Invoice Discounting, Bridging Funding and Development Finance. If you have a financial query and wish to speak to Rebecca contact her at Worldwide Financial Planning on 01872 222422 or email email@example.com
Tony Booth - Tony is an experienced property developer, successful landlord and a member of the National Association of Estate Agents. He was co-founder of the North West Landlords’ Association and editor of ‘The LETter’, a magazine for private sector landlords. He has written four property related books, including ‘The Buy To Let Handbook’, and has been a guest on various radio and television programmes. web: www.tonybooth.info
Graham Bowser CFP MSFA - Graham is a pension specialist and a Director of QS Independent Investment & Pension Consultants Limited. With 25 years experience in the pension and investment field, Graham has a particular interest in Self Invested Personal Pensions (SiPPs) and their use in commercial property investments. e-mail: firstname.lastname@example.org web: www.qsindependent.com
Michael Clayton - Housing Benefit & LHA - posting as “Michael Clayton” - Michael is a qualified Housing and Council Tax Benefits practitioner with 18 years experience in the field. He has intimate knowledge of the process from assessing benefit applications, provided customer service, facilitating and delivering training packages. Michael was most recently an Appeals Adjudication Officer and prepared legal submissions to the Tribunals Service. Since February 2008 Michael has operated as Michael Clayton Associates providing a comprehensive advice, consultancy and training service in all matters relating to Housing and Council Tax Benefits. The service is available to local authorities, housing organisations and landlords. Michael can offer particular expertise for landlords having problems with Housing Benefit tenants and payments under the new Local Housing Allowance. Contact Michael Clayton Associates on 01274 629315 or 07786 447858 or email@example.com
Neil Cook - Insurance - posting as “specialist” Neil has worked in the industry for nearly 25 years with expertise in property insurance. For 10 years he has been a BIBA insurance trade association expert sitting on the local committee and handling consumer insurance queries. In business he tries to avoid automation in the quotation process, instead using traditional methods to achieve results where others fail. Importantly, he is a landlord himself. Ember JD insurance brokers use only fully approved UK insurers and the Lloyds market. Ember JD insurance brokers 67 Walton Rd East Moseley Surrey KT8 0DP Tel: 0844 8112627 fax firstname.lastname@example.org
Gareth Davis, Gareth gained a HNC in environmental science in July 2002. He is also an ISRM approved swimming pool consultant. Gareth is an Environmental Consultant responsible for customers in the local areas i.e. Oxfordshire, Buckinghamshire and further a field such as central England and the Midlands (Legionella) General Environmental Services Ltd, 01844 299499 e-mail: email@example.com web: www.ges-limited.co.uk
Paul Farndon B.Sc.(Hons) FNAEA CRLM - Paul has many years experience with rental property, having entered the estate agency profession in 1971. He later took on his own insurance brokerage and estate agency business and qualified as an Independent Financial Adviser (IFA) in 1995. Appointed an NAEA Assistant Business Practices Officer in 2002, Paul holds a BSc (Hons) degree in Business Property Management from Sheffield Hallam University. Paul is now concentrating on delivering tailored training courses to both Residential Letting Agents and Private Landlords, although he still retains a Residential Letting Agency in South Leicestershire. He also works as a trainer for Learn Direct – e-mail: firstname.lastname@example.org
Alex Greenslade and Andy Szebeni posting as andyz1 and answering questions on Leashold Matters They work at Leasehold Solutions, the UK’s largest and longest-established specialists in leasehold enfranchisement. Alex entered the market in 1998 and Leasehold Solutions was established in 2002 and are founder members of the Association of Leasehold Enfranchisement Practitioners. They are regular contributors to specialist and national press as enfranchisement experts and have featured in the Evening Standard, The Times and the Observer. The company helps flat owners to extend the leases of their properties and to get together with their neighbours to buy the freeholds of their buildings. Leasehold Solutions are project managers that bring in specialist solicitors and valuers to “bulk buy” their services and help flat owners to save on professional fees. www.leaseholdsolutions.com email@example.com 0808 1311 109
Paul Gibbs - Paul took a Law degree at The University of the West of England before taking the LPC at the same institution. He then completed his training contract at Jacobs & Reeves, a well established High Street firm in Poole where he was retained as an assistant solicitor upon qualification. Paul deals with most areas of civil litigation, but has a particular interest in Landlord and Tenant matters. Paul advises both landlords and tenants in England and Wales and is happy to be contacted for an informal discussion about a case ahead of formal instructions. Please contact Paul and if he is not the solicitor to assist you he will arrange for your query to be passed to an appropriate colleague. www.jacobsreeves.co.uk
