LandlordZONE

06

Feb, 2016

Saturday

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  1. It does seem you have been unfortunate to have so...

    It does seem you have been unfortunate to have so many problems and the Christmas/New year break where getting parts or anyone to do anything is a nightmare.. a couple of weeks before Christmas my...
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    Estate agent practices

    So a friend of the family is selling their house, they used an estate agent, lets call them estate agent A, the house was on the market solely with estate agent A, when the house had sold it showed...
  3. Gordon999, You raise an interesting point, I...

    Gordon999,

    You raise an interesting point, I would ask for £1 a month rent, just to prove without a doubt that it is still a rental property and part of your business, any expenses you incur, even...
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    I would say no 4, just to keep the wife happy......

    I would say no 4, just to keep the wife happy...

    What I do is when im doing a viewing and they have a dog I say that I want to meet the dog(s) in their current home, this gives you a chance to...
  5. When it comes down to BTL dont do this........

    When it comes down to BTL dont do this..... simple as... I mean you can sugar coat it all you want but you know and we all know its a discount for cash because he is not going to declare the income,...
  6. As you are husband and wife you did not need to...

    As you are husband and wife you did not need to do a 95%/5% share in the property, you could have changed the proportion or rent so that 100% went to your wife (There is a form you need to fill out),...
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    Additional 3% stamp duty

    Ok so the girlfriend owns a property in London that she rents out, she also currently owns half a property with her ex, she currently rents a room as obviously doesnt want to live with her ex, she is...
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    Im pretty sure SDLT will be payable on completion...

    Im pretty sure SDLT will be payable on completion not on exchange so unfortunately your rate will be what ever it is on completion. :(
  9. The company only seems to exist to avoid paying...

    The company only seems to exist to avoid paying extra tax as you kinda of elude to anyway.... Im pretty sure this is not HMRC compliant, this does not mean he has not been getting away with it and...
  10. Personally I would go for a tracker, im guessing...

    Personally I would go for a tracker, im guessing you are looking at a fixed with that sort of rate, as long as your LTV is below 75% you should be able to find something around 2.5%, a good mortgage...
  11. They may be trying to work out how long you want...

    They may be trying to work out how long you want to rent it for but most likely they are concerned if your doing it because of financial difficulties....

    I would say "bought another property to...
  12. sat, Mortgage arrangement fee yes im with jp...

    sat,

    Mortgage arrangement fee yes im with jp on when to claim

    Windows - yes

    Heating repairs - questionable, if it was broken before the commencement of any rental buisness then no, you can...
  13. Sorry, you are correct JP, my theory was right...

    Sorry, you are correct JP, my theory was right but the calculations I messed up... 40% of 574.50 is 229.8 not what I had of 190.2

    BigPete, houses may go up, but interest rates will definately go...
  14. Wannadonnadoodah, Interest is a cost...... for...

    Wannadonnadoodah,

    Interest is a cost...... for now, remember this will be a long term investment, from 2017 the interest part will not be fully tax deductible, its sort of complicated but look it...
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    If you use a decent trade paint, keep the left...

    If you use a decent trade paint, keep the left over pot. You can touch up the paintwork, either using one of those foams on the end of a stick for small areas or in your case a small roller. I...
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    I looked at HSBC but you have to have had an...

    I looked at HSBC but you have to have had an account with them for so long and have all your bills paid out and pay going in etc, just couldn't be bothered.

    Try going to a broker, there are a lot...
  17. Probably worth renting at least to begin with...

    Probably worth renting at least to begin with until you get to know the areas of London and decide where you want to actually live.

    As for investing, rents are high in London and so are the rents...
  18. I think they are making a fundamental mistake in...

    I think they are making a fundamental mistake in their calculations, it may only be 1 in 5 landlords but I suspect it will affect more like 80% of the rental market, this is because there are a lot...
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    Why not sell the property and repeat.... If it...

    Why not sell the property and repeat....

    If it were that simple every man and his dog would be doing it..... Don't get me wrong it is possible but you have to pick the right property, Best...
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    Of course had nothing to do with nationality and...

    Of course had nothing to do with nationality and was based purely on my feeling of what could happen when I met them if you want to go down that route.
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    I can see why LL's would favour Polish tenants...

    I can see why LL's would favour Polish tenants over DHS but thats about it, I used to live in an area that was low polish but then turned to a relatively high polish community. The problems I found...
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    John Duff, Agree there would be solicitor fees...

    John Duff,

    Agree there would be solicitor fees however, for example my last mortgage to get a rate of 2.35% I had to pay £1000 fee, just a quick look at ybs (thats where my last residential...
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    What will be interesting is to see what happens...

    What will be interesting is to see what happens to BTL rates, I currently have three mortgages on each of my three rental houses but the house I live in is totally mortgage free. I did it this way...
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    Some good comments thanks... Totally agree...

    Some good comments thanks...

    Totally agree with the pension being a small safety net for my bigger safety net of property, although might have to rethink the whole pension idea if they limit or...
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    It will be a strange scenario, where person A has...

    It will be a strange scenario, where person A has property in a ltd company and can get relief while person B who owns it personally only gets limited relief.

    My story like many is I worked...
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