LandlordZONE

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Jul, 2014

Tuesday

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    What type of HMO are you thinking of? If it is...

    What type of HMO are you thinking of?

    If it is a non-licensable HMO let on a single contract to four or fewer tenants, loads of mainstream BTL lenders will lend.

    If it requires a licence,...
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    You're being unfair to the OP. Although it...

    You're being unfair to the OP. Although it would've been fairly easy to have found the information you provide online and on this forum (and reading between the lines of the OP's post, he probably...
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    Agreed if students are changing course (I was the...

    Agreed if students are changing course (I was the victim of this myself at one point), but in the OP's case they are simply undergrads going from second to third year -- so they should still have...
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    True, although the OP's post makes it sound like...

    True, although the OP's post makes it sound like a new boiler was the only way to ensure consistently working hot water (assuming that having a plumber on permanent standby wasn't a feasible option).
  5. Thank you for the further thoughts on this to...

    Thank you for the further thoughts on this to both Gordon999 and jpkeates; both very helpful.

    It sounds like to an extent these issues are a matter of taste, dependent on how close to the wind you...
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    I use ordinary mattresses but put a mattress...

    I use ordinary mattresses but put a mattress cover on top -- works for me.
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    Poll: I very much doubt that the sort of landlord who...

    I very much doubt that the sort of landlord who assiduously checks and posts on LandlordZone would be the sort of landlord who doesn't declare their tax....
  8. King_Maker -- thank you for your reply. I feel...

    King_Maker -- thank you for your reply. I feel comfortable deducting that additional service charge amount from 2013/14.

    Does anyone have any thoughts on any of the other questions? I really would...
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    If you want to get on the right side of the law,...

    If you want to get on the right side of the law, you'll need to disclose this to HMRC. Be warned that there may be some penalty to pay, but it might be less than you think....

    You may wish to see...
  10. I've just come up with another knotty question to...

    I've just come up with another knotty question to add to the above:


    2012/13 Service Charge Adjustment: I have recently received a service charge statement for one of the flats stating that the...
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    If you are not currently registered for a...

    If you are not currently registered for a self-assessment tax return, you'll need to register if your rental profit is more than £2500 in a year. You can do that on the HMRC website. It's very easy....
  12. some knotty "is it tax deductible?" questions

    I've been doing my 2013/14 tax return and I've come across the following issues on which I'd be hugely grateful for some advice:


    Travel expenses to purchase property: I have made several train...
  13. You'd easily let it to a top quality professional...

    You'd easily let it to a top quality professional tenant in either location (to be honest that would go for any decent studio anywhere in zone 1). Main risks are (i) the rental yield will be...
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    Can you name one? (I'm not sniping at you, just...

    Can you name one? (I'm not sniping at you, just genuinely curious). The legitimate reasons why other businesses sometimes prefer cash are, to my understanding, to avoid (i) the bank charges and (ii)...
  15. Actually, I realise that the £22.20 charge for...

    Actually, I realise that the £22.20 charge for the insured scheme is a one-off charge (not annual), so whatever the answer there will in fact be no need for me to re-pay this. The rest of the...
  16. DPS insured scheme -- silly question re ending a tenancy

    Hello all

    I have a fixed term tenancy ending on 23 June, and I have served a s.21 notice in the hope that the tenants will leave on that date. The deposit is protected with DPS insured scheme, and...
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    Standing order is best (superior to a manual bank...

    Standing order is best (superior to a manual bank transfer) as it shows up in my bank account first thing in the morning so I'm not left wondering all day whether or not they're actually going to...
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    Although it sounds absolutely correct that a 3%...

    Although it sounds absolutely correct that a 3% BoE base rate would lead to BTL SVRs in the region of 7%, am I not correct in thinking that new deals and re-mortgages would probably be around the 5%...
  19. I think these two posts sum up the situation...

    I think these two posts sum up the situation perfectly. No landlord half a brain would want to evict a good tenant just because the tenant makes sensible requests for repairs, and where there are...
  20. Just thought I’d update you as I’ve had a bit of...

    Just thought I’d update you as I’ve had a bit of good news.

    I put in an appeal regarding this via the lender, explaining at length why I thought the valuation was too low. I’ve just heard back,...
  21. That is an interesting view, and I can see how...

    That is an interesting view, and I can see how avoiding deposits is easier given the admin of registering them (especially if they need to be transferred to a new name every now and then). Aside from...
  22. londiner, I appreciate that I myself probably...

    londiner,

    I appreciate that I myself probably come across as neurotic about legal niceties given my starting of this thread, but notwithstanding that could I ask what makes you so concerned that...
  23. Another thought -- the deposit is protected with...

    Another thought -- the deposit is protected with the DPS insured scheme, with all four tenants named (the "lead tenant" is one of the remaining tenants however). Presumably I will need to ask DPS to...
  24. Lawcruncher -- thank you very much for such a...

    Lawcruncher -- thank you very much for such a detailed and helpful response. I am glad that it appears that everyone is agreed that the law will take a common sense approach on this issue.
  25. Thank you for your thoughts here. My...

    Thank you for your thoughts here.

    My understanding is that it is recommended that an assignment should be executed as a deed, however, and as part of the execution formalities for a deed a witness...
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