Lee Grandin, Director of Landlord Mortgages - Lee comments regularly in both Regional and National publications such as Mail, Sunday Times, Times, Mail On Sunday, Telegraph, FT. He devotes most of his time to the overall directorship and ‘hob knobbing’ with experienced landlords. “Whilst we have a good brand in our market we do not follow in anyone’s foot steps, we keep our principles and offer bloody good value”. Recently Lee has developed a new arm to his business,LettingAgent.com. Lee comments ‘I managed to buy the domain name LettingAgent.com back in 1999. We have combined our great online presence with offline effective management to give landlords the opportunity to let their properties from as low as 3% of the monthly rent. Visit www.lml.co.uk or www.lettingagent.com
Daniel Harding - Daniel is a systems programmer and client manager and Partner of Legal Helpers Limited, based between Milton Keynes and London. It was during their time studying at Lancaster University that Daniel and Edward Palmer met and developed the vision and structure to form Legalhelpers Limited, combining their legal and web development skills. The merit of their venture was recognised by The Prince’s Trust when they were successful in bidding for a startup business loan and advice from the organisation. The essence of Legalhelpers was to provide members of the public with quality legal documents at extremely competitive prices, by utilising the internet and self-completion technology to its fullest. So keen is the company to keep customers satisfied that it has introduced a 100% satisfaction guarantee. If the client isn’t satisfied with the service they have receive, a full refund will be given. www.legalhelpers.co.uk
Bill Irvine is a landlord who recently retired as Head of Benefits, Revenues, and Advice Services at one of the UK’s largest councils where, amongst other things, he was responsible for £100m in Housing Benefit (LHA) administration. He was the COSLA (Convention of Local Government Authorities) advisor to the Housing Benefit Standing Committee, at Westminster. He has tutored, and spoken at national conferences, for many years, for the CIH (Chartered Institute of Housing) throughout the UK. Earlier in his career he acted as a Welfare Rights Advocate, representing at all levels of Social Security Appeals, including Tribunal of Social Security Commissioner level. Currently, he acts as a Board Member to the Scottish Association of Housing Associations and as an advisor/representative of Housing Associations and Private Landlords in their HB negotiations with councils, and, where necessary, represents landlords in HB disputes to First-tier tribunals and appeals on a point of law to the Upper-tier body. He charges a nominal fee to examine the merit of cases subject to dispute and therafter operates on a ‘No win, No fee’ commission basis. You can view more about Bill on his website www.hbadvice.co.uk
John H Jepps BSc FCA CTA TEP - John trained as an accountant (now FCA) in a top three firm and began to specialise in tax in 1980, passing the institute’s tax examinations (CTA). Later he gained admission to the Society of Trust and Estate Practitioners (TEP). Having worked for a number of the very largest practices as a tax specialist, John is now Senior Tax Partner in John Jepps LLP from within which he provides services to clients of his own together with consultancy services to other professional firms and their clients. He regularly provides tax advice to property related businesses and investment vehicles, high net worth individuals, trading partnerships, trusts, pension schemes, and charities. Presently studying for a law degree John’s main hobbies are skiing and the empirical comparative analysis of brewed and distilled beverages from around the world. e-mail: John@jeppsllp.com or Tel: 0845 2606 829 web: www.jeppsllp.com
Joanne Jones - Joanne was previously employed at HM Revenue & Customs before leaving to go into private practice. She has a wealth of experience in tax and accountancy is currently the Accounts Supervisor for TWD Accountants Ltd which deals with a variety of clients particularly landlords. Since 14/04/2004 Joanne has been working for TWD Accountants providing a comprehensive advice and consultancy in all matters relating to tax and accountancy for landlords. Landlord accounting, online bookkeeping and self-assessment services are available to all landlords no matter how many properties you have. Joanne can offer particular expertise for landlords in the preparation of accounts including rental accounts with knowledge including capital allowances and some personal taxation issues. Contact TWD Accountants on 0800 093 9433 or e-mail firstname.lastname@example.org.
PETER KYTE BSc (Hons) DipTP MRTPI CGeog FRGS - Development Director & Principal Town Planner. Chartered Town Planner & Chartered Geographer. Peter has built up a planning practice (Peter D Kyte Associates) and associated development company (ENABLING PROJECTS) over a nineteen year period, achieving a broad experience in promoting development schemes. His practice undertakes planning feasibilities, submission and negotiation of planning applications and planning appeals including expert witnessing at public inquiries. Peter’s 19 years experience in planning practice is broad and comprehensive. He is focused on applying effective negotiation dynamics and uses methods to communicate schemes positively and assertively. Negotiations are progressed proactively, avoiding the responsive transaction that often occurs. Using well tried and tested negotiation methods he has turned many initially unsuccessful schemes into planning and value successes. For more information on his track record, please look at our web site at TRACK RECORD, PROJECT TYPES and DEVELOPMENT APPRAISAL SERVICES
David Lavelle - Dave entered engineering in 1973 completing an apprenticeship as a multi-skilled engineer. He has numerous City & Guilds and other qualifications in mechanical, electrical and gas maintenance, pipe fabrication, measurement & control, inspection, testing & management of equipment & installations. He is CORGI registered and compliant with 16th Edition wiring regulations. Dave now runs his own company in Scotland inspecting, testing, and servicing gas and electrical installations and appliances. He has also been a landlord for many years. email: email@example.com web: www.1stcall.info
David Lawrenson posts as himself and answers questions on general lettings and HMOs. He’s the author of Successful Property Letting – How to Make Money in Buy to Let, the UK’s top selling property book, and he runs a property consultancy company at www.LettingFocus.com David and LettingFocus provide consulting advice to public and private organisations in a range of sectors, helping them to improve the products and services they sell to landlords and buy to let investors. His clients include banks (buy to let mortgages), local authorities and housing associations (private rented sector access schemes) and corporate and fund investors in the private residential sector (build to let). LettingFocus also provides advice to private landlords and residential property investors.Lawrenson is also well known as an expert property speaker and blogger – his blog is at http://www.LettingFocus.com/blogs/ He contributes regularly to the LandlordZONE Newsletter.
Jeff Lenihan is a business finance specialist at Worldwide Financial Planning - FT Award winning independent financial advisers based in Cornwall with offices across the UK. Worldwide have won 16 awards from the Financial Times in four years and are highly respected in financial circles as being experts and specialists within their fields. Jeff won the FT Commercial Finance Adviser award 2 years in succession. Jeff has spent the last 38 years working in the Finance Industry – the first 30 with Barclays Bank plc. He then helped launch and ran, as a Fund Manager for 3 years, the first Public/Private joint venture Debt Equity house dedicated to Cornish businesses. In 2005 Jeff Joined Worldwide as a business finance specialist. Jeff has an extremely wide knowledge of all aspects of business finance including general business solutions, specialist niche lending products, support for niche industry sectors, grant and soft loan funding and debt/equity solutions. If you have a financial query and wish to speak to Jeff contact him at Worldwide Financial Planning on 01872 222422 or 07899 963707 or email firstname.lastname@example.org
Robert J. Lewis FNAEA – Robert has been involved in property management for over 21 years. He has been a past chairman of the S Wales Branch of the National Association of Estate Agents (NAEA). He is an Assistant Business Practice Officer with the NAEA. He has written articles on the problem subject of HMOs. e-mail:email@example.com web: www.mglewisandson.co.uk You should find his web site on HMOs very useful - www.hmo-support.com
Jane Needham B.Sc (Hons) MRICS – is a Chartered Surveyor with her own practice covering South Yorkshire, North Nottinghamshire and North Derbyshire. She has over 18 years experience of domestic and commercial property, including managing let residential property, residential property inventories, new-build snagging and renovation/refurbishment of residential property. She is accredited as a Domestic Energy Assessor and is currently working towards accreditation for Energy Performance Certificates for non-residential property and new build residential property (to be introduced from April 2008) . She is also an expert on Council Tax and Non-Domestic rating, having worked as a Senior Valuer in the Valuation Office Agency until 2006. Tel: 01302 247294 e-mail: firstname.lastname@example.org web:www.needhamcharteredsurveyor.co.uk
Edward Palmer LL.B (Hons), LL.M (Distinction) Edward is a practising Barrister based in Staffordshire, who was called to the Bar in 2000. In the same year, Edward, along with three colleagues, set up Legalhelpers Limited to offer the provision of many every day legal documents to members of the public through the internet, thereby removing the necessity and costs of seeking assistance from solicitors and other professionals. Legalhelpers now offers two levels of service in relation to documents; Standard and Premium. Separately from Legalhelpers, Edward’s main practice areas are Family and Residential Landlord & Tenant Law. In relation to Landlord & Tenant, Edward acts for both the Landlord/Local Authority and Tenants in all areas, specialising in possession proceedings. He is able to accept work directly from members of the public through Public Access (one of only around a thousand barristers in the country to do so), and can discuss individual cases and problems with landlords. For more information about Edward and Public Access, please visit www.barristerservices.co.uk
JEFFREY SHAW (Conveyancing and long-leasehold matters), posting as “Jeffrey”, is a solicitor specialising in Conveyancing Research. He has over 32 years experience in dealing with most types of conveyancing transactions. In May 2006, he moved from employment with a previous firm and established a new stand-alone firm NETHER EDGE LAW specialising in Conveyancing Research although he also now has an Assistant who handles “standard” transactions (such as sales, purchases, and mortgages). For instance, he regularly deals with less common matters such as adverse possession, assents, blocks of flats and individual flats (not commonhold), boundary disputes (not litigation), deeds of gift, freehold and leasehold reversions (whether portfolios or for individual houses/flats), problems involving HM Land Registry applications and requisitions, producing standard documentation for landlords, reconstruction of lost title deeds, producing Conveyancing Precedents, “tidying-up” untidy or disarrayed sets of title deeds, and voluntary registration of title (portfolios and individual properties) particularly to clarify exactly what is owned or to assist before the owner contemplates sales-off. **His new firm (Nether Edge Law) is at PO Box 3439, Sheffield S11 8NH. His e-mail address email@example.com His telephone line (also fax) is 0114-268 7638 or 0845-108 0109.
JOHN Simpson CeMap - John is the Director of Resident Broker Ltd an independent mortgage brokerage that specialises in buy to let finance. As well as being a qualified mortgage broker he has also been a property investor for 10 years and has built up considerable knowledge in these areas. John regularly speaks at property seminars about the different finance strategies available – and can tailor these depending on the property business strategy of the individual. As well as expert advice Resident Broker has a dedicated back office team to process client applications which means you never have to chase a mortgage broker again we chase you! Contact John on either firstname.lastname@example.org or 0845 345 3599 web: www.residentbroker.com
Steven Palmer B.Sc.(Hons) MRICS MBEng - A Chartered Surveyor and Corporate Building Engineer Steven has over 25 years experience in the construction and property industry. He Chairs the South London Branch of the Royal Institution of Chartered Surveyors and in that capacity organises a Continuing Professional Development (CPD) programme for RICS members. Steven qualified in the Building Surveying Division of the RICS and is currently a member of the Residential, Dispute Resolution, Building Surveying and Construction Faculties. He is a member of the Association of Building Engineers and has an Honours Degree in Building Surveying. A Director of Davisons Palmer Lim, Chartered Surveyors based in South London. Steven provides a wide range of professional services, including expert witness, to Housing Associations, Landlords, Tenants and Homeowners and Commercial clients. e-mail: email@example.com web: www.davisons.biz
Mark Perraton B.Sc.(Hons) - Mark is a Senior Advisor with QS Independent Investment & Pension Consultants Limited and an Independent Financial Adviser (IFA). He holds all three parts of the CII Financial Planning Certificate and also the CII Advanced Qualification in Pensions and Taxation & Trusts. He has had 15 years experience in the industry, 12 of them as an IFA, specializing in pension and investment planning and also mortgage work. He also holds the Chartered Institute of Bankers Certificate in Mortgage Advice and Practice Qualification. e-mail: firstname.lastname@example.org web: www.qsindependent.com
David Reaney, posting as Snorkerz, has been a private residential landlord for 4 years and has studies law with the Open University. A prolific poster on Landlordzone, taking a particular interest in complex residential eviction processes, David also hosts a tenancy advice website for both landlord and tenants athttp://tenancyanswers.ucoz.com. All questions should be posted via the forum, but I can be contacted atDavid_Reaney@llz.snorkerz.com
Steve Sims - is a bestselling author and property writer with a background in tax and accountancy. His projects include writing Understanding and Paying Less Property Tax for the best-selling Dummies series and editing the property advice portal www.property-investment-expert.com. Steve understands the theory and practice of property investment as he is both a tax advisor and manages a property portfolio with his wife Amanda, an accountancy professional, who offers landlord services through the Property Investment Expert web site. Steve can be contacted at: e-mail: email@example.com. Tel: 01766 780165 office hours. Web: www.property-investment-expert.com
Steve Smith – Steve is the Company Director of Ashburnham Insurance Services Limited who are a leading landlord insurance broker. Steve has worked at the company for over 10 years and has spent almost all his time there handling landlord insurance business. As a broker, he deals with both landlords and the insurers themselves and therefore has valuable and impartial experience to offer. Tel: 01702 347400 – Email: firstname.lastname@example.org - Web: www.ashburnham-insurance.co.uk.
Ben Tayo – Having worked in H M Revenue & Customs and private sector for over 28 years, he has considerable experience in personal tax including rental portfolios. Since 02/01/1996 Ben has been working for TWD Accountants providing a comprehensive advice and consultancy in all matters relating to tax and accountancy for landlords. Landlord accounting, online bookkeeping and self-assessment services are available to all landlords no matter how many properties you have. Ben has specific expertise is in personal taxation including rental income, including but not limited to foreign rents, capital gains, share options, residency issues and taxation of investment income. Contact TWD Accountants on 0800 093 9433 or e-mail email@example.com.
Corinne Tuplin runs a specialist Leasehold Consultancy Company called Pro-Leagle - Corinne’s extensive experience includes property management, right to manage, collective enfranchisement, leasehold extension and dispute resolution/arbitration. She has written a book called “Do-it-Yourself Right to Manage” published by Law Pack and regularly gives presentations on leasehold issues in London. Corinne is preparing to expand her business to incorporate commercial leasehold services and lettings. Web: www.proleagle.com Tel: 020 8680 0088 Email: firstname.lastname@example.